A Final Expense Plan with

• Guaranteed Premium Payments
• Guaranteed Cash Values
• Guaranteed Death Benefits

Graded Life is a two year graded death benefit whole life product. If death occurs in the first policy year 25% of the ultimate death benefit is payable and 50% of the ultimate amount is payable in the second policy year. There is no reduction and the full ultimate amount is payable if death is accidental.

Eligibility for insurance is determined by Five Medical Questions asked on the application.

Product Rates and informational brochure -

• Issue Ages: 18 through 80
• Minimum Face Amount $2,500
• Maximum Face Amount $25,000
• Guaranteed Premiums for Insured's Lifetime
• Guaranteed Cash Values
• Guaranteed Death Benefits
• Simplified Underwriting