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No-Exam vs Traditional Comparator

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Edad Coverage need ($) Health status Urgency

Attribute	Traditional	Accelerated	Simplified	Guaranteed
Coverage max	$50M+	$3M	$500K-2M	$50K
Medical exam	YES	NO	NO	NO
Health questions	Extensive	Some	10-25	NONE
Speed	30-60d	5-15d	7-21d	3-10d
Graded DB	NO	NO	NO	YES (2-3y)
Best age	18-80	18-50	18-70	50-85
Premium markup	Baseline	Same	+15-40%	+200-400%