For this reason, insurance
companies add the «Graded Death Benefit» clause to their
final expense policies so that they can avoid insuring someone who is simply days away from dying from a natural cause (heart attack, cancer, stroke, etc, etc...)
Now, since nobody can predict an accidental cause of death such as a slip and fall, motor vehicle accident, victim of crime, etc, etc... these types of deaths would be immediately covered without needing to survive beyond the 2 or 3 year waiting period (the graded death benefit).
Now compare
final expense insurance quotes with the
company we represent that has the same fixed premiums and death benefit, builds cash value, and has a similar two year graded death benefit.