While it traditionally took up to eight weeks to complete the application process and have coverage take effect, you don't have to wait to protect your family anymore. Online buying and new underwriting methods are making it faster and simpler to get covered. With many of Fidelity Life's plans, you can get coverage the same day you apply. If you buy life insurance online with Fidelity Life, your policy is effective as soon as you complete the online application and pay - and the process only takes about 10 minutes. You can also buy life insurance by phone, with coverage starting immediately in many cases. One note: With some policies, you may have partial coverage for an initial period of time, with full coverage kicking in later. Check with one of our agents about the specifics for your policy.