{"id":403020,"date":"2024-06-24T18:13:16","date_gmt":"2024-06-24T18:13:16","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/simplified-issue-life-insurance\/"},"modified":"2024-06-24T18:13:16","modified_gmt":"2024-06-24T18:13:16","slug":"simplified-issue-life-insurance","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403020","title":{"rendered":"Simplified issue life insurance"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Short application and no medical exam make simplified life insurance a fast way to get coverage.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Simplified issue life insurance usually offers higher coverage amounts than final expense insurance.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">A short health questionnaire, instead of an exam, allows insurance companies to set a premium and death benefit based on a modified risk assessment.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><\/h2>\n<h2><strong> What is simplified issue insurance? <\/strong><\/h2>\n<p>Simplified issue insurance is a life insurance policy you can be approved for with minimal health questions. This type of insurance is typically geared towards people who need to obtain life insurance right away and\/or those who don\u2019t wish to submit to a medical exam.<\/p>\n<h2><strong> What is simplified issue insurance for? <\/strong><\/h2>\n<p>Simplified issue life insurance is designed to provide a limited amount of life insurance quickly, without the 4-8 week wait typical for conventionally underwritten policies that require a medical exam. With a simplified issue policy, there\u2019s no requirement for a full medical exam, so you can have coverage in days \u2013 not weeks or months.<\/p>\n<p>The death benefit payout can range from $5,000 to more than $100,000. The premiums may be higher than a typical term life or even whole life policy. Foregoing a medical exam means underlying health issues can\u2019t be factored in. Since risk is considered higher, the premium will be higher as well.<\/p>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2><strong> How does simplified issue insurance work? <\/strong><\/h2>\n<p>A simplified issue insurance policy is geared towards providing life insurance quickly. Most people who apply for a simplified issue policy can expect to have insurance in force upon acceptance of their application.<\/p>\n<p>Instead of a medical examination, a short health questionnaire must be answered, allowing the insurance company to complete a modified risk assessment and set a premium and death benefit.<\/p>\n<p>Some insurance carriers provide simplified issue life as either a term life or a permanent life policy. You may or may not be allowed to add riders to your policy to expand or enhance coverage or death benefits.<\/p>\n<h2><strong> When to buy a simplified issue policy? <\/strong><\/h2>\n<p>If you need life insurance but don\u2019t want to have a medical exam, or require life insurance as quickly as possible without a waiting period, a simplified issue life insurance policy may be the solution. Here\u2019s some circumstances when a simplified issue policy could be a good choice:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You\u2019ve been court mandated to get life insurance immediately with your children named as beneficiaries.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You need collateral for a loan \u2013 in some cases, a financial institution will accept a life insurance policy as collateral.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Your term life insurance has matured, and you need to retain life insurance while you decide what to do next.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You need life insurance, but you aren\u2019t sure you\u2019d qualify for more traditional policy types.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">You need life insurance, but you simply don\u2019t want to undergo a medical examination.<\/li>\n<\/ul>\n<p><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> <strong> <em> RAPID <\/em> <\/strong> ecision\u00ae Final Expense <\/a> is a simplified issue policy available from Fidelity Life.<\/p>\n<h2><strong> Advantages of simplified issue life insurance <\/strong><\/h2>\n<p>The main benefits of simplified issue insurance policies are:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">These types of policies don\u2019t require a medical exam.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Coverage starts as soon as your application is accepted and a premium set.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Policies typically offer a higher maximum than is usually available for guaranteed issue policies.<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Short application and no medical exam make simplified life insurance a fast way to get coverage. Simplified issue life insurance usually offers higher coverage amounts than final expense insurance. A short health questionnaire, instead of an exam, allows insurance companies to set a premium and death benefit based on a modified risk assessment. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":403021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-403020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Simplified issue life insurance - Fidelity Life<\/title>\n<meta name=\"description\" content=\"Simplified issue insurance is a life insurance policy you can be approved for with minimal health questions. Learn about your options with Fidelity Life.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Simplified issue life insurance - Fidelity Life\" \/>\n<meta property=\"og:description\" content=\"Simplified issue insurance is a life insurance policy you can be approved for with minimal health questions. 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