Simplified Life Insurance

Experiencing Rapid Growth in an Expanding Market

Simplified products were first aimed at the seniors and the hard-to-insure market, many of whom had health issues and couldn’t get traditional coverage. Now these products are covering both ends of the spectrum, attracting the brisk, on-demand, millennials and those that are healthy, but find the underwriting arduous, or don’t want to have a medical. In many cases, rates for the Simplified Insurance plans are comparable to underwritten plans especially if someone has a larger build, or takes a combination of medications, i.e. for hypertension/diabetes. These cases are typically ‘rated’ with a higher premium with underwritten products, so a Simplified Plan is often a better choice, as it could save you from facing a substandard rating, postponement, or decline.

So whether you are 18 or 80, are hard to insure or in good health, I have a plan that’s right for you. For more information on Simplified Issue and other life insurance products, contact me for a free no-obligation quote.

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