What Is Simplified Issue Life Insurance?
A few quick questions — often full coverage from day one.
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Quick Answer
Simplified issue life insurance approves applicants based on a short set of health questions asked over the phone — no medical exam, no blood work, and no lab visit required.
This ties directly into guaranteed issue life insurance, which we cover in detail separately.
Simplified issue sits between fully underwritten life insurance and guaranteed issue coverage. Because the insurer asks a handful of health questions (such as whether you’ve been diagnosed with certain serious conditions in the past few years), approved applicants often qualify for lower premiums and full coverage from day one, without the graded death benefit period common on guaranteed issue plans.
If a health question disqualifies you from one carrier’s simplified issue plan, that doesn’t mean you’re out of options — a licensed agent can compare simplified issue policies from multiple carriers, or fall back to a guaranteed issue plan, so you still walk away with coverage.
Ready to see your real options? Call (877) 486-3215 now to speak with a licensed agent and get a free, no-obligation final expense insurance quote.
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