• Graded Benefit

    Covering All Health Conditions.

    Our Graded Benefit option is for clients with any health status who do not want to pay all at once and are willing to take a temporarily reduced benefit, do not want to pay one lump sum, and are willing to take a temporarily reduced benefit.

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    What it does.

    Our Graded Benefit product pays the full face amount of the policy after 2 years and 1 day of making payments. Works as a savings account for 24 months. After that time, the full face amount of the policy is paid out.

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    See The Advantages.

    The benefit will always be more than the premiums paid.

    2 years + 1 Day = Full Death Benefit
    Months 13 - 24 = 75% of Death Benefit
    Months 7 - 12 = 35% of Death Benefit
    Months 1 - 6 = Return of Premium +10%*

    *May vary by state

    Download Our Brochure
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    Guaranteed Issue.

    Issue Ages...............0-85
    Minimum..............$1,000
    Maximum...........$10,000*
    Payment Periods: 5, 7, or 10 year

    *Varies by state