Life insurance is an essential safety net; however, conventional policies frequently necessitate lengthy waiting periods, medical examinations, and extensive documentation. **Simplified life insurance** is an appealing alternative for numerous individuals in the United States and Canada, as it offers reliable coverage without the complications of medical examinations or intricate procedures.
A health questionnaire is employed in place of medical examinations in simplified life insurance, which enables applicants to obtain coverage more quickly and easily. This renders it an ideal option for individuals who are occupied, seniors, or anyone who values a simplified application process.
In 2025, the **top five simplified life insurance options** that are available in the United States and Canada are as follows.
1. Bestow (United States)
Bestow provides term life insurance policies that are entirely digital and simplified, and the majority of applicants are not required to undergo a medical examination. The online application is completed in a matter of minutes, and in numerous instances, decisions are rendered immediately.
** Coverage: \$50,000 to \$1.5 million ** Term options: 10 to 30 years ** Age range: 18 to 60 ** Underwritten by North American Company for Life and Health Insurance
Bestow is a top choice for simplified life insurance in the United States due to its user-friendly platform and rapid approval process.
2. Manulife Simplified Life (Canada)
A leading Canadian insurer, Manulife provides simplified life insurance policies that offer coverage within days and do not necessitate a medical exam.
* Coverage: Up to \$500,000 * Term lengths: Flexible terms are available * Age range: Typically 18 to 75 * Application involves a health questionnaire
Manulife’s simplified life insurance products are highly trusted in Canada due to their financial strength and robust presence.
3. Ethos Life (United States)
Ethos offers term and whole life insurance with simplified underwriting, which eliminates the need for medical evaluations for the majority of applicants. Their application procedure is entirely online and expedited.
* Age range: 20 to 85 * Coverage: \$20,000 to \$2 million * Collaborates with Legal & General, Ameritas, and other organizations
Ethos is a favored simplified insurance provider in the United States due to its quickness and adaptability.
4. Canada Protection Plan (Canada)
Canada Protection Plan specializes in simplified issue life insurance that is competitively priced and does not require medical examinations for Canadian residents.
* Coverage: \$10,000 to \$500,000 * Life insurance options, including term and permanent
* Ages: 18 to 75 (contingent upon product)
They are a top choice in Canadian simplified life insurance due to their emphasis on fast decisions and straightforward underwriting.
5. Fidelity Life (Canada and the United States)
Fidelity Life provides simplified life insurance policies for both markets, which include RAPIDecision underwriting for rapid approvals without medical examinations.
* Coverage: \$25,000 to \$1 million * Policies include term, whole, and final expense
* Eligibility for age: In numerous instances, individuals may be eligible for age eligibility up
Fidelity Life is recognized for its ability to provide straightforward, dependable coverage to older applicants and those with moderate health concerns.
Why Opt for Simplified Life Insurance?
Simplified life insurance is the optimal choice for those who desire:
* A streamlined, primarily digital application * Coverage for minor health issues or age-related concerns * Fast approval without medical exams * Peace of mind without invasive testing
Although premiums may be slightly higher than those of fully underwritten policies, numerous individuals consider the convenience, speed, and accessibility to be invaluable.
Concluding thoughts
Simplified life insurance provides a practical solution to safeguarding your family without the conventional obstacles of medical examinations and protracted procedures, regardless of whether you reside in the United States or Canada. Trusted leaders in 2025, the aforementioned companies—Bestow, Manulife, Ethos, Canada Protection Plan, and Fidelity Life—provide straightforward and dependable coverage options.
Investigate these providers to identify a policy that is suitable for your requirements and to experience rapid, effortless protection that provides you with assurance for the future.