The best simplified issue life insurance in Los Angeles, CA typically comes from comparing several carriers through an independent broker rather than picking one insurer’s application. Simplified issue policies use a short health questionnaire instead of a medical exam, approve in days instead of weeks, and usually cost more than fully underwritten term life but less than guaranteed issue coverage.
Key Takeaways
- Simplified issue life insurance skips the paramedical exam and lab work, relying instead on a short health questionnaire and sometimes a prescription/database check.
- Approval is usually much faster than fully underwritten policies — often days rather than four to eight weeks — which matters for Los Angeles buyers facing mortgage deadlines, custody proceedings, or business loan requirements.
- Pricing generally sits in the middle: more than a healthy applicant would pay for fully underwritten term, but less than guaranteed issue coverage aimed at people who cannot pass any health screening.
- Not every applicant qualifies — certain health conditions or recent diagnoses can still trigger a decline, so comparing more than one carrier’s questionnaire matters before applying.
What Simplified Issue Life Insurance Is and How It Works
Simplified issue life insurance is underwritten using a short list of yes/no and short-answer health questions — typically 10 to 20 questions covering things like tobacco use, major diagnoses (cancer, heart disease, diabetes complications), recent hospitalizations, and driving or occupational risk factors. There is no paramedical exam, no blood draw, and no urine sample. Some carriers cross-check answers against the Medical Information Bureau (MIB) and prescription history databases (Rx databases), but the applicant never has to schedule an in-home exam appointment.
The trade-off for that convenience is underwriting speed versus underwriting precision. A fully underwritten policy asks an insurer to build a detailed risk profile — exam results, lab values, physician records, sometimes an attending physician statement — before pricing the policy. That process is thorough, and it’s why healthy, younger applicants who don’t mind the wait often get the lowest rates. Simplified issue underwriting instead relies on self-reported answers plus database checks, which is faster but leaves the insurer with less information, so it prices in a bit more margin for uncertainty.
In practice, that means simplified issue life insurance in Los Angeles works well as a middle path: faster and easier than fully underwritten term or whole life, but generally less expensive than guaranteed issue policies, which ask no health questions at all and are priced for applicants insurers assume may be higher risk. For a broader look at how no-exam options compare across Los Angeles, see this overview of no-exam life insurance broadly, which covers simplified issue alongside accelerated underwriting programs some carriers now offer to healthy applicants.
Why Speed Matters for Some Applicants
Fully underwritten applications in California can take anywhere from a few weeks to over a month once exam scheduling, lab processing, and records requests are factored in. Simplified issue applications, by contrast, are often decided within a matter of days — sometimes the same day the questionnaire is submitted, depending on the carrier and how the database checks return. For residents juggling a refinance closing, a new small business loan that requires key-person coverage, or simply wanting coverage in place before a trip, that difference in timeline can be the deciding factor over squeezing out the lowest possible premium.
Level Benefit vs. Graded Benefit Simplified Issue Policies
One distinction that trips up a lot of first-time simplified issue shoppers in Los Angeles is the difference between a level benefit policy and a graded benefit policy. Both are sold under the simplified issue umbrella, and both skip the medical exam, but they can pay very differently if a claim happens early in the policy’s life.
A level benefit simplified issue policy pays the full death benefit from day one, as long as the policy is in force and the application was answered honestly. This is generally what carriers offer to applicants whose health questionnaire answers indicate reasonably good health — no serious knockout conditions, no recent major diagnoses, and generally stable management of any chronic conditions disclosed.
A graded benefit policy, by contrast, is typically offered to applicants whose health answers place them in a higher-risk category but whom the carrier is still willing to insure. These policies usually include a graded period — often two to three years — during which a death from natural causes pays out only a return of premiums paid, sometimes with modest interest, rather than the full face amount. Accidental death is commonly still covered at the full benefit even during the graded period. Once the graded period ends, the policy converts to paying the full death benefit for the remainder of its term.
Behind the scenes, many carriers use some version of a point-based scoring system to sort applicants into level, graded, or decline categories. Each answer on the questionnaire — tobacco use, a specific diagnosis, a recent hospitalization, certain medications — adds or subtracts points, and the applicant’s total determines which underwriting outcome the carrier offers. Because carriers build these scoring systems independently, the same health history can score differently from one company to the next: one carrier’s point system might place a controlled health condition just above the level-benefit threshold, while another’s places the identical condition just below it, resulting in a graded offer instead. That’s a big part of why a decline or a graded offer from one carrier isn’t the final word — a different carrier’s scoring system may treat the same answers more favorably.
Neither structure is inherently better — a graded benefit policy is often the only simplified issue option available to someone with a health history that would otherwise be declined outright, and for that applicant it’s still meaningfully better than no coverage at all. The key is understanding which type of policy is actually being offered before buying it, since a graded policy mistaken for a level benefit policy can create a painful surprise for beneficiaries if a claim happens in the first couple of years. This is another area where comparing carriers through a broker helps, since some Los Angeles applicants who assume they’ll be offered a graded policy are pleasantly surprised to qualify for level coverage once a different carrier’s questionnaire is used instead.
Who in Los Angeles Is Simplified Issue Life Insurance Best For
Los Angeles County is enormous and its population is correspondingly varied, so “best for” depends heavily on individual circumstances. That said, a few patterns show up often among Angelenos who lean toward simplified issue coverage:
- Applicants who want coverage in place quickly. Someone closing on a home near the county’s roughly $985,000 median price, or finalizing a business loan, often can’t wait six to eight weeks for a fully underwritten decision.
- People who are generally healthy but want to avoid the exam process. Scheduling a paramedical exam in a city with Los Angeles’s traffic and sprawl — getting from Silver Lake to an exam site during a workday, for example — is a real friction point some applicants would rather skip entirely.
- Residents with mild, well-managed health conditions. Someone with controlled blood pressure or a manageable weight-related condition may not qualify for the very best fully underwritten rate class anyway, so the pricing gap between fully underwritten and simplified issue narrows or disappears for them.
- Self-employed and gig-economy workers. Downtown LA, Hollywood, and Venice all have concentrations of freelance, creative, and entrepreneurial workers who want coverage without a lengthy underwriting file tied up in scheduling.
- Older applicants supplementing existing coverage. With roughly 545,000 residents in Los Angeles County aged 65 and older, simplified issue policies are frequently used to add a smaller supplemental policy — for final expenses or to fill a gap — without redoing a full medical underwriting file late in life.
- Recent transplants and immigrants building a U.S. medical history. Los Angeles draws newcomers from around the world, and some arrive without an established U.S. medical record for a fully underwritten insurer to review. A short health questionnaire sidesteps that records gap entirely, since it relies on self-reported answers and database checks rather than a domestic medical history file that may not exist yet.
- New parents and small-business owners facing a specific deadline. A new parent wanting coverage in place before a child arrives, or a small-business owner whose lender requires key-person life insurance before funding a loan, often values a policy that can be in force within days over one that might save a modest amount per month but takes weeks to underwrite.
- Widowed or divorced individuals updating coverage after a life change. Divorce decrees and estate plans sometimes require updated life insurance within a defined window, and simplified issue’s faster timeline can help residents meet those deadlines without the coverage gap a longer underwriting process might create.
These patterns aren’t exhaustive, and plenty of Angelenos fall into more than one category at once — a self-employed Silver Lake resident in their 50s with a well-managed health condition and a mortgage closing deadline might check three or four of these boxes simultaneously. That overlap is exactly why looking at a broker’s full comparison, rather than a single factor, tends to produce a better carrier match than assuming any one category applies in isolation.
Conversely, very healthy, non-smoking applicants in their 20s and 30s who have time to wait for underwriting often do better financially with a fully underwritten term policy, since insurers reward the extra data with their most competitive pricing tiers. A broker comparison is the fastest way to see which category actually applies to your situation rather than guessing.
2026 Cost Ranges in Los Angeles by Age and Health
Exact premiums depend on carrier, coverage amount, term length, and the specific answers on the health questionnaire, so treat the following as general positioning rather than a quote. As a rule of thumb across the industry, simplified issue premiums in 2026 tend to run higher than fully underwritten term for the same coverage amount — often somewhere in the range of 20% to 50% more for a comparably healthy applicant — while still coming in noticeably below guaranteed issue pricing, which is priced for guaranteed acceptance regardless of health.
General Cost Positioning by Age Band
Younger applicants (20s–30s) in good health typically see the widest gap between simplified issue and fully underwritten pricing, simply because fully underwritten insurers can offer their best-in-class rates to low-risk younger applicants who pass an exam. Middle-aged applicants (40s–50s) often see a narrower gap, especially if minor, common health factors would have bumped them out of the top fully underwritten rate class anyway. Older applicants (60s and up) frequently find simplified issue pricing more competitive relative to fully underwritten options, particularly for smaller face amounts used for final expense or supplemental coverage, since fully underwritten policies for older applicants already carry more conservative pricing regardless of exam results.
What Moves the Price
Within simplified issue underwriting itself, the biggest cost drivers are usually tobacco use (which can roughly double pricing across nearly all life insurance categories), the specific health conditions disclosed on the questionnaire, coverage amount, and term length. Carriers vary meaningfully in how they weigh the same answers — one carrier’s questionnaire might treat a controlled health condition as a minor rate-up, while another’s might decline the same applicant outright — which is exactly why comparing multiple simplified issue carriers side by side, rather than applying to just one, tends to produce a meaningfully better outcome for Los Angeles applicants.
Los Angeles’s cost of living index of roughly 176 (well above the national average) is also worth factoring into how much coverage makes sense, separate from the underwriting type. Many households size their death benefit around covering a mortgage near the local median home price, replacing income for a number of years, or covering final expenses — and that math is the same regardless of whether the policy ends up being simplified issue or fully underwritten.
Term vs. Whole Life Simplified Issue Pricing
Simplified issue coverage isn’t limited to term life — it’s also common to find simplified issue whole life policies, particularly in the final expense and smaller face amount market. The underwriting process looks similar either way (a short questionnaire, no exam), but the pricing structure differs meaningfully. Simplified issue term policies are generally the lower-cost entry point for a set period — 10, 15, 20, or sometimes 30 years — after which the premium either increases substantially or the coverage ends, depending on the policy’s terms. Simplified issue whole life policies cost more per dollar of coverage but build cash value over time and are designed to stay level for life, which is part of why they’re a common choice for final expense planning among older Los Angeles applicants who want a policy that won’t need to be renewed or replaced later.
Coverage amount and term length interact with underwriting type in ways that are easy to overlook when comparing quotes. A 10-year simplified issue term policy for a relatively small face amount will price very differently than a 30-year term for a larger amount, even before health questionnaire answers come into play — so applicants comparing carriers should make sure they’re comparing the same term length and face amount across quotes, not just the underwriting category, to get an apples-to-apples sense of which carrier is actually more competitive for a given situation.
Face amount caps also vary meaningfully by carrier and by policy type. Simplified issue term policies generally allow higher maximum face amounts than simplified issue whole life policies, which tend to be capped lower since they’re typically designed around final expense and smaller supplemental needs rather than full income replacement or mortgage payoff. An applicant in Los Angeles who needs a larger face amount to cover a mortgage near the county’s median home price may find that simplified issue term gets them closer to that number than simplified issue whole life would, even though both fall under the same broad underwriting category.
How to Qualify and Get Simplified Issue Life Insurance in Los Angeles
The process is intentionally streamlined compared to fully underwritten coverage. Here’s how it typically unfolds:
- Gather basic information. Have your age, general health history, current medications and dosages, tobacco and nicotine use status (including vaping and nicotine replacement products, which some carriers treat differently than cigarettes), and desired coverage amount ready before starting. Having a rough list of current prescriptions on hand speeds up the questionnaire noticeably, since several common carrier questions ask about medications by name rather than just by condition.
- Compare carriers before applying. Because simplified issue questionnaires and pricing vary significantly by carrier, reviewing a few options side by side — ideally with an independent broker who can pull multiple quotes — is the single biggest factor in getting a competitive rate.
- Complete the health questionnaire. This is typically done over the phone or online in 15–30 minutes, answering yes/no and short-answer questions about your health history.
- Underwriting review and database checks. The carrier cross-references your answers against the Medical Information Bureau (MIB), which flags certain previously reported conditions across carriers, and prescription history databases, which can reveal medications an applicant may have forgotten to mention. Unlike fully underwritten review, this step doesn’t involve requesting physician records or an attending physician statement, which is the main reason simplified issue moves so much faster — the carrier is working from database checks and self-reported answers rather than waiting on records requests that can take weeks to fulfill.
- Decision. Many simplified issue applications are decided within a few business days; some carriers return same-day decisions for straightforward cases. For a closer look at how fast some carriers move, see this breakdown of instant approval options available to Los Angeles applicants.
- Policy issue and first payment. Once approved, the policy is issued and coverage begins after the first premium payment is received.
Many simplified issue policies also offer optional riders — such as an accidental death benefit rider, a child term rider, or a waiver of premium rider — that can be added for a modest additional cost. These riders aren’t unique to simplified issue coverage, but because the base application is already streamlined, adding a rider rarely slows down the underwriting decision the way it sometimes can with a fully underwritten policy. If an application is declined, the typical next steps are reapplying with a different carrier whose questionnaire weighs the specific health factor differently, or considering a graded benefit or guaranteed issue policy as a fallback — an independent broker can usually gauge which path makes more sense before a second application is submitted, saving an applicant from multiple unnecessary declines showing up on their MIB record.
Because Los Angeles County spans so many different ZIP codes and neighborhoods — from Downtown LA and Koreatown to Brentwood and Highland Park — logistics like exam scheduling can vary a lot by area. Simplified issue sidesteps that variability entirely since there’s no exam to schedule in the first place.
Simplified Issue vs Guaranteed Issue vs Fully Underwritten
These three underwriting categories sit on a clear spectrum from fastest-and-most-accessible to slowest-and-most-precisely-priced. The table below summarizes the practical differences.
| Factor | Guaranteed Issue | Simplified Issue | Fully Underwritten |
|---|---|---|---|
| Speed to approval | Fastest — often immediate acceptance | Fast — typically days, sometimes same-day | Slowest — often several weeks |
| Health questions | None asked | Short questionnaire (10–20 questions), no exam | Detailed application plus paramedical exam and labs |
| Typical cost | Highest per dollar of coverage | Middle ground — more than fully underwritten, less than guaranteed issue | Lowest per dollar of coverage for healthy applicants |
| Coverage limits | Usually low face amounts (often used for final expense) | Moderate face amounts, higher than guaranteed issue | Highest face amounts available |
| Best suited for | Applicants who would likely be declined elsewhere or want zero health questions | Generally healthy applicants who want speed and simplicity | Healthy applicants prioritizing the lowest long-term cost |
Notice that simplified issue occupies genuine middle ground on every dimension — it’s not simply “guaranteed issue but cheaper” or “fully underwritten but faster.” It’s a distinct underwriting category with its own trade-offs, which is why matching the right category to your actual health profile and timeline matters more than defaulting to whichever option sounds most convenient.
Common Mistakes Los Angeles Buyers Make and How to Avoid Them
A few patterns show up repeatedly among Los Angeles applicants shopping for simplified issue coverage:
Applying to Only One Carrier
Because simplified issue underwriting varies so much carrier to carrier, applying to just one insurer — often whichever one shows up first in an online search — can mean overpaying or even getting declined by a carrier that happens to weigh your specific health history unfavorably, when a different carrier would have approved you at a better rate. Comparing multiple carriers before applying is the single most effective way to avoid this.
Assuming Simplified Issue Is Always Cheaper
Some applicants assume “no exam” automatically means “cheaper.” In reality, healthy applicants willing to complete a fully underwritten application often pay less over the life of the policy. Simplified issue’s value is speed and convenience, not necessarily the lowest possible premium — an important distinction to weigh honestly before choosing.
Overlooking Coverage Amount Limits
Simplified issue policies typically cap out at lower face amounts than fully underwritten policies. Applicants in higher cost-of-living areas like Los Angeles, where mortgage balances near the ~$985,000 median home price are common, sometimes discover mid-application that simplified issue can’t provide the full coverage amount they actually need, requiring a second policy or a different underwriting path.
Not Disclosing Accurately
Because the questionnaire is short, it can be tempting to gloss over a health detail that seems minor. Inaccurate answers can lead to a claim being contested later, which defeats the purpose of buying the coverage in the first place. Honest, complete answers on a short questionnaire are far preferable to a fast approval that isn’t reliable when a family needs it.
Not Comparing Against Guaranteed Issue When Health Is a Real Concern
On the flip side, applicants with more significant health history sometimes waste time on multiple simplified issue applications and denials before considering that guaranteed issue coverage — while more expensive per dollar of coverage — might be the more realistic and faster path for their situation.
How Simplified Issue Life Insurance Compares Across Providers
Simplified issue underwriting isn’t a single standardized product — it’s a category that multiple carriers build differently, with different questionnaires, different rate classes, and different coverage caps. Because no single company is the obvious best fit for every applicant, it helps to understand broadly how a few well-known names in the simplified issue space tend to position themselves before comparing personalized quotes.
Mutual of Omaha is one of the more widely recognized names in the no-exam and simplified issue space, distributing its products through a large network of independent agents and brokers alongside its own career agent force. It’s generally known for a broad simplified issue and guaranteed issue lineup aimed at a wide range of ages and health profiles, which makes it a common comparison point rather than a niche specialist.
Foresters Financial operates as a fraternal benefit society rather than a traditional stock or mutual insurer, which means policyholders can sometimes access member benefits beyond the death benefit itself, such as scholarship programs or family-oriented perks. Its simplified issue term products are distributed primarily through independent brokers and are generally positioned toward straightforward, no-frills coverage.
Royal Neighbors of America is another fraternal benefit society with a long history in the life insurance space, historically known for extending coverage access to women when many carriers didn’t. It offers simplified issue term and whole life products distributed through independent agents, generally with a reputation for accessible underwriting on smaller to moderate face amounts.
Gerber Life is widely recognized by name, largely due to its association with the Gerber baby-food brand, and is generally known for direct-to-consumer marketing of smaller face amount whole life and term products, including juvenile and final-expense-oriented coverage, alongside guaranteed issue options for a range of ages.
American Amicable is a Texas-based insurer distributed primarily through independent brokers, generally known for a broad simplified issue and final expense lineup with several rate tiers designed to accommodate a range of health histories, from healthier applicants down to those with more significant conditions.
Transamerica is a large, well-established carrier with a broad product shelf spanning term, whole life, and simplified issue offerings, distributed through both career agents and independent brokers. It’s generally known as a mainstream, widely available option that many brokers include in comparisons alongside more final-expense-focused specialists.
These six names are a starting point, not an exhaustive list — the simplified issue market includes many other carriers, and which ones actually offer the most competitive terms for a given Los Angeles applicant depends on age, health history, and coverage amount in ways that shift from one questionnaire to the next. Ratings, product menus, pricing, and underwriting guidelines all vary by carrier and change over time, so general reputation alone isn’t a reliable substitute for comparing current, personalized options. That comparison is exactly the role an independent broker plays — reviewing live quotes across multiple carriers rather than relying on brand familiarity alone.
How an Independent Broker Helps Los Angeles Residents Decide
Because simplified issue underwriting rules, pricing, and coverage caps vary so much by carrier, the value of working with an independent broker rather than applying directly to a single insurer is significant in a market as large and varied as Los Angeles. Joseph Antonucci, a licensed California insurance producer with We Find Your Insurance, works with residents across Los Angeles County — from Downtown LA and Hollywood to Westwood, Venice, and neighboring communities like Beverly Hills, Santa Monica, Glendale, and Pasadena — to compare simplified issue options across multiple carriers rather than steering toward just one company’s product.
That comparison matters because the “best” simplified issue policy genuinely depends on the individual: age, health history, desired coverage amount, and how quickly coverage needs to be in place all shift which carrier offers the best combination of price and approval odds. An independent broker isn’t tied to a single insurer’s underwriting guidelines, so the recommendation is based on what actually fits rather than what one company happens to sell. For Los Angeles residents who aren’t sure whether simplified issue, guaranteed issue, or fully underwritten coverage is the right starting point, that kind of side-by-side comparison — done once, across several carriers, rather than through separate applications — is usually the fastest way to a confident decision.
This same comparison approach applies across nearby Southern California markets. Residents evaluating options in Anaheim, Irvine, or Newport Beach face many of the same underwriting trade-offs described here, and the carrier landscape often overlaps significantly with what’s available to Los Angeles applicants.
For a broader look at life insurance options across the city beyond simplified issue specifically, the Los Angeles life insurance guide covers term, whole life, and underwriting paths in more depth, and the Los Angeles city hub has additional local resources and articles.
Frequently Asked Questions
What is simplified issue life insurance?
Simplified issue life insurance is a type of policy underwritten using a short health questionnaire instead of a medical exam. Applicants answer a set of yes/no and short-answer questions about their health history, and the carrier makes a decision — often within days — without requiring blood work, urine samples, or an in-person exam.
Is simplified issue life insurance more expensive than fully underwritten policies?
Usually, yes, for healthy applicants. Fully underwritten policies use detailed exam and lab data to price risk precisely, which typically results in lower premiums for applicants who qualify for top health rate classes. Simplified issue trades some of that pricing precision for speed and convenience, so it often costs somewhat more — though the gap can narrow for applicants with minor health factors or for older applicants.
How fast is approval for simplified issue life insurance in Los Angeles?
Many simplified issue applications are decided within a few business days, and some carriers return same-day decisions for straightforward cases. This is significantly faster than fully underwritten policies, which often take several weeks once exam scheduling, lab processing, and records review are factored in.
Do I need a medical exam for simplified issue life insurance?
No. That’s the defining feature of simplified issue underwriting — there is no paramedical exam, blood draw, or urine sample required. Instead, carriers rely on a health questionnaire plus database checks against sources like the Medical Information Bureau and prescription history records.
How much coverage can I get with simplified issue life insurance?
Coverage amounts for simplified issue policies are generally lower than what’s available through fully underwritten policies but higher than typical guaranteed issue policies. Exact limits vary by carrier, so applicants in Los Angeles who need higher coverage amounts, particularly to cover a mortgage or replace income, should compare multiple carriers to see which offers the coverage amount they actually need.
What health conditions can disqualify someone from simplified issue life insurance?
This varies significantly by carrier, which is part of why comparing more than one company matters. Generally, recent serious diagnoses, certain chronic conditions that aren’t well-controlled, or recent hospitalizations are more likely to result in a decline or a higher rate class. A broker who works with multiple carriers can often identify which company is more likely to approve a specific health history before you apply.
Is simplified issue life insurance the same as guaranteed issue life insurance?
No. Guaranteed issue life insurance asks no health questions at all and guarantees acceptance, but it’s priced higher per dollar of coverage and typically caps out at lower face amounts. Simplified issue asks a short set of health questions and isn’t guaranteed acceptance, but it generally costs less than guaranteed issue and offers moderate coverage amounts.
Who should consider simplified issue life insurance in Los Angeles instead of a fully underwritten policy?
Applicants who need coverage in place quickly — for a mortgage closing, business requirement, or peace of mind — and who would rather skip the exam scheduling process are often good candidates. It also tends to work well for applicants whose health history wouldn’t qualify for a fully underwritten policy’s best rate class anyway, since the pricing gap narrows in those cases.
What happens if I’m declined for simplified issue life insurance?
A decline on one carrier’s simplified issue questionnaire doesn’t necessarily mean a decline everywhere, since carriers weigh the same health answers differently and use their own point-based scoring systems. Common next steps include reapplying with a different simplified issue carrier whose underwriting guidelines may treat the specific health factor more favorably, or considering a graded benefit or guaranteed issue policy as a fallback option. Comparing carriers through a broker before applying can often identify a better-fit carrier in advance, reducing the chances of a decline — and the resulting record of it — in the first place.
Can I get simplified issue whole life insurance, or is it only available as term?
Both are available. Simplified issue term policies are generally the lower-cost entry point for a set period, while simplified issue whole life policies cost more per dollar of coverage but build cash value and stay level for life. Simplified issue whole life is especially common in the final expense and smaller face amount market, where applicants want a policy that won’t need to be renewed or replaced later, though face amount caps for whole life tend to run lower than for simplified issue term.
What is a graded death benefit, and does simplified issue life insurance have one?
A graded death benefit means that if the insured dies from natural causes during an initial period — often two to three years — the policy pays only a return of premiums paid, sometimes with modest interest, rather than the full face amount. Accidental death is commonly still covered at the full benefit during this period. Not every simplified issue policy is graded; healthier applicants are often offered a level benefit policy that pays the full death benefit from day one, while a graded structure is more commonly offered to applicants with a higher-risk health profile who would otherwise be declined.
Choosing between simplified issue, guaranteed issue, and fully underwritten life insurance depends on your health history, timeline, and coverage needs — and the right answer isn’t the same for every Los Angeles household. We Find Your Insurance offers a free, no-obligation quote comparison across multiple carriers, so you can see real options side by side before deciding. Reach out today to compare simplified issue life insurance rates and find the coverage that actually fits your situation.