SIMPLIFIED ISSUE TERM LIFE INSURANCE QUOTE

No Exam, Real Protection

Secure dependable coverage with a straightforward, no-hassle application.

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Simplified Issue Term Life Quote

What Is a Simplified Issue Term Life Insurance Policy?

Simplified issue term life insurance offers a quicker, easier way to get covered. Instead of a full medical exam, applicants answer a short series of health questions for faster approval, making it a good option for those who want coverage with less hassle. Key benefits include:

Quick Approval

Faster application process with fewer health requirements

Simple To Apply

Answer a short series of health questions instead of completing a full medical exam

Affordable Protection

Premiums are higher than fully underwritten term life, but still lower than permanent policies

Guaranteed Protection

Provides a death benefit for your chosen term length, as long as premiums are paid

Fixed Premiums

Premiums stay the same throughout your chosen term, providing budget-friendly predictability

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How a Simplified Issue Term Life Insurance Policy Works

Simplified issue term life insurance makes it easier to get coverage by replacing the full medical exam with a short health questionnaire. Approval is typically faster, though coverage amounts may be lower than traditional term policies.

Apply for Coverage: Complete a shorter application with basic health questions, usually without a medical exam.
Choose Your Policy: Select the coverage amount and term length that match your goals.
Pay Premiums: Premiums are fixed for the length of your chosen term.
Coverage Remains in Place: As long as premiums are paid, your policy stays active with a guaranteed death benefit.
End of Term Options: Some policies may allow renewal or conversion to permanent coverage.
Guaranteed Death Benefit: If you pass away during the term, your beneficiaries receive the policy’s death benefit, generally income-tax-free.

Want a deeper dive? Read our full guide: Understanding Simplified Issue Life Insurance

Why Choose Western & Southern?

Financial Strength

High ratings reflect stability you can count on

Trusted for Over 135 Years

Helping families protect their future since 1888

Serving Millions Nationwide

Trusted by families across the 50 states

Is Simplified Issue Term Life Insurance Right for You?

Simplified issue term life insurance offers a faster, easier way to get covered, with no full medical exam required. It’s designed for people who want dependable protection without the hassle of traditional underwriting.

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Quick Coverage Seekers

Individuals who want life insurance in place quickly, often for immediate family protection.

Busy Professionals

People who prefer a simplified process without scheduling a medical exam.

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Moderate Needs

Those seeking smaller coverage amounts for specific expenses, such as debt payoff or partial income replacement.

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Health-Conscious Planners

Applicants with manageable health conditions who want an easier approval path.

Simplified issue term works well for people who prioritize convenience, even if coverage amounts are lower or premiums slightly higher.

Not sure if renewable term life is right for you? Explore all types of Term Life Insurance.

Frequently Asked Questions About Simplified Issue Term Life Insurance

It’s term life coverage you can get without a medical exam. Instead, you answer health questions, and the insurer uses data checks to decide quickly. This makes the application faster and easier.

Your quote is based on your age, health history, coverage amount, and riders. Many quotes can be generated online in minutes, giving you an upfront estimate of cost. Final rates are confirmed after application.

Simplified issue policies are designed for speed. Many people receive a decision the same day, without scheduling a medical exam. If additional checks are needed, you’ll know the next steps right away.

Coverage limits are usually lower than fully underwritten term life policies. Many plans are best suited for protecting income, covering debts, or securing family needs during key years.

Often yes. Simplified issue life insurance trades slightly higher premiums for the convenience of skipping a medical exam and getting a faster decision.

Many policies allow conversion to permanent life insurance within a set time frame. This gives you the chance to lock in lifelong coverage without a new medical exam.

It’s a good fit for people who want fast, straightforward coverage, or who prefer to avoid medical exams. Busy families, professionals, or those with modest coverage needs often choose this option.

IMPORTANT DISCLOSURES

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

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