If you have experienced health problems, our Graded Death Benefit Term and Graded Death Benefit Whole Life products are designed to provide up to $150,000 of life insurance coverage. Coverage increases in years one and two with full coverage starting in year three.
With our Graded Death Benefit Term and Whole Life Plans, there are no exams, no tests, no waiting periods and processing delays.* Issuance depends only on the answers to a few health questions. This rapid decision-making process is the work of experts who have the knowledge and experience to provide solutions that are both forward looking and practical. It's a benefit you won't likely get from any other insurer.
The Graded Death Benefit Term Life product provides a level premium to age 80 or 20 years, whichever is later. The death benefit is level for years 3 to 10 and then reduces to an amount the premium will support each year thereafter.
Graded Death Benefit Whole Life is a level death benefit after year 2, level premium whole life policy paid up at age 120. It provides cash values and standard non-forfeiture options such as cash loans, paid-up insurance and automatic premium loan (APL).
*Occasionally a medical exam, test or report will be ordered to assist a customer in clarifying or correcting an item of medical history.
Not all products available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.