Graded death benefit whole life insurance is designed for people who are not in ideal health and therefore do not qualify for traditional life insurance. Graded death benefits are permanent, and they grant your beneficiary your paid premiums plus interest if you pass away within the first two years of having the policy.
These policies typically have a fixed premium rate even as you get older, and they require little to no medical examination. While they may cost a bit more, graded benefits are an excellent option for those who cannot get standard life insurance. Contact our office today to see if graded death benefit insurance is right for you.
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