Graded Death Benefit At A GlanceAfter the death of a loved one, many families are faced with unexpected expenses, including medical bills, funeral expenses, legal fees, and unpaid bills. Our Graded Death Benefit Plan provides life insurance coverage to meet these needs. Coverage is available despite many minor health conditions.
- Graded death benefit in years 1 and 2
- Simplified underwriting and short form application
- No Medical Exam*
- NO RISK free look period
- Additional member benefits available, AT NO ADDITIONAL COST
| Age Availability: |
50 - 85 |
| Coverage Amount Available: |
$3,000 - $10,000
30% of face amount in first year,
100% if death is accidental
70% of face amount in second year,
100% if death is accidental
100% thereafter
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| Dividends: |
Participating, but none expected |
| Riders Available (adult): |
1Accelerated Living Benefit - Form Series 1766 available in many states |
| Form series: |
200613A |
Have questions?
For information on this product and help in choosing the products that may be right for you, call our member sales team at (866) 845-6665.
How much life insurance do you need? Use our calculators to help find out.
Certificates and riders are not available in all states. Contractual provisions and limitations may vary by state. Rider may be subject to an administration fee and/or other restrictions.
*Applications are subject to our underwriting guidelines including, in certain limited circumstances, an exam by a medical professional.
1Receipt of acceleration of life insurance death benefits may be taxable and may affect your, your spouse's, or family's eligibility for public assistance programs. You are advised to consult a qualified tax professional or social service agency regarding the circumstances under which you might be able to receive an acceleration of a life insurance death benefit, excludable from income under federal law.
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