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finder.com's rating: 3.5 / 5
★★★★★
18 to 80
Issue Age
$25,000 to $10,000,000
Coverage
Depends on provider and policy
Medical Exam Required
Policies | Term life insurance |
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Coverage maximum | $10,000,000 |
Term lengths | 10, 15, 20, 25, 30, and Lifetime |
Medical exam required | Depends on provider and policy |
Available states | All 50 states |
Issue age | 18 - 80 years old |
Riders |
Accelerated death benefit rider Child rider Return-of-premium rider Spouse rider Waiver-of-premium rider |
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Review by
Rhys Subitch is a writer and editor at Finder who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.
With more than 40 carriers in its stable, Simplified Life can help you compare simplified issue term life insurance quotes from multiple insurers.
But there’s no guarantee you’ll find what you’re looking for. To find the best fit you’re eligible for, compare life insurance options before settling on a policy.
You’ll find different criteria for acceptance with each carrier. Weight, major traffic violations or criminal convictions may be weighed more or less severely, depending on the insurer.
General qualities used to assess your risk profile across the board include:
Click Get free quote at the top of the Simplified Life homepage and complete the form with:
After you submit the quote form, you’re taken to a rate comparison table based on the information you provided. You can also check different coverage amounts and terms with this table.
Take these five steps to apply for a policy using Simplified Life:
You can also sign up and apply over the phone with a licensed agent at 866-638-9356.
Instead of providing insurance directly, Simplified Life allows you to submit one form to see policy options that match your needs from several different carriers. But options are limited to simplified issue term life policies.
You could potentially add any number of riders, because Simplified matches your needs to policies through third-party insurers. Simplified Life’s network of more than 40 carriers includes AIG, Assurity, Mutual of Omaha, Principal, Protective and Transamerica.
Some of the riders offered by partner companies include:
As of February 2019, the Better Business Bureau (BBB) shows no complaints or reviews for Simplified Life. Even so, the BBB gives it an A rating on the basis of its time in business — though it hasn’t accredited Simplified Life.
AM Best financial rating |
Not Rated |
BBB accredited | Yes |
BBB rating | A+ |
Customer reviews verified as of | 25 January 2021 |
Personal information is protected by Secure Sockets Layers protocol, which encrypts your data. The website is also protected by the online security provider SiteLock.
Simplified Life was established in 2016 as a way to compare and apply for simplified issue term life insurance only. It’s part of a bigger digital brokerage general agency out of Austin, Texas, that supports independent life insurance agents through a telesales platform online.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.