Sentences with phrase «graded benefit life insurance»

If you were likely to die within a couple of years, they will need to protect their investment by either rejecting you or offering a guaranteed issue graded benefit life insurance policy.

Rates for this coverage are much lower than for regular life insurance or graded benefit life insurance plans.

These include guaranteed issue, simplified issue and graded benefit life insurance coverage.

If we can't get you approved for a regular policy, we can always consider graded benefit life insurance.

Premiums for graded benefit life insurance policies are generally higher than those for standard life insurance policies since the policyholder presents greater risk of a death claim to the insurance company.

While graded benefit life insurance does not require a medical exam and does not require medical information, the process of purchasing this type of insurance can be quite complicated.

While graded benefit life insurance does not require a medical exam and does not require medical information, the process of purchasing this type of insurance can be quite complicated.

An important feature of graded benefit life insurance is that someone in poor health will be able to obtain life insurance coverage.

* TheExpress Issue Whole Life with Graded Benefit life insurance policyis available in all states except NC, MN, MA, WA, and ID.

Instead of calling those companies to find the best graded benefit life insurance policy, let one of our independent brokers do all of the work for you.

If you should have any questions along the way regarding graded benefit life insurance, or about how to obtain life insurance premium quotes, please feel free to contact us directly via phone, toll - free, by calling 334-380-4188.

Also, the amount of coverage is not fully available until 1 - 2 years after you own the policy - this is called graded benefit life insurance.

If your diabetes is severe, or if you are experiencing multiple health complications, we may want to consider Graded Benefit life insurance (policy sizes are smaller and there's a waiting period before full benefits kick in).

In cases of more severe health conditions — for example aggressive MS, or a stroke within the past 12 months, uncontrolled diabetes, etc. one would probably be declined for a regular life insurance policy and would need to look for graded benefit life insurance.

Graded benefit life insurance coverage gets it name from the fact that the full policy amount will not be paid if the insured dies in the first couple of years after the policy is issued.

United Home Life also offers graded benefit life insurance.

Graded benefit life insurance is the third type of no exam life insurance available.

Graded Benefit life insurance is typically an excellent option for someone who has been declined for traditional life insurance.

Furthermore, you'll need to make a choice between level and graded benefit life insurance.

Graded Benefit life insurance is often your next stop if you don't qualify for traditional life insurance (stricter underwriting).

If your health is not optimal, and you had to apply for a «graded benefit life insurance» policy or a «guaranteed issue life insurance» policy, then there may be a waiting period for your guaranteed coverage to begin.

The alternative is to consider a graded benefit life insurance policy — also called a simplified issue policy.

If your insurance agent indicates that this situation is the case, your agent will likely recommend alternatives such as a graded benefit life insurance policy.

Graded benefit life insurance is heavily marketed to senior citizens.

Graded benefit life insurance is intended for individuals who probably can not qualify for insurance that requires a clean bill of health.

For instance, a graded benefit life insurance plan that is guaranteed issued, may provide no coverage the first two years you own the policy, other than a return of premiums you have paid plus interest, but once you have been insured by the policy for two years, you will have full coverage.

In a graded benefit life insurance policy, the death benefits are not level.

As a graded benefit life insurance product, United Home Life's guaranteed issue whole life offers coverage up to age 100.

Graded benefit life insurance is the third type of no exam life insurance available.

We would just like to buck the trend in life insurance articles and advertising that insinuate that when you are declined for life insurance your only option is to go directly to graded benefit life insurance or guaranteed issue life insurance.

Fidelity Life's graded benefit life insurance is available to seniors over 50 and is unique in that they offer both term and whole life.

Graded Benefit Life Insurance.

Graded benefit life insurance is the middle of the road option among no exam life policies.

In most cases, applying for a graded benefit life insurance policy is relatively easy.

First they start by making it a graded benefit life insurance policy.

Graded benefit life insurance is coverage that provides full death benefits after the insured person is insured for at least 2 or 3 years.

Janet would be wise to consider a Graded Benefit life insurance policy or a Guaranteed Issue life insurance -LSB-...]

Guaranteed issue life insurance or graded benefit life insurance, even though they could purchase it, wouldn't pay a death benefit if the insured died in the first two years.