Simplified Issue vs. Guaranteed Issue

Both simplified issue and guaranteed issue life insurance are designed for people who may not qualify for standard policies. Here's how they compare.

Simplified Issue

• Some health questions (no medical exam)
• Higher coverage amounts ($10K-$50K)
• Lower premiums than guaranteed issue
• Faster approval (usually within days)

Guaranteed Issue

• No health questions at all
• Lower coverage amounts ($5K-$25K)
• Higher premiums
• May have a waiting period

Which is right for you? Our agents can help you decide.

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