For most people aged 50 to 75 with manageable health, simplified issue is the sweet spot. Cheaper than guaranteed issue, full coverage immediately, and no medical exam. The work is finding the carrier most willing to underwrite your specific health profile — and that’s what an independent final expense brokerage does.
No Exam Coverage
No Medical Exam — Full Coverage From Day One
Skip the medical exam. Answer a short health questionnaire and, if you qualify, get full coverage from day one — the best value for manageable conditions.
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- No medical exam — approval based on a short health questionnaire
- Full coverage from day one (no graded waiting period)
- Best value for controlled diabetes, high blood pressure, and minor heart history
★ 4.9 (200+ Reviews) · 11+ Years Experience · Multiple A-Rated Carriers · No Obligation · Coverage from $50/mo
Sound familiar?
Why People Come to Us for No Exam Coverage
You're Afraid a Medical Exam Will Disqualify You
Simplified issue skips the exam entirely. Approval is based on a short health questionnaire, which most people with manageable conditions can pass.
Different Agents Are Quoting Very Different Rates
The spread between the cheapest and most expensive carrier for the same person can be $30-50 per month on a $15,000 policy. Carrier matters.
You're Not Sure Your Health Condition Counts as Manageable
Controlled diabetes, high blood pressure, or minor heart history often qualifies at standard rates with the right carrier. We find out before assuming the worst.
You've Heard About Waiting Periods and Want to Avoid Them
Simplified issue means full coverage from day one. No graded period, no return-of-premium clause. This is the key difference from guaranteed issue.
Simplified issue policies skip the medical exam entirely. You answer a health questionnaire — usually 10 to 15 yes/no questions — and if you qualify, you get full coverage from day one with no waiting period. This is where most people end up, and for good reason: if you have manageable conditions like controlled diabetes, high blood pressure, or a history of minor heart issues, a simplified issue policy through the right carrier is almost always the best value. The key phrase is 'the right carrier.' One carrier might decline you for a diabetes diagnosis while another approves you at standard rates for the exact same condition. That's why having access to an independent agent who shops multiple carriers matters most.
What No Exam Coverage Coverage Includes
No medical exam — approval based on a short health questionnaire
Full coverage from day one (no graded waiting period)
Best value for controlled diabetes, high blood pressure, and minor heart history
Carrier-matching to the underwriting most lenient on your conditions
Level premiums for life — never increase
Approval typically within days of application
Typical Pricing
Typical No Exam Coverage Premium Ranges
Typically $50–$100
per month (typical for ~$10,000 coverage, ages 50-75)
Actual rates depend on age, health, tobacco use, and which carrier the policy is placed with. A licensed agent can shop A-rated carriers to find your real best rate. No cost, no obligation.
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Why independent matters
Why Buyers Choose Independent Over Captive for No Exam Coverage
Real Underwriting Knowledge
Our content is written by someone who actually placed these policies for over a decade, not scraped from carrier brochures.
Independent — Not Captive
Agents shop multiple A-rated carriers (Mutual of Omaha, Aflac, Aetna, American Amicable, Americo, TruStage), not one company's products.
Honest Recommendations
We'll tell you when a popular option is a bad deal. Guaranteed issue is a last resort, not a starting point. That's the kind of honesty this space is missing.
No Cost, No Obligation
Free to use. We earn a referral fee from the licensed agent, never from you. No cold calls, no high-pressure follow-up.
How it works
How to Get No Exam Coverage Coverage in 4 Steps
1
Submit a quote request
Age, state, coverage amount, a few health details. Two minutes, no medical exam.
2
We match you to a licensed agent
An independent agent who can shop multiple A-rated carriers for your situation.
3
Compare real quotes
You see honest rates side by side, with an explanation of which fits best. Not a sales pitch.
4
Place coverage on your schedule
When you're ready, the agent walks the application through. Premiums lock in for life.
See if you qualify — takes about two minutes.
Free quote, no obligation, no cold calls. Licensed agents shop multiple A-rated carriers.
Real customers
What Customers Say After Getting Covered
★★★★★
"I didn't want to leave my daughter with burial costs. The process was easy — no doctors, no needles. I got a $15,000 policy and finally stopped worrying about it."
Sarah L.
Orlando, FL
Questions
Common Questions About Simplified Issue (No Exam) Life Insurance
How is simplified issue different from guaranteed issue?
Simplified issue uses a short health questionnaire (no exam). If you pass, you get full coverage from day one — no waiting period. Guaranteed issue skips all health questions and approves everyone aged 50–85, but comes with a two- to three-year graded benefit period. Simplified issue is almost always the better deal if you qualify.
What kind of health questions are asked?
Typically 10–15 yes/no questions covering knockout conditions (active cancer treatment, recent heart attack, dementia, HIV, organ transplant within a lookback period), plus broader questions about diabetes, blood pressure, tobacco use, and medications. The exact list varies by carrier.
Can I qualify with Type 2 diabetes?
Often yes. Controlled diabetes — including insulin-dependent for some carriers — is routinely approved at simplified issue rates. The carrier matters: some are strict, others are lenient. That's exactly why working with an independent agent who can shop carriers makes a difference.
How long does approval take?
Most simplified-issue applications return a decision within hours to a few days. The carrier checks your questionnaire answers against the Medical Information Bureau and prescription history databases. If everything aligns, you're approved and the policy goes in force as soon as the first premium clears.
What if I answer 'yes' to a knockout question?
That specific carrier will likely decline. But carriers vary — a condition that's a knockout at one might be acceptable at another. If simplified issue truly isn't available anywhere, guaranteed issue is the fallback. Either way, you have options.
Go Deeper
Guides on No Exam Coverage
Day-One Full Coverage: How Simplified Issue Differs From Guaranteed Issue
Why simplified issue's day-one full coverage beats a graded wait: the no-wait advantage, the cost difference, who qualifies, and why to try simplified first.
What Health Questions Are on a Simplified Issue Application?
What to expect on a simplified issue application: typical yes/no categories, knockout conditions, why honest answers protect your claim.
Simplified Issue vs Guaranteed Issue: How to Qualify for the Cheaper Option
Maximize your chance at the lower-cost tier: conditions that still pass simplified underwriting, carrier-shopping for lenient placements.
Related Coverage
Guaranteed Issue Life Insurance
100% acceptance coverage for ages 50-85 with no health questions and no exam — the fallback when you can't qualify for simplified issue.
Read more →High-Risk / Hard-to-Place Burial Insurance
Coverage for people declined or rated up for health reasons. Carriers view the same condition very differently — we find the ones who approve you.
Read more →Ready to See Your Real Options?
Get matched with a licensed agent who shops multiple A-rated carriers for your situation. Free, no obligation, no medical exam.