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Quick-Issue Life Insurance (Almost Guaranteed Acceptance)

Quick issue life insurance is often known by an alternative name, Simplified Issue Life Insurance. For plans in this category, a limited number of health questions are asked. Also, the look-back may have a time limit to a question such as: "have you been treated for cancer in the last 12 months?" If you are able to answer "no" to all the questions, the quick-issue policy is be available to you.

Who may qualify? Here are some examples:

Past alcohol or drug use **
Individuals receiving SSI or disabilty payments
Smokers who want non-smoker premiums
No medical examination wanted (no blood draw, urine, etc.)
Applicants with hazardous occupations or avocations
Past histories of cancer or heart disease **
** No history of current treatment (see Personalized Quote) **

For Quick-Issue, insurance companies typically phone you to confirm your application responses. If you qualify, the insurance can go into effect quickly often within in 7-10 days. Alternatively, if you do not qualify for Quick-Issue life insurance, ChoiceQuote will show you the Guaranteed Acceptance plans (no health questions asked) available to you. Note: Quick issue life insurance is not available in all states and there are minimum age requirements. You can find plans that are available to you by completing a Personalized Quote.