Coverage without a medical exam
Many people qualify for simplified-issue or guaranteed-issue life insurance that skips the medical exam. You answer health questions (or none at all) and can often be approved in days instead of weeks — a great option if you want coverage fast or have a needle aversion.
Simplified-issue policies ask a handful of health questions and can offer solid coverage amounts with fast approval. Guaranteed-issue policies ask no health questions and can’t decline you, but they offer smaller benefits, cost more per dollar of coverage, and often include a graded benefit for the first two years.
No-exam coverage is convenient, but a traditional fully-underwritten policy can be cheaper if you’re healthy and willing to take the exam. We’ll show you both.
Free licensed guidance in 5 languages — or quote yourself online.
Often a little, because the insurer has less health information and prices in more risk. If you’re in good health, a fully-underwritten policy with an exam may cost less — but no-exam wins on speed and convenience.