Should You Buy Graded Life Insurance?

Guaranteed issue life insurance is attractive to impaired or high risk shoppers because the company doesn’t ask you any health questions. The coverage amount increases over time.

Graded life insurance is not for people who:

Are healthy

Are looking for cheap coverage

Want a full death benefit immediatley

Are past age 80

Guaranteed issue life insurance is for people who:

Have serious health problems

Don't want any medical exams or questions

Didn't get enough life coverage when they were healthy

Want a fixed premium

Want to provide their heirs a partial benefit

Want insurance where they can't be turned down

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