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).