Simplified Issue Whole Life Insurance provides permanent Life Insurance protection with a simple application process, basic health questions, and no medical exam for many applicants. It is designed for individuals who want lifelong coverage without complicated underwriting.
We work with established U.S. insurance carriers to provide a range of policy options and underwriting approaches.
Fast, accessible lifelong protection designed for easier approval and long-term financial security.
At Hexis Legacy Group, we understand that not everyone wants a lengthy underwriting process or medical exam to secure permanent life insurance coverage. Simplified Issue Whole Life Insurance is a type of permanent coverage that lasts for your entire life—as long as premiums are paid—while offering a quicker and more streamlined approval process.
Instead of requiring a full medical exam, approval is typically based on a short health questionnaire. This makes the application process faster and more accessible for individuals who prefer a simpler path to permanent coverage.
The primary purpose of Simplified Issue Whole Life Insurance is to provide permanent protection for individuals who may not want or qualify for traditional underwriting. In addition to lifelong coverage, many policies may also build cash value over time, adding an extra layer of financial flexibility.
As an independent insurance agency, Hexis Legacy Group works with multiple trusted carriers, allowing you to compare options and find a simplified issue whole life policy that aligns with your health profile, financial goals, and long-term needs.
We provide a range of life insurance options designed to meet different needs — from affordable short-term protection to simplified permanent coverage for final expenses and legacy planning.
Affordable coverage for a set period of time, designed to provide financial protection during your most important years — such as raising a family or paying off a mortgage.
Learn More Final ExpenseA whole life policy designed to help cover end-of-life expenses such as funeral costs, medical bills, and other final obligations.
Learn More SIWL · No ExamA permanent life insurance policy with simplified underwriting based on basic health questions rather than a full medical exam.
Learn More GIWL · GuaranteedA whole life insurance option that guarantees approval regardless of health history, typically used for final expense planning and legacy protection.
Learn MoreSecure permanent Life Insurance through a simplified approval process designed to make protection fast, easy, and accessible.
Get Covered NowProvides lifelong financial protection with simplified approval and reduced underwriting requirements.
Typically 18 to 80+, depending on carrier.
Basic health questions required. No physical testing or labs typically needed.
Not required for most policies.
Simplified issue underwriting.
Simplified · Minutes – Days depending on carrier review.
Individuals seeking permanent Life Insurance with simplified approval and minimal underwriting requirements.
It's more than a policy — it's accessible, permanent protection built around simpler underwriting so coverage is easier to obtain and easier to keep for life.
We assist clients nationwide and provide guidance tailored to state-specific availability and regulations.
Don't see your state? Contact us — we add new state availability regularly and may have updated coverage options for your area.
Simplified Issue Whole Life Insurance gives you lifelong protection without complicated underwriting.
Get Started TodayHexis Legacy Group is a licensed independent insurance agency. Our license credentials are listed in the header above for verification.
Coverage availability varies by state. Rates and eligibility are subject to underwriting approval. Not all applicants will qualify. All products are offered as part of a solicitation for insurance. Some policies may include graded benefits or waiting periods.
TCPA consent is required for phone and SMS communication. This website is not affiliated with any government program including Medicare, Medicaid, or Social Security.
For questions about coverage availability in your state, please contact a licensed agent. All policies are issued by participating insurance carriers and subject to their terms and conditions.
