Simplified Issue Life Insurance: Most life insurance requires a medical exam and interaction with a life insurance Agent in order to complete the long purchase process that in many cases can take up to 8 weeks. With Simplified Issue, the process can be reduced to minutes. Liberty Direct offers consumers an online way to purchase Simplified Issue insurance coverage. It is a very fast and simple process for obtaining a policy online with no medical exam and just a few specific health questions. Coverage can be obtained within a few minutes to $250,000 for a term of 10 or 20 years depending upon the age of the applicant. Simplified Issue Life Insurance is appropriate for those that want coverage without a long wait and who are generally in good health.