Quality Life Insurance Policies

Excellent Benefits and Simple Application Procedure

In this day and age when consumers prefer to purchase quality life insurance policies that offer a quick and convenient application procedure, simplified issue life insurance products can be a great addition to your insurance portfolio. The simplified issue life insurance plans available at United Agencies, Inc. in Cape Canaveral, FL not only come with outstanding features and benefits, but also a convenient and stress-free enrollment process! Learn more about our life insurance products today.

Why Choose Our Simplified Issue Life Insurance Products?

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10, 15, 20, 25 and 30 -Year Terms Available Through Multiple Companies
Accelerated Critical Illness Benefits Available at 25%, 50%, and 100%
Accidental Death Benefits and Children’s Term Available
Banded for Better Rates at Higher Face Amounts
Competitive Rates
Disability Income Rider

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Issued for Consumers Age 18 to 70 Based on Length of Term
Minimum Face: $25,000 a Month
Return of Premium Benefits Available
Simple Application with No Paramedical Exam/Blood Work
Simplified Issue up to $300,000

Other Insurance Plans Available

Critical Illness Plans
Guaranteed Issue Whole Life Insurance
Senior Insurance
Single Premium Whole Life Insurance
Universal Life Insurance

Simplified Issue Products

What Is a Simplified Issue Product?

Simplified Issue is a regular policy without the heavy underwriting. This does not mean that the policy is an impaired risk plan, but simply one that generally will not need an attending physician statement, blood study, or weeks to get to issue. Issues on these policies are usually decided within the week.

How does it work?

Just like a regular plan, it is underwritten while checking prescriptions the potential insured is taking. Depending on the age, the insured may need to conduct a telephone interview. The cases are a pass/fail table 4 (standard issue) plan – no needles, no paramed visits, and rarely needs an attending physician statement.

We have Simplified Issue terms and Simplified Issue universal life plans.

Why a Simplified Issue plan?

Many people don’t like needles. They don’t like an extensive visit from a paramedical examiner to take weight, blood pressure, blood tests, and other pokes and prods of that nature. Other people want the insurance now, not after two to six weeks of underwriting. Simplified issue is usually issued in two to three business days, although in some cases it may take longer.

Be mindful that this is Simplified Issue, not impaired risk nor guaranteed issue.

Where’s the sizzle?

Simplified Issue term carries with it several riders such as critical illness and monthly disability income that will help close gaps in coverage. We also carry a simplified issue term plan with a return-of-premium benefit that will return 75% of premiums paid into the plan at the end of the term.

Complete Your Insurance Portfolio Today

Attract consumers with low-cost, all-inclusive life insurance options that require no paramedical exam, blood work, table ratings, and excessive underwriting! Complete your portfolio with simplified issue life insurance products from United Agencies, Inc. Call us today to learn more about our products. If you need plans specifically designed for mortgage protection, we have you covered.