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Graded Benefit Whole Life Insurance

Permanent, Lifetime Protection with a Simple Application and No Medical Questions.

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Lifelong coverage tailored to your budget and needs.

BetterLife’s Graded Benefit Whole Life Insurance can help offer you and your loved ones peace of mind by easing the burden of final expenses. Our straightforward application process is hassle-free, with no medical questions or exams required.

Permanent Protection for Peace of Mind

BetterLife’s Graded Benefit Whole Life Insurance offers lifelong protection, helping ensure that your loved ones are not burdened with final expenses after you’re gone.

Guaranteed Premiums for Lifelong Security

When you choose BetterLife’s Graded Benefit Whole Life Insurance, you lock in a rate that will never increase for as long as you maintain your policy.

Portable and Flexible Coverage

This policy offers ultimate flexibility, helping you cover funeral costs, medical bills, taxes, and other expenses, no matter where life takes you.

Income Tax-Free* Death Benefit

When the time comes, your beneficiaries will receive an income tax-free* death benefit. This crucial benefit helps ensure the people you love will be able to pay for your final expenses and any other costs without added financial stress.

 

*According to tax laws IRC Section 101 & 7702. Cash surrenders and loans may generate an income tax liability. BetterLife, its affiliates, and its agents do not render tax or legal advice. Consult with your tax and legal advisors regarding your personal circumstances. 

Is BetterLife’s Graded Benefit Whole Life Insurance Right for You?

  • Accelerated Death Benefit Rider: Included with your policy at no additional cost, this rider provides extra flexibility for policyholders with terminal or permanent illnesses*.
  • Permanent protection: Enjoy lifelong coverage with a tax-free** death benefit.
  • Guaranteed Premiums: Your premiums will never increase as long as your maintain your policy.
  • Guaranteed Cash Value: Your policy builds accessible guaranteed cash value over time.
  • Natural Causes Coverage: If you pass away due to natural causes within the first two years, your beneficiary will receive a return of all premiums paid plus 4.5% interest per annum.
  • Accidental Death Coverage: If you pass away due to an accident within the first two years of issue, your beneficiary will receive 100% of the face value.
  • Full Coverage After Two Years: 100% of the face value will be paid for any cause of death after the first two policy years***.
  • Eligibility: Available to people ages 40-85.
  • Flexible Policy Amounts: Choose coverage amounts ranging from $2,000 to $25,000.
  • Access to Exclusive Member Benefits: Gain complementary access to BetterLife’s suite of member benefits, at no additional cost.

 

*Subject to terms of rider. **According to tax laws IRC Section 101 & 7702. Cash surrenders and loans may generate an income tax liability. BetterLife, its affiliates, and its agents do not render tax or legal advice. Consult with your tax and legal advisors regarding your personal circumstances. ***Subject to suicide provision.

 

Discover our comprehensive suite of Better Final Expense life insurance products. Download our informative Better Final Expense solutions document now.

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BetterLife’s Graded Benefit Whole Life Insurance Can Be a Great Option For:

Final Expense Planning Made Simple

No matter your stage in life, planning for final expenses is a wise decision. BetterLife’s Graded Benefit Whole Life Insurance helps ensure that your loved ones won’t be burdened with funeral costs, medical bills, or other debts. Our policy is designed to help cover these expenses, helping provide peace of mind for you and your family.

A Solution for Those with Health Issues

If you have health issues that make it difficult to get life insurance, BetterLife’s Graded Benefit Whole Life Insurance could be a great option for you. Our simplified application process can be completed easily over the phone, with no health exam required. Qualification is based on your answers to a few medical questions, making it accessible and straightforward.

Ideal for Senior Citizens

Seniors often face challenges qualifying for life insurance due to age or health. BetterLife’s Graded Benefit Whole Life Insurance is designed for individuals aged 40-85, offering a simple application process with no medical exams required.

Charitable Giving Made Easy

Many people use life insurance to leave a lasting legacy for a person, cause, or organization they care about. BetterLife’s Graded Benefit Whole Life Insurance is an excellent way to ensure your charitable gift supports what is near and dear to your heart.

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BetterLife Member Benefits

Did you know that when you purchase a life insurance policy with BetterLife, you automatically become eligible to apply for our exclusive Member Benefits? These benefits are designed to enhance your life and support your community. From assistance with out-of-pocket health expenses to funds that help you give back, BetterLife is committed to helping you live a better life

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*According to tax laws IRC Section 101 & 7702. Cash surrenders and loans may generate an income tax liability. BetterLife, its affiliates, and its agents do not render tax or legal advice. Consult with your tax and legal advisors regarding your personal circumstances.