Simplified Issue Life Insurance

It is issued without a medical exam, generally with a few limited health questions and no full underwriting — Simplified issue life insurance is designed to streamline the underwriting process: it does not require a medical examination, and underwriting is based on a short application with a limited set of health questions and, in some cases, external database checks. It falls between guaranteed issue (no health questions, higher premiums, often graded benefits) and fully underwritten coverage (medical exam, APS, lab work). Because underwriting is less complete, simplified issue policies generally carry higher premiums per dollar of coverage and lower maximum face amounts than fully underwritten policies.

National insurance concept