What is a Simplified Issue Policy?

“Simplified issue” means you answer a few questions about your medical history for the life insurance application, rather than undergoing a medical exam.

“Guaranteed issue” means you don’t have to answer any medical questions or go through a medical exam. You qualify for coverage, regardless of your health.

Simplified issue and guaranteed issue life insurance make applying quick and easy. In most cases you can get approval quickly – you’ll know exactly how much coverage you have, the terms of the policy you have applied for and exactly what it will cost. Often policies that require full medical exams come back at a much higher required monthly premium that what was applied for, frustrating applicants and slowing down the coverage process.

Our team only works with Simplified Issue products. Request a quote to see what you can qualify for today.