What Is Hybrid Term Life Insurance? 
Hybrid Term life insurance is Term Life insurance has a second type of insurance combined with it . E.g. . A Hybrid Term Life policy might be a blend of traditional Term insurance combined with Accidental Death or long term care benefits . Fidelity Life offers a Hybrid Term Life insurance policy that allows you to get nearly instant Life coverage combined with Accidental Death coverage . Then after you take an exam , the policy becomes 100 % traditional Life coverage . Hybrid life insurance can be a good way to get two types of coverage in one policy at a lower price than if both were purchased separately . Or as in the case of Fidelity Hybrid Term insurance , it can be a way to get quick coverage at a reasonable price , and be able to take your time in changing it over to a pure Term Life policy . 