Streamlined application options
Simplified Coverage
Depending on eligibility, certain policies may offer a streamlined application process without a traditional medical exam.
How the application can work
For eligible applicants, some policies replace the traditional medical exam with health questions answered over the phone. A licensed agent can explain which application options may be available to you, what they involve, and how long a decision typically takes for a specific policy — before you commit to anything.
A good fit when…
- You'd prefer to answer health questions rather than schedule an exam.
- You want a simpler, faster application process where available.
- Health history has made other applications difficult in the past.
- You value a clear, known process before deciding anything.
Worth knowing first
- Simplified applications may involve health questions that must be answered accurately.
- Premiums for simplified policies may be higher than fully underwritten coverage.
- Some policies may include waiting periods or graded benefits — ask which apply.
- Eligibility and availability vary by carrier, policy type, health history, and state.
Common Questions
Common questions
Get straightforward answers to some of the questions people commonly have when exploring coverage.
Do I need a medical exam?
Not necessarily. Some policies may offer simplified underwriting or other application options that do not require a traditional medical exam.
Can I get coverage if I have health conditions?
Possibly. Eligibility varies based on the carrier, policy type, health history, and underwriting requirements — a licensed agent can help you understand what may be available.
Take the Next Step
Find coverage that fits your life.
Speak with a licensed insurance professional who can help answer your questions and explain the life insurance options that may be available to you.
Speak With a Licensed Agent
