What is
Simplified & Guaranteed Issue
Simplified issue life insurance is designed for individuals with health conditions who need coverage without the delays or hurdles of a full medical exam.
No blood tests. No physicals. Just a short set of health questions.
This type of insurance is ideal for those who may not qualify easily under traditional underwriting due to conditions such as:
High blood pressure or cholesterol
Type 1 or Type 2 diabetes
Depression, anxiety, or other mental health conditions
History of cancer (in remission)
Stroke or heart disease
Asthma or COPD
Obesity or past bariatric surgery
And more...
Many applicants are still approved at standard or near-standard rates when properly structured.
What it Covers?
Simplified issue insurance offers the same core protection as traditional life insurance:
Tax-free death benefit to your beneficiaries
Funds to cover funeral costs, debts, or income replacement
Optional add-ons (riders) depending on the insurer
How Much Coverage Do You Need?
Coverage amounts typically range from $5,000 to $500,000, depending on your age, condition, and financial goals.
To find the right amount, consider:
Final expenses
Outstanding debts
Family or dependents' needs
Any income replacement required