Speak to a Licensed Sales Agent!
Explore simplified issue life insurance with SelectQuote.
In just minutes, we can help you find the right coverage from the right carrier at the right price.
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.
Benefits of Simplified Issue Whole Life Insurance
When you’re shopping for life insurance, it’s important to consider your financial needs and lifestyle to find a policy that’s a good fit for you and your family. By eliminating the need for a medical exam or extensive underwriting and offering lifetime coverage, there are several advantages to choosing a simplified issue whole life insurance policy. Here’s an overview of the benefits of this type of insurance plan:
Simplified Acceptance Life Insurance
The process of obtaining simplified issue whole life insurance is, as the name implies, simpler than traditional term or whole life insurance. Although approval isn’t always guaranteed (as compared to guaranteed issue life insurance), your coverage will be based on a questionnaire about your health and lifestyle rather than a medical exam. Simplified issue life insurance can be preferred for someone who needs coverage immediately or who believes a medical exam might work against their favor for coverage.
No Medical Exam and No Medical Records
One of the biggest benefits of a simplified life insurance plan is that it doesn’t require a medical exam. This will not only save you time but may also be a significant advantage if you’re concerned that your current health conditions may prevent you from qualifying for life insurance coverage or impact the cost of your premium. Additionally, there’s no requirement to provide medical records and your coverage amount and rates will be based on a medical questionnaire.
Life Insurance Coverage up to $100,000
If you’re between the ages of 45-85, you can get simplified issue life insurance coverage up to $100,000. Since this type of policy allows you to bypass the medical exam, you won’t have to wait around for your results. Instead, you could potentially have coverage in just days rather than waiting weeks or months for a standard insurance plan. If you’re looking for a higher coverage amount, you may also want to consider instant term life insurance (if you’re under 60 and in good health) or a more traditional policy like universal life insurance.
Required Information for Simplified Issue Life Insurance
Although you don’t have to go through the process of a medical exam for simplified issue life insurance, insurance companies still want to have an idea of both your health status and insurance history. To start the application process, you (or your information) will likely have to go through the following:
Database Checks
The insurance company will likely want to run your name through several databases—such as the Medical Information Bureau (MIB)—but they might also want to check both your driving record and pharmaceutical databases. These checks give insurance companies a better idea of your health and history without having to forego the medical exam to obtain simplified issue life insurance.
Health Qualification Questions
In addition to the database checks, you’ll also have to complete a questionnaire, which asks you to answer questions about your medical history. This also provides a well-rounded idea of your health and history without having to go through a medical exam.
What if I need more than $100,000 in life insurance coverage?
If you need more coverage than the $100,000 associated with simplified issue life insurance, you might look into instant term life insurance if you’re in generally good health and are 60 years old or younger. If you shop with SelectQuote, you may qualify for up to $5 million in coverage without the need for a medical exam.
Still have questions? We’re here to help:
Get a Simplified Issue Whole Life Insurance Policy with SelectQuote
When you’re ready to find a simplified issue policy or explore your life insurance options, SelectQuote makes finding the right coverage easy. With nearly 40 years of industry experience, our licensed insurance agents can compare rates from several of the nation's most trusted carriers in just minutes. We’ll take your goals, budget, and priorities into account to ensure you can feel confident that your loved ones have the financial security they need.
We do the shopping. You do the saving.
Licensed name varies by state: SelectQuote Insurance Services, SelectQuote Insurance Agency. ©2025 SelectQuote Insurance Services. All rights reserved.