Kim's Talk

Graded Benefit Whole and Term Life 

Our whole and term life products are graded death benefit policies. These two products are designed to provide a permanent or term life insurance plan for individuals capable of employment, even those who have been declined or rated by other companies.

Plan Details

Graded Benefit Whole Life

  • Whole life insurance policy
  • No routine medical requirements such as a paramedical exam or APS 
  • Issue ages: 20-80 
  • Must complete an application with health questions to qualify

Graded Benefit Term 

  • Renewable term policy
  • Convertible to whole life through age 64
  • No routine medical requirements such as a medical exam or APS
  • Issue ages: 20-70 
  • Must complete an application with health questions to qualify

What does “graded death benefit” mean?

A graded death benefit policy means that the death benefit in the first three policy years is less than the full amount applied for.

The first year…

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About #nofeeslender

Having invested more than a decade of solid experience in the Real Estate Mortgage Industry (in Retail Banking, Retail Brokerage and Wholesale Banking Lending) along with countless years of cutting-edge, high-technology real estate computer system knowledge, I gratuitously provide my Valued Clients--both "Property Virgins" and Long-Term "Real Estate Gurus"--with informative, analytical, technological, resourceful and expert advice that help them make the best informed decisions for their own unique situations to reach their mortgage planning goals. Specialties:"I specialize in helping individuals like you and family like yours find, qualify for and own a home of their dream with little or no money down, even with less than perfect credit!"
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