Perfect for people with health conditions who need coverage but don't qualify for immediate full benefits. Get approved with minimal health questions.
A smart solution for people with health conditions who need coverage
Graded benefit plans provide partial coverage for the first two years, then full coverage thereafter. This allows people with health conditions to get approved when they might not qualify for immediate full coverage.
Graded benefit plans are designed for people who have health conditions but still want life insurance protection for their families.
Understanding how your benefits grow over time
30% Coverage
If death occurs due to natural causes, beneficiaries receive 30% of the death benefit plus return of premiums paid.
100% Accident Coverage: Full death benefit paid for accidental death from day one.
70% Coverage
Coverage increases to 70% of the death benefit for natural death, plus return of premiums paid.
Continued: Full accident coverage remains in effect.
100% Coverage
Full death benefit is paid regardless of cause of death (subject to policy terms and exclusions).
Complete Protection: Your family receives the full coverage amount you selected.
Why graded benefit might be the right choice for you
Only 2-5 simple health questions. Much easier to qualify than level benefit plans.
Full accidental death coverage begins immediately on day one of your policy.
Lower cost than guaranteed acceptance plans while still providing good coverage.
Builds cash value over time that you can borrow against if needed.
If you pass away during the graded period, premiums paid are returned in addition to the benefit.
No doctor visits, blood tests, or medical exams required for approval.
Graded benefit plans are designed for people with these conditions
Both insulin-dependent and non-insulin dependent diabetes typically qualify for graded benefit coverage.
History of heart attack, bypass surgery, or other cardiac conditions may qualify after waiting periods.
Chronic breathing conditions including COPD, emphysema, and chronic bronchitis.
Controlled or uncontrolled hypertension typically qualifies for graded benefit plans.
Various stages of kidney disease, including some dialysis patients, may qualify.
Cancer survivors may qualify depending on type, stage, and time since treatment.
Get your free quote today and see if you qualify for this affordable coverage option.