Simplified Issue Life Insurance
Get the best rates without a medical exam. Answer just a few health questions and get approved in 24-48 hours with full coverage starting day one.
Why Choose Simplified Issue?
What is Simplified Issue Life Insurance?
The perfect middle ground between traditional life insurance and guaranteed issue coverage
Simplified issue life insurance is a type of whole life insurance policy that eliminates the need for medical exams while still offering competitive rates. Instead of undergoing blood tests, urine samples, or doctor visits, you simply answer a brief health questionnaire - typically 5-15 questions about your medical history.
This streamlined approach makes it ideal for people in moderate health who want affordable coverage without the hassle and time commitment of traditional underwriting. You get the best of both worlds: no medical exam like guaranteed issue, but with lower premiums and higher coverage amounts.
Who Should Consider Simplified Issue?
Simplified issue is perfect if you're in relatively good health (no recent major illnesses), want affordable premiums, need coverage quickly, and prefer to avoid medical exams. If you can answer basic health questions favorably, you'll likely save 20-40% compared to guaranteed issue policies.
Health Questions Typically Asked
Simplified issue applications ask about recent serious health conditions. Here's what to expect.
Recent Medical History
- Have you been hospitalized in the past 2 years?
- Are you currently receiving treatment for any serious illness?
- Have you been diagnosed with cancer in the past 5 years?
- Do you have any terminal illness diagnosis?
Heart & Circulatory
- Have you had a heart attack or stroke in the past 2 years?
- Do you have congestive heart failure?
- Have you had heart surgery recently?
Other Health Conditions
- Do you have kidney disease requiring dialysis?
- Have you been diagnosed with Alzheimer's or dementia?
- Do you use oxygen therapy?
- Do you have any liver disease or cirrhosis?
Lifestyle Questions
- Do you currently use tobacco products?
- What is your current height and weight? (BMI check)
- Are you able to perform daily activities independently?
Note: Specific questions vary by insurance carrier. Most focus on conditions within the past 2-5 years. If you answer "yes" to any questions, you may still qualify but should also consider guaranteed issue options.
Simplified Issue vs Guaranteed Issue
See why simplified issue offers better value if you qualify
Lower Premiums
Pay significantly less than guaranteed issue policies while still avoiding medical exams.
No Waiting Period
Full death benefit coverage starts from day one, unlike guaranteed issue which has a 2-3 year waiting period.
Fast Approval
Get approved in 24-48 hours with instant decisions available in many cases.
Higher Coverage Amounts
Qualify for up to $50,000 in coverage compared to $25,000 maximum with guaranteed issue.
No Medical Exam
Just like guaranteed issue, no blood tests, urine samples, or doctor visits required.
Better Value
Get more coverage for less money if you can answer a few basic health questions favorably.
| Feature | Simplified Issue | Guaranteed Issue |
|---|---|---|
| Medical Exam Required | No | No |
| Health Questions | 5-15 questions | None |
| Waiting Period | None - Full coverage day 1 | 2-3 years for natural death |
| Monthly Premium (age 65) | $45-$70 | $80-$120 |
| Maximum Coverage | Up to $50,000 | Up to $25,000 |
| Approval Time | 24-48 hours | Instant |
| Acceptance Rate | Good health required | 100% guaranteed |
| Best For | Moderate to good health | Any health condition |
Save 20-40% on Premiums
If you can answer the health questions favorably, simplified issue typically costs 20-40% less than guaranteed issue while providing immediate full coverage instead of a 2-3 year waiting period.
Coverage Amounts & Pricing
Choose the coverage amount that fits your needs and budget
How Simplified Issue Works
Get covered in four simple steps
Quick Application
Complete a short application online or by phone - takes just 5-10 minutes
Answer Health Questions
Answer 5-15 simple health questions about recent medical history
Instant Decision
Get approved in minutes or within 24-48 hours - no medical exam needed
Coverage Starts
Full death benefit coverage begins immediately upon approval
Frequently Asked Questions
Get answers to common questions about simplified issue life insurance
- What is simplified issue life insurance?
Simplified issue life insurance is a type of whole life insurance that requires no medical exam - just answers to a few health questions. It offers lower premiums than guaranteed issue policies while providing immediate full coverage. It's designed for people in moderate health who want affordable coverage without the hassle of medical exams, blood tests, or doctor visits.
- What health questions are asked for simplified issue?
Simplified issue applications typically ask 5-15 health questions covering recent hospitalizations, heart conditions, cancer diagnosis, stroke, kidney disease, Alzheimer's, oxygen use, and other serious conditions. They also ask about tobacco use and may inquire about height/weight. The questions focus on serious conditions within the past 2-5 years. If you can answer these questions favorably, you'll likely qualify for better rates than guaranteed issue.
- What if I don't qualify for simplified issue?
If your health conditions prevent you from qualifying for simplified issue, you can apply for guaranteed issue life insurance instead. Guaranteed issue has no health questions and cannot deny you regardless of your medical history. While premiums are higher and there's a 2-3 year waiting period, it ensures you can get coverage no matter what. Our agents will help you find the right option based on your specific health situation.
- How fast is simplified issue approval?
Most simplified issue applications are approved within 24-48 hours. Many carriers offer instant decisions where you can get approved during your phone call or online application. Since there's no medical exam to schedule or wait for results, the process is much faster than traditional life insurance. Once approved, coverage typically begins immediately or within a few days.
- Is simplified issue better than guaranteed issue?
Simplified issue is better if you qualify because you get lower premiums (20-40% less), no waiting period for full coverage, higher maximum coverage amounts (up to $50,000 vs $25,000), and faster approval. However, guaranteed issue is better if you have serious health conditions because it has no health questions and 100% acceptance guarantee. The best choice depends on your health - if you can answer basic health questions favorably, simplified issue offers much better value.
Related Coverage Options
Explore other insurance options that may fit your needs
Final Expense Insurance
Affordable coverage for funeral costs, medical bills, and other end-of-life expenses.
Burial Insurance
Coverage specifically designed for funeral and burial costs.
Guaranteed Issue
No health questions. 100% acceptance regardless of medical history.
Senior Life Insurance
Life insurance options specifically designed for ages 50-85.
Ready to Get the Best Rates Without a Medical Exam?
Get your free quote in minutes. See if you qualify for simplified issue coverage and start saving 20-40% compared to guaranteed issue.