Easy issue whole life insurance is a way to get lifetime life insurance protection without the hassles of having to go through a physical examination.
With easy-issue plans you don't have to take a medical exam, or give blood or urine to be tested by a lab.
In fact, some insurers offer guaranteed approval whole life policies which means no exam, no health questions asked, and you cannot be turned down due to any pre-existing health condition.
However, with guaranteed issue policies you have to meet the age requirements, live in a state in which the insurer is licensed to do business and offers the plan, and the death benefits are graded (limited) the first 2 years you are insured.
That's how the insurer can guarantee your approval for coverage.
