Simplified issue life insurance requires answering 8-15 health questions but no medical exam. If you qualify, coverage starts immediately with no waiting period. It's the most common type of burial insurance and offers better rates than guaranteed issue.
Simplified issue is the sweet spot between guaranteed issue (no questions, highest cost) and fully underwritten life insurance (medical exams, lowest cost). Most burial insurance policies are simplified issue.
How It Works
- Application — Answer 8-15 yes/no health questions
- Quick underwriting — Carrier reviews answers, may check MIB database
- Approval — Same day to one week
- Coverage starts — Immediately upon premium payment
Typical Health Questions
Questions focus on major health events in the past 2-5 years:
- Heart attack, stroke, or TIA?
- Cancer diagnosis or treatment?
- Currently using oxygen equipment?
- On dialysis or awaiting transplant?
- Diagnosed with AIDS/HIV?
- Alzheimer's or dementia diagnosis?
- Currently in a nursing home or hospice?
- Any pending surgery?
Why Choose Simplified Issue?
- Lower cost — 30-50% cheaper than guaranteed issue
- Immediate coverage — No waiting period
- Fast approval — Often same-day
- No needles — No blood tests or doctor exams
If you can answer "no" to the health questions, always go with simplified issue.
Related Questions
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State-Regulated Programs • No Medical Exam
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