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SENIOR GRADED WHOLE LIFE

This product is designed specifically for clients ages 60–80 and is approved in all states and provinces except Maryland (MD) and Pennsylvania (PA).

Eligibility & Application

• Issue Ages: 60–80
• Requires a separate application from standard whole life products
• Maximum Face Amount: $34,999

How the Benefit Works

This is a graded benefit policy during the first three policy years, meaning the full death benefit phases in over time:

• Year 1: 25% of the face amount
• Year 2: 50% of the face amount
• Year 3: 75% of the face amount
• Year 4+: 100% of the face amount (full benefit)

This structure allows coverage for clients who may not qualify for immediate full-benefit policies, while still providing increasing protection that reaches full value over time.