No-Exam Options

Most people know about two extremes in life insurance: the traditional fully underwritten policy that requires a medical exam and takes weeks to approve, and the guaranteed issue policy that accepts everyone but offers minimal coverage at maximum cost. Simplified issue life insurance lives in the middle — and for a surprisingly large number of […]

If you’ve been searching for life insurance with health problems, a difficult medical history, or a recent decline from a traditional carrier, you’ve almost certainly come across guaranteed issue life insurance. The name itself is appealing — guaranteed approval, no health questions, no exam. But before you sign up, it’s worth understanding exactly what you’re

If you’re over 60 and shopping for life insurance, you’ve almost certainly come across policies marketed as “no medical exam” or “no questions asked.” They’re appealing for obvious reasons — no needles, no doctor visits, no waiting weeks for lab results. But are they actually a good deal? And who do they make sense for?