For many people, the thought of being stuck in the arm with a needle to be underwritten for life insurance coverage is a deal breaker. Simplified issue guaranteed term life insurance is a solution. This product can be issued quickly after the insured answers a few medical questions, and the insurance company runs a report through the Medical Information Bureau to confirm the answers. Many times, this product requires a little higher premium than a fully underwritten term life insurance policy, but because of its lack of needle poking requirements, it puts important term life insurance coverage in place for people who need it but have been hesitant because they hate needles.