Christian Fidelity Life Insurance Company

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Final expense insurance can see your loved ones through some of the most difficult moments of life, helping them to pay for a funeral and other end-of-life expenses.

This type of life insurance is designed to provide you with peace of mind knowing your family won’t have to worry about the cost of your funeral, no matter what.

Christian Fidelity Life Insurance specializes in final expense policies, but is it the best company for the critical task of protecting your loved ones?

To help you answer that question, we’ve compiled an assessment of Christian Fidelity’s history, financial strength, and final expense policies.

Quick Links

  1. History
  2. Ratings
  3. Products
  4. Sample Rates
  5. Company Summary

Our Christian Fidelity Life Insurance Company Review

Christian Fidelity Life Insurance Company logoChristian Fidelity Life Insurance Company is an insurance provider with products oriented towards seniors.

The company is best known for its full, level death benefits and life insurance policies.

Currently, their slogan is the “right policy for your customer for the right price.”

Christian Fidelity Life Insurance opened for business in 1935.

The Texas-based organization was previously known as American Hospital & Life Insurance Company.

During its formative years, Christian Fidelity Life added several small companies to its fold, including the acquisition of Western United Life, Greater Life Insurance, and Reinsured Appalachian National Life.

The most significant event in the life of Christian Fidelity came on October 30, 2000, when it was acquired by Oxford Life Insurance Company.

To this day, Christian Fidelity is an Oxford Life subsidiary.

The company underwrites insurance policies related to accident, health, and life insurance.

More than 30,000 people hold policies with Christian Fidelity across the United States, which isn’t a large amount compared to some of the industries top carriers.

Financial Strength and Ratings

In 2016, Christian Fidelity had $63.9 million in total assets, though that figure dipped in each of the subsequent two years.

Currently, Christian Fidelity boasts more than $58 million in total assets.

Fortunately for policyholders, total liabilities have decreased during the same period.

The liabilities in 2016 stood at $35.9 million, falling significantly to $30.9 million by 2018.

The company’s asset-to-liability ratio currently stands at a healthy 1.88.

Since Oxford Life Insurance is the holding corporation, it’s the company to which the credit rating agencies give financial strength scores.

A.M. Best gave Oxford Life an “A-” for financial strength. Part of the stable outlook can be attributed to Oxford Life’s consistent growth since its inception.

The company increased its assets and liabilities by 13 and 14%, respectively, from 2017 to 2018.

The latest figures indicate their total asset holdings at an impressive $2.2 billion.

The Better Business Bureau (BBB) does not have a current rating or accreditation for Christian Fidelity Life, though Oxford Life holds an “A-“ rating.

Christian Fidelity does not have credit rating scores from other powerhouse agencies, including Standard & Poor’s, Moody’s, and Fitch.


Christian Fidelity and Oxford Life offer a number of final expense policies and annuities.

We’ll take a look at each of these policies below.

Final Expense Life Insurance

Christian Fidelity created Assurance as a way to provide full and immediate protection to grieving families.

The policy provides coverage from $5,000 to $30,000 to help policyholders’ loved ones to pay for funeral expenses and other associated costs.

Applicants must be between the ages of 50 and 85 to qualify for coverage.

Assurance One, Oxford’s single-premium final expense life insurance product, is available through their website.

The policy is for people aged 55 to 80 and coverage ranges from $5,000 to $30,000.

It also comes with many of the same benefits as Assurance, such as no medical exams and immediate approval decisions.

Payments can go to an individual beneficiary or as a joint payout, depending on your preferences.

There are also optional accelerated benefits, including terminal illness, nursing home care, and chronic illness riders.

Single-Premium Life Insurance

Prosperity Select is also available to users via the Oxford Life Insurance website.

Prosperity Select serves as an enhanced version of Assurance and Assurance One with coverage from $30,000 to $500,000.

The premium is paid in a single lump-sum when the policy is enacted, meaning there are no further payments required to keep the policy active.

Prosperity Select’s death benefits do not expire. You will be covered under the policy for the remainder of your life.

The coverage will never decrease, and Christian Fidelity will never cancel the policy.

When the policyholder passes away, the death benefit goes directly to the beneficiaries in the form of tax-free federal income.

If there is an urgent situation and you need an immediate cash injection, Prosperity Select has you covered.

The policy’s liquidity feature gives you access to a portion of the benefit. Depending on when you make the withdrawal, the money may be subject to a penalty fee.

The plan comes with a return of premium rider as well as accelerated benefits.

People eligible for these benefits include the chronically ill, terminally ill, and nursing home patients.

Prosperity Select also comes with InstaWrite, which provides immediate feedback on approval.


Christian Fidelity Life policyholders can also sign up for annuities through Oxford Life.

These policies provide a fixed sum of money each year to a policyholder for the remainder of his or her life.

Currently, Oxford Life has four options:

  • Royal Select: This option provides an immediate 8% boost on your first deposit. The income account then accumulates interest at a rate of 6.75% for the life of the plan.
  • Silver Select: This product is similar but offers a fast 4% value growth, which balances higher caps and adds a substantial bonus.
  • Select Series: Option three is a fixed annuity for three, five, seven, and ten years. The plan comes with a 6.75% accumulation rate, as well as a 10% free withdrawal feature during the first year.
  • Multi-Select: The last option allows policyholders to lock in an interest rate for a specific period, granting them peace of mind for their financial future leading into retirement.

Medicare Supplements

People who shop with Christian Fidelity can also get Medicare supplements through Oxford Life.

The program covers gaps in healthcare so you don’t have to pay out-of-pocket for certain medical expenses.

Appropriately, it is also known as Medigap.

Medicare supplement insurance covers expenses like Part A deductibles and copays, nursing home and extended hospital stays, speech and physical therapy, emergency care abroad, and outpatient services and supplies.


Christian Fidelity is one of several companies specializing in final expense policies.

To guarantee you’re getting the best coverage for the lowest cost, you should compare Christian Fidelity to other top providers in the industry.

As you consider all of your options, you may want to factor in the following alternatives to Christian Fidelity:

  • Transamerica: Transamerica is a top-tier final expense provider, offering some of the best policies on the market. There’s no waiting period, you get to lock in competitive premiums, and you’ll have multiple payment options.
  • Gerber: While it may be better known for its children’s insurance, Gerber is also a highly esteemed final expense provider offering impressive rates on no exam policies up to $25,000.
  • Mutual of Omaha: Mutual of Omaha takes the cake for final expense insurance, with comparable rates, a speedy underwriting process, competitive prices, and flexible policy options.


There are some benefits to purchasing life insurance from Christian Fidelity.

Here are some of the highlights:

  • Financial strength: Christian Fidelity is a subsidiary of a financially healthy company. Oxford Life has demonstrated an ability to grow continuously in terms of assets and income, even though it is relatively young by industry standards.
  • Instant decision: One of the policy perks for Christian Fidelity is InstaWrite. Instead of a medical exam, you can fill out a quick medical questionnaire, which streamlines the underwriting process.
  • Guarantee: After your initial payment, the costs of Assurance will remain constant, and Christian Fidelity will never cancel your policy.
  • Laser focus: Policyholders gain access to a robust range of products tailored to their needs. The senior-oriented approach gives customers different options when it comes to sourcing insurance, Medigap, and annuities.


Like any life insurance provider, there are some disadvantages to choosing Christian Fidelity.

Keep the following in mind as you consider the company:

  • Availability: The products listed above are only available in 26 states. Policyholders may also incur additional restrictions depending on their location.
  • Limited lineup: Christian Fidelity only offers products for a senior demographic. For instance, there are no term life insurance products to provide people with extensive coverage for a select period of time.

Final Thoughts

Christian Fidelity is a trustworthy life insurance provider.

With an impressive track record and the support of its highly rated parent company Oxford Life, you’re in good hands with Christian Fidelity.

While Christian Fidelity won’t meet the needs of young insurance shoppers or individuals looking to shield their families with expansive coverage, it excels at its goal of providing senior insurance solutions.

Whether you’re looking for a product offered by Christian Fidelity or find yourself in need of a term or universal policy, take the time to inform yourself of all your options.

A few minutes getting quotes could reveal the perfect policy at the price you need.

Christian Fidelity Life Insurance Company

(888) 863-6674
2721 N. Central Ave.
Phoenix, AZ 850040

Company Name (and subsidiaries)

  • Oxford Life Family of Companies (parent)


Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.