Graded Death Benefit Term & Whole Life

Our Graded Death Benefit Term and Graded Death Benefit Whole Life products are designed to provide up to $250,000 of life insurance coverage for customers who have experienced health problems. Coverage increases in years one and two with full coverage starting in year three.

These products also use our rapid decision underwriting process which combines secure Internet technology and personal access to experienced underwriters in order to streamline the decision-making process and keep your premium rates low.

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).

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.