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Life Insurance: How To Buy Despite A Health History

Simplified Issue Life Insurance

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Simplified issue life insurance is a life insurance policy that is similar to a guaranteed issue policy in that there is no medical exam. However, the application for a simplified issue life insurance policy asks a few medical questions.

The number of questions is no where near the same number of questions found on an application for a standard individual life insurance policy. The questions may be as basic as: "Have you been hospitalized during the last six months?"

You may find simplified insurance policies in amounts up to $50,000 or perhaps even $100,000. For example, Globe Life offers policies up to $50,000. offsite link

You can also consider asking a broker in your area if he or she has any simplified issue life insurance policies available. As noted above, give as little personal information as possible until you are ready to move forward.

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