Graded Benefit Whole Life

• Insurance issue ages 40 through 80 (some states may vary)
• Premiums payable to age 100
• Amounts $1,000 through $50,000
• Guaranteed Issue Underwriting
• Graded Death Benefit
  • Policies issued between age 40 and 64  - Benefits payable during the first 3 policy years except when death results from accidental causes, are limited to premiums paid plus 5 % compounded annually
  • Policies issued at age 65 or older - Benefits payable during the first two policy years, except when death results from accidental causes, are limited to premiums paid plus 5% compounded annually.

Not Available in - AR, KS, MN, NH, and WA