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Graded Death Benefit Life Insurance

Do you think the best life insurance companies may not give you the coverage you need? Well I have some interesting information for you.

If you can’t qualify for traditional coverage, most people can qualify for a policy with a Graded Death Benefit.

Graded Death Benefit Highlights:

  • No medical exam
  • Very few medical questions – usually 8 to 12 questions, compared to over 40 questions on a traditional application.
  • Quick Approval – Can normally get approved and have policy effective in just a couple days.
  • Reduced Death Benefit for first 2 to 3 years – Accidental deaths do pay out the full face value immediately.
  • Term or Whole life insurance plans are available

How to Get a Quote

Unfortunately, our quote form on the right does not quote graded policies.  Just give us a quick call and we can give you a quote in a couple minutes.  877-443-9467

Can You Qualify for a Graded Policy?

If you can answer all the following questions “NO”, then you can qualify for a graded policy.

1) Have you been diagnosed as having or been treated by a

physician for:

a. Human Immunodeficiency Virus (HIV), Acquired Immune

Deficiency Syndrome (AIDS) or AIDS Related Complex


b. Alzheimer’s disease (dementia), Amyotrophic Lateral Sclerosis

(ALS), mental retardation or Down’s Syndrome or do you

require the assistance of another person for dressing,

bathing, toileting, or mobility or do you use an oxygen tank?

2) Have you,

within the past 2 (two) years:

a. Had a heart attack (myocardial infarction) or stroke

(cerebral vascular accident)?

b. Had or are now awaiting an organ or bone marrow transplant

(except as a donor)?

c. been diagnosed with cancer, received or been prescribed

radiation or chemotherapy or have you received or been

prescribed dialysis?

d. Been confined to or been advised by a licensed medical

professional to be admitted to, a nursing home, hospice,

extended care or special treatment facility or are you now


e. Used controlled substances such as cocaine, heroin, amphetamines,

barbiturates or hallucinogens except as prescribed

by a physician or been treated for or been advised

by a physician to seek treatment for drug or alcohol use?

f. Been advised by a licensed medical professional that your

life expectancy is less than 24 months?

g. Had more than one DUI (DWI) violation, been convicted of

a felony or are you now on probation?

If you can answer “NO” to all the questions above, call us at 877-443-9467 to get a graded death benefit quote.

Let’s Also Be Sure You Can’t  Qualify for Something Less Expensive

A large percentage of people with tough cases can still qualify for a traditional life insurance policy, which costs a lot less than a graded policy.  Click here to compare Traditional vs. Graded policies.

For example, we’ve insured the following tough cases with traditional policies:

Diabetics types I and II, Obese individuals up to 400 lbs, heart attack history, multiple DUI’s, heart disease, stroke history, cancer history, epileptics, multiple sclerosis… as you can see, just about anything.

If You Can’t Answer “NO” to the Above Questions…

In that case, we now need to look at a guaranteed issue policy.

For example, if you’ve been diagnosed with terminal cancer or HIV/AIDS or Alzheimer’s Disease, the only type of life insurance you can qualify for is guaranteed issue policy with no medical questions.

What if I’ve been Declined for Life Insurance?

If you’ve been declined by multiple insurance companies, you’ve found the right policy for you.

Just about anyone can qualify, so call us at 877-443-9467 for an instant quote and policy details.  The application can be completed by phone.

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