WHAT IT IS
Two ways to skip the exam
Simplified issue
No medical exam, but you answer health questions on the application. The carrier may also review prescription and medical records before approving coverage.
Guaranteed issue
Acceptance without health questions within the eligible age range. Coverage amounts are usually smaller, and a waiting period often applies before the full benefit is paid.
WHO IT'S FOR
Is no-exam coverage right for you?
Eligibility depends on your age, health, state of residence and the carrier's underwriting.
People who want coverage quickly
Applications are typically faster because there's no exam to schedule.
People who prefer to skip exams
No needles, lab work or doctor's visits as part of the application.
People with health conditions
Guaranteed issue can be an option when other policies are hard to qualify for.
THE DETAILS
Benefits and limitations
Good coverage decisions start with the full picture.
Benefits
✓ No blood test, medical exam or doctor's visit
✓ A faster, simpler application process
✓ Guaranteed issue accepts applicants regardless of health, within age limits
Limitations
– Premiums are usually higher than fully underwritten policies
– Coverage amounts are often lower
– Guaranteed issue policies commonly have a waiting period, often two to three years, before the full death benefit is paid for non-accidental death
Life Saver Credit is not an insurance company and does not issue policies. Coverage is provided by licensed insurance carriers and offered through licensed agents. Availability, eligibility and rates vary by state, age and health. Quotes are not guaranteed until the carrier approves your application.