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Every condition page follows the same shape: what underwriters ask, which numbers move the decision, and where the rate class usually lands.

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Policies that skip the medical exam

Accelerated underwritingFull term cover, no exam, best ratesSimplified issueHealth questions only, decision in days

Guaranteed issueNo health questions, graded benefitFinal expenseSmall whole life for burial costs

Group conversionKeep employer cover after leavingTerm vs whole lifeWhich one your situation calls for

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Common mix-up

Guaranteed issue and simplified issue are not the same product. One asks nothing and pays nothing for two years; the other asks questions and pays from day one.

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Home/Category: Military

Category: Military

Military

24 Aug 2026

Military and veteran life insurance: what SGLI covers and where it stops

SGLI pays up to $500,000 for $25 a month, and it ends 120 days after you separate. What the military gives you, what it does not, and how the conversion…

When a carrier changes its manual, we rewrite the page

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Independent research on how life insurance underwriters treat health conditions. We publish what the manuals say, so you can apply where you'll actually be approved.

Reasons

Diabetes
Heart and stroke
Cancer history
COPD and respiratory
HIV
Declined before

Products

Accelerated underwriting
Simplified issue
Guaranteed issue
Final expense
Carrier profiles
Rate tables

No Exam Life Insurance Online is a publisher, not an insurance carrier or agency. Nothing on this site is an offer of insurance, a solicitation, or a recommendation to buy a specific policy. Rate classes, coverage ceilings and approval outcomes vary by carrier, by state, and by individual file.

Underwriting details are drawn from carriers' published guides and state filings, and are current as of the review date shown on each page. Guides change without notice. Confirm anything that matters with an agent licensed in your state before you apply.