• Cancer
  • Heart Failure
  • Stroke
  • High Blood Pressure
  • High Cholesterol
  • Angina
  • Bypass Surgery
  • Kidney Disease
  • HIV or AIDS
  • Liver Disease
  • Obesity
  • Alcohol or Drug Abuse
  • Bipolar Depression
  • Multiple Sclerosis
  • Insulin Treated Diabetes
  • Alzheimer's
  • Dementia
  • Suicide Attempts
  • Hepatitis B or C
  • And many more
  • You are hard to insure due to your health or age.
  • You have been previously turned down for life insurance coverage.
  • You have been declined recently for any insurance requiring medical examination.
  • You want to get final expenses coverage without undergoing a medical examination.
  • You will not qualify for traditional life insurance due to your poor medical history.
  • You are uncomfortable with needles and do not want to go through medical exams.
  • You have a family history of high blood pressure, high cholesterol or diabetes.
  • You have been convicted of impaired driving in the past.
  • You want fast and immediate coverage.
  • You have a dangerous occupation.
  • You have a dangerous hobby.
  • You are on disability.
  • You are a smoker.
  • You are overweight.
STANDARD LIFE INSURANCE SIMPLIFIED LIFE INSURANCE GARNDTED LIFE INSURANCE
Non-Medical
No
Yes
Yes
Faster Application Process
No
Yes
Yes
Medical Exams​
Yes
No
No
Medical Questionnaire
Yes
Yes
No
Waiting Period
No
Depends
Yes
Anyone Can Qualify
No
No
Yes
Coverage
Up to $20,000,000
Up to $50,0000
Up to $50,000
Premiums
Least Expensive
Less Expensive than Guaranteed Life
Most Expensive
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