Skip the needles and the nurse visit. Healthy applicants can often get approved for large term policies in minutes, using data checks instead of blood work.
Carriers review prescription history, MIB, driving and credit-based data to approve healthy applicants instantly.
Answer health questions instead of taking an exam. Slightly higher cost, but easier approval.
No health questions at all. Smaller amounts, and usually a two-year waiting period.
For healthy applicants approved through accelerated underwriting, prices are usually identical to fully underwritten policies. Simplified-issue and guaranteed-issue plans cost more because the carrier takes on more unknown risk.
Depending on age and carrier, accelerated underwriting can approve up to $1M–$3M. Guaranteed-issue plans are usually capped at $25,000–$50,000.
Not always. If data checks raise questions, the carrier may ask for an exam or medical records. We match you with carriers most likely to approve you without one.
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