Simplified Issue Life Insurance
Simplified issue life insurance means there are no medical
exams or tests involved. To qualify, you will answer a few health questions on an application, and then the
insurance company will review your application.
What Will They Ask?
Here are some examples of information that an insurance company will ask on a simplified issue policy:
- Your height and weight
- Your health history (cancer, heart attack, diabetes, stroke, etc.)
- Your family's health history (have your parents or siblings died from heart disease or cancer?)
- Your smoking status
- Your occupation
- Your driving history
These policies can be non medical term life or permanent
insurance policies. If you choose a permanent policy,
your premium will be level for life and your policy cannot be cancelled, as long as you pay your
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