---
title: "What Is Simplified Issue Life Insurance? | Epic Life"
description: "Simplified issue life insurance is coverage approved using a short health questionnaire and database checks, with no medical exam. A few health answers..."
url: https://epicline.preview.multisites.ai/glossary/simplified-issue-life-insurance
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Policy types and products

# Simplified Issue Life Insurance

Simplified issue life insurance is coverage approved using a short health questionnaire and database checks, with no medical exam. A few health answers can lead to a decline, so approval is not guaranteed.

## Why it matters

Simplified issue sits between guaranteed issue and full underwriting. It is faster than a fully underwritten policy and often cheaper than guaranteed issue. Carriers check prescription history and MIB records after the application, and some still use a graded benefit. Face amounts are lower than fully underwritten policies. Answer every health question honestly, since a misstatement can cause a claim denial during the contestability period. Rules and rates vary by carrier.

Source: [naic.org](https://content.naic.org/consumer/life-insurance.htm)

[Read next, for familiesGuaranteed issue vs simplified issue: which fits your health and age?](https://epicline.preview.multisites.ai/guides/guaranteed-vs-simplified-issue)

## Where we use this term

-   [Guaranteed issue life insurance: who gets approved, what the waiting period means](https://epicline.preview.multisites.ai/life-insurance/guaranteed-issue)
-   [No exam life insurance: simplified, guaranteed and accelerated options compared](https://epicline.preview.multisites.ai/life-insurance/no-exam-life-insurance)

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