---
title: What is simplified issue life insurance | Coverfolk
url: https://coverfolk.com/answers/simplified-issue
updated: 2026-10-08
---

# What is simplified issue life insurance?

Updated October 8, 20263 sourcesCoverfolk team[Fact checked](/editorial-standards)

The short answer

It is life insurance with no medical exam. You answer a few health questions, and if approved, coverage can often start the same day.

You skip the exam and lab tests. You still answer a health questionnaire.

The insurer still checks records. It looks at your MIB file, prescription databases and driving record.

Coverage is smaller. Most simplified issue term policies offer $100,000 to $250,000. People over 55 are often capped at $100,000.

It costs more than a fully underwritten policy. You pay for the speed and the skipped exam.

You can still be turned down. That is different from guaranteed issue, which accepts everyone.

## More questions

### Who is it good for?

People who want coverage fast or do not want an exam. Healthy people may pay less with a full exam.

### What is guaranteed issue?

It asks no health questions and accepts anyone. Policies are small, and the price is much higher.

### Is there an age limit?

It depends on the company. Some offer it up to age 85.

## Words to know

[Guaranteed issue](/glossary)
:   A policy for people with health issues who may not qualify for other coverage. Very few people are turned down.

[Simplified issue](/glossary)
:   A policy with a short application and limited health information. It usually costs less than guaranteed issue, but more than fully underwritten coverage.

## Sources

1. [NerdWallet: Simplified Issue Life Insurance](https://www.nerdwallet.com/article/insurance/simplified-issue-life-insurance)
2. [NerdWallet: Life Insurance Medical Exams](https://www.nerdwallet.com/article/insurance/life-insurance-medical-exams)
3. [NerdWallet: How Does Life Insurance Underwriting Work?](https://www.nerdwallet.com/insurance/life/learn/life-insurance-underwriting)