All Posts By Bennett Bier

I’m Bennett Bier, owner, author and fact checker of Simple Life Insure. I believe working with a small independent broker offers consumers more personal attention and superior customer service. As an independent agent licensed in all 50 states and the District of Columbia I have access to many of the top A+ rated life insurance carriers. This lets me locate a plan that you will qualify for while saving you money at the same time. Over the years I have mastered the art of underwriting, getting approvals even for my highest risk clients. I’m also likely the person that will answer the phone when you call.

11 Reasons to Consider a No Exam Life Insurance Policy

You don’t need ALL of the below to apply to you. But if ANY of these 11 situations sound familiar, you will want to at least consider a no medical exam life insurance policy....

The 4 Types of No Exam Life Insurance Policies

There are 4 main types of life insurance policies that fall under the “no exam” umbrella. None of them require a medical exam. However, they are very different from each other and each type fills a specific need....

No Exam Life Insurance Underwriting Process

Your application for life insurance will consist of specific questions about your medical history and sometimes that of your family. Since these policies do not rely on the results of a paramedical examination, expect the....

Exam vs No Exam Life Insurance: A True Cost Comparison

Yes, most people will pay a little more for the convenience of skipping the medical exam. But I have some good news. It’s not nearly as much as you think if you apply at the right company....

How Glaucoma Affects Life Insurance Rates

Taking the first step to finding life insurance when you have any medical issue can be scary. But it doesn't have to be: It is possible to find good (and affordable) life insurance even if you suffer from glaucoma. We'll show you how. After this article, you’ll know exactly...

Finding Life Insurance After Bariatric Surgery

You can get approved for life insurance after a weight loss surgery such as gastric bypass. Complications will need to be minimal and typically a period of at least 6 months (often 12) must have passed. Expect to pay more than standard rates as the insurance underwriting model does view this as a risk and...

Life Insurance Approval with a Felony Conviction (Yes, it can be done)

Yes, most life insurers are going to ask about a felony conviction if you are applying for a traditional fully underwritten insurance policy. It seems logical that if a life insurer is going to check your driving record, they will most certainly check for felony convictions. It’s all part of the underwriting process that determines whether...

Life Insurance Approval with Kidney Disease

I think you'll agree that finding affordable life insurance with a health condition like kidney disease can be tough. But it doesn't have to be...Advancements in underwriting and risk assessment have come a long ways. Certain insurance companies are willing to offer life insurance (with fair rates) to many people they used to turn away.

Life Insurance with Pancreatitis

Fortunately, for Americans with health issues, many life insurers are now willing to take a chance on people with diseases like pancreatitis. First things first, you should become educated about your disease and understand how underwriters will view it.

Life Insurance with Lupus

You have probably heard that it's hard to find life insurance if you have Lupus. Is that true? Sort of....The truth is, finding affordable life insurance with any health condition can be challenge if you don't know what to do. If you have good resources (and expert help) then you're in good shape....

Life Insurance with Ulcers

The underwriter will also want information concerning when you were diagnosed, what medications you are taking, if you have any gastrointestinal bleeding, and whether your ulcer is healing, staying the same, or ....

Transamerica No Medical Exam Insurance

Transamerica is a very strong company that is well known. Price is middle of the pack compared to other no exam options. Nice included benefits and will look favorably on certain medical conditions. Not a company we...