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What is simplified issue life insurance?
Simplified issue life insurance can be a good option for both seniors and individuals with health conditions since it’s designed to provide coverage without requiring a medical examination or extensive underwriting. One of the main benefits of simplified issue life insurance is the ease and speed of the application process. Unlike traditional life insurance, which may require medical exams, blood tests, and detailed medical history reviews, simplified issue policies often involve a simple application form that you can complete quickly and easily.
Simplified issue life insurance is a type of final expense insurance. Final expense insurance is designed to cover the costs associated with a person's funeral, burial, and other end-of-life expenses. This means it’s typically a smaller policy with a lower death benefit compared to traditional life insurance policies. Both simplified issue and guaranteed issue policies fall under the final expense life insurance category and involve no medical exam, providing financial support for your family in the case the unexpected happens. We can help you explore the different options of life insurance available to you—including simplified issue whole life insurance—to see what policy and coverage makes the most sense for you and your situation.