Simplified Issue, Simplified Growth: Strategic Selling Starts Here
October 30, 2025 11:00:11 AM
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Simplified Issue Life Insurance for Agents – Faster Sales, Stronger Client Trust
Simplified Issue life insurance isn’t here to replace traditional underwriting; it’s designed to help agents serve more clients, close business faster, and still deliver reliable, reputable coverage.
At Final Expense Brokerage (FEB), we believe simplified issue products are a core growth tool for today’s life agents. They remove the barriers that slow down sales, allowing you to quote, apply, and deliver coverage in a single conversation.
Why Simplified Issue Life Insurance Matters in 2025
Today’s clients expect quick, digital experiences — and Simplified Issue (SI) products meet that demand.
With no exams, instant decisions, and paperless applications, agents can help more people get protected faster while still maintaining quality coverage from respected carriers.
For clients with common health conditions or those who might otherwise face underwriting delays, Simplified Issue products help you say “no” less often.
Top Simplified Issue Carriers for Life and Final Expense Agents
At Final Expense Brokerage, agents gain direct access to top Simplified Issue carriers — all through one brokerage relationship (while still maintaining a non-captive status!).
Transamerica – Final Expense Express Solutions
Issue Ages: 18–85
Face Amounts: $5,000–$50,000 (Ages 18–75) | $25,000 (Ages 76–85)
Underwriting: Simplified & Graded
E-App: Available
Why Agents Choose It:
Transamerica’s FE Express offers 100% instant decisions, electronic policy delivery in as fast as 10 minutes, and even includes a concierge funeral planning benefit. It’s ideal for agents who value speed, client confidence, and one of the highest commission structures in the market (110–125%).
American Amicable – Senior Choice
Issue Ages: 0–85
Face Amounts: $2,500–$50,000 (Ages 50–75) | $25,000 (Ages 76–85)
Underwriting: Immediate, Graded, and Return of Premium Plans
Signature Options: E-signature, Email, Voice, or Wet
E-App: Instant underwriting decision
Why Agents Choose It:
The Senior Choice product offers daily commission advancing, two no-cost riders, and instant decision feedback.
It’s one of the most agent-friendly and flexible options in the market — ideal for telesales and same-day close opportunities.
Commissions range 110–125%, with top-tier support through FEB.
Liberty Bankers Life – Life SIMPL
Issue Ages: Simplified 18–80 | Modified 40–80
Face Amounts: $3,000–$40,000
Underwriting: Simplified and Modified WL Plan
E-App: Available
Why Agents Choose It:
Liberty Bankers Life offers aggressive commissions (110–115%), instant underwriting, and a simple client signature process that removes the need for voice verification. It’s a great option for agents who want quick, no-hassle policy delivery and reliable final expense coverage.
CICA Life – Choice Standard
Issue Ages: 0–85 (Age last birthday)
Face Amounts:
Ages 0–50: $1,000–$30,000
Ages 51–70: $1,000–$20,000
Ages 71–85: $1,000–$10,000
Underwriting: Simplified
E-App: Available
Why Agents Choose It:
CICA’s Choice Standard eliminates many of the common underwriting roadblocks — no height or weight chart, no tobacco question, and no MIB.
It’s an ideal solution for clients often declined elsewhere, offering consistent approvals and commissions in the 105–110% range.
FEB Insight: Timing is Everything
Just like working leads, timing matters in Simplified Issue sales.
The moment a client shows interest, speed and confidence can make all the difference.
Agents who submit applications immediately often see higher placement rates, stronger persistency, and greater client satisfaction.
Simplified Issue isn’t about shortcuts — it’s about meeting clients where they are and keeping sales momentum moving forward.
Agent Tip: Simplify the Close
Think of Simplified Issue as your same-day close tool.
When you can quote, apply, and deliver coverage in one conversation, you not only increase your close ratio — you earn your client’s trust on the spot.
Ready to Simplify Your Sales Process?
At Final Expense Brokerage, we make Simplified Issue selling simple — and profitable.
Join hundreds of agents nationwide who are growing their business with instant decision products, competitive commissions, and personalized support.