Life Insurance
Simplified Issue vs. Guaranteed Issue Life Insurance
When a full medical underwriting process is not a fit, simplified and guaranteed issue policies offer alternative paths to coverage.
Simplified issue
Asks a handful of health questions and skips the medical exam. Approval is faster and coverage amounts are moderate.
Guaranteed issue
Cannot be declined for health reasons, but typically has lower face amounts and a waiting period before the full death benefit is payable.
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.