While it is true that the graded death benefit clause is probably the biggest disadvantage to a guaranteed life insurance policy, it's not the only disadvantage. (termlife2go.com)
If you should die in an accident the accidental death benefit clause provides that twice the death benefit will be paid. (lifeinsurancehub.org)
You have the option of adding the accidental death benefit clause to any of these policies as well as the waiver of premium benefit. (lifeinsurancehub.net)