Skip the Exam: How Simplified Issue Life Insurance Works
For decades, getting life insurance meant a long application, scheduling a paramedic to come to your home, and waiting weeks for lab results. Those days are largely behind us!
Thanks to advances in data analysis and underwriting, we can now offer Simplified Issue Life Insurance to most applicants, which allows you to skip the medical exam entirely.
What is Simplified Issue Life Insurance?
Simplified Issue is a type of policy where the insurance company uses public records and proprietary databases, rather than a physical medical exam, to assess your risk level.
Instead of a blood draw and a physical, you simply fill out a concise application and answer a short list of health questions. The entire process is usually completed online or over the phone in minutes.
The Benefits of Going Exam-Free
1. Speed and Convenience
The greatest advantage is time. While traditional underwriting can take 4-8 weeks, simplified issue often results in an approval or rejection within minutes or hours. You can get coverage in place almost immediately.
2. No Needles, No Waiting
If you have a busy schedule, a fear of needles, or simply want to avoid the hassle, skipping the exam is a major relief. The process is streamlined and stress-free.
3. Privacy
Some people prefer not to share their lab results. Simplified issue relies on existing medical records, prescription history, and credit data, offering a more private path to coverage.
Is Simplified Issue Right for You?
Simplified Issue plans are widely available and can be a great option for many people, especially those who are:
- In good to average health.
- Seeking coverage amounts up to $500,000 or $1,000,000.
- Looking for permanent (Whole Life) coverage, such as Final Expense.
- In a hurry to get covered (e.g., following a major life change like a new baby or new mortgage).
While some very large policies may still require an exam, we always start with the simplified option to save you time and hassle.
Ready for Instant Peace of Mind?
We specialize in cutting through the red tape. Our access to top carriers means we can quickly determine if you qualify for an exam-free policy in any of the 48 states we serve.
Discover how fast and easy life insurance can be—get your free quote now! thecoicoubrokerageinsurances.com/contact-us/