graded benefit policy is one that pays a lower amount if death occurs during the first few years after the policy is purchased. This is a technique used by life insurance companies to reduce the cost of policies for less healthy individuals who are already seeking guaranteed issue coverage.
It is a life insurance policy for individuals who are in less-than-perfect health. If offered, the graded insurance life policy allows someone who may not normally qualify for insurance coverage to obtain a permanent plan of insurance.

Graded Premium Whole Life Insurance. A form of modified life insurance that provides for annual increases in premiums for a constant face amount of insurance during a defined preliminary period, with the purpose of making initial payments more affordable.

Level-premium insurance is term life insurance for which the premiums are guaranteed to remain the same throughout the contract, while the amount of coverage provided increases. … The most common terms are 10, 15, 20 and 30 years, based on the needs of the policyholder.

Top Final Expense Insurance Companies and Fixed Indexed Annuity
Most of these companies uses Single Issue Whole Life Insurance with no need for medical tests, but must answer some health questions.


Mutual of Omaha




American Amicable

John Hancock


Royal Neighbors


Global Atlantic



Final Expense Insurance plan uses Single Issue Whole Life Insurance Plans

Text 408-854-1883 or email for questions related to life insurance, final expense plan for burial or funeral expense, fixed index annuity, mortgage protection life insurance and others.


Those with Pacemakers can still avail of a final expense insurance plan. 4 other companies will not offer the plan (CFG, Forrester, Mutual of Omaha and Americo). Others will offer at lower death amount.

How to avoid heart disease: Eat more cooked veggies, walk more, sleep at night, warm drink of ginger and garlic. Use vinegar salad dressing.