Simplified Issue Life Insurance Overview

Simplified issue life insurance is designed for people who want coverage without scheduling a medical exam. Instead of lab work and a doctor visit, you answer a series of health questions on the application. The insurer uses your answers to decide whether to approve your policy and at what rate class.

How simplified issue differs from guaranteed issue

Guaranteed issue policies accept applicants regardless of health, usually with no health questions at all. Simplified issue policies still ask about your medical history, but the process is faster and less invasive than a fully underwritten policy with an exam.

Because the insurer knows more about your health with simplified issue, premiums are often lower than guaranteed issue for the same benefit amount.

Is simplified issue right for you?

Simplified issue can be a good fit if you are in reasonably good health, want coverage quickly, and prefer to skip the medical exam. A licensed agent can walk you through available options in your state and help you understand any waiting periods or graded benefit terms that may apply.