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Hassle-free life insurance

Some insurers require a medical exam before approving a policy if you have an underlying health condition or work in a high-risk occupation. The results of the medical exam are used to determine your premium, which may result in a higher premium if the results indicate this.

Halo offers alternatives for candidates considered high risk. Halo policies simplified issuance and guaranteed issue are two popular options. Depending on the answers to your medical questions, you may qualify for a simplified issue policy. Others may be offered a guaranteed issue policy with coverage up to $$30,000.

Halo candidates do not need a medical exam

After you answer a few health questions and submit your application, it will be reviewed to determine if it can be approved quickly. Depending on your situation, you may be asked to answer some additional medical questions.