What Is Simplified Issue Life Insurance?

Quick Answer

Simplified issue policies generally use health questions instead of a full medical exam. Approval, premiums, and the date full benefits begin depend on the specific policy.

Compare Modeled Rates or Speak with a Specialist
See site-modeled monthly rate illustrations below or call for policy information.
Calculate Rates ↓ 📞 (877) 313-6597

Simplified issue policies generally use health questions in underwriting. An insurer may accept, decline, or offer different terms based on its policy rules.

What to compare

  • Application and health-question requirements
  • Actual premiums and available coverage amounts
  • Policy effective date
  • Any waiting or graded-benefit period

Ask for the written policy and confirm when full benefits begin. This site cannot determine eligibility or issue an insurer quote.

Explore an Estimate

Explore a site-modeled estimate by ZIP code. Confirm actual premiums, eligibility, and benefits with an insurer or licensed agent.

Burial Insurance Rates in Your Area

Informational Cost Estimate • Confirm Policy Terms

Estimated Rate: /mo

Modeled estimate only. This is not an insurer quote or a determination of eligibility.

🏛️ State Burial Insurance Rate Directories

Select your state to access 2026 rate estimates, calculators, and local funeral cost guides:

Texas (TX) Rates ↗ California (CA) Rates ↗ Florida (FL) Rates ↗ Ohio (OH) Rates ↗ Georgia (GA) Rates ↗ North Carolina (NC) Rates ↗