If you are looking for coverage but don’t want to take a medical exam, policies that are “simplified issue” or “guaranteed approval” may be good options for you. Simplified issue policies require only a few medical questions and do not require a medical exam in most cases. Gerber Life Term Life Insurance and Whole Life Insurance Plans are both “simplified issue” and the application can be completed in just minutes.
For those who need coverage but prefer not to take a medical exam can look into two different types of policies. One that are known as “guaranteed approval” and another which is “simplified issue”. Simplified issue policies revolve around a couple of medical questions.
The other option is “guaranteed approval”. If the applicant is of a certain age range the guaranteed approval policy will allow for life insurance coverage as long as the person is between fifty and eighty years old. If you have any questions or need more info please do not hesitate to contact us. We are more than happy to answer any questions that you may have.
