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Graded Benefit Whole Life Insurance

Permanent, lifetime protection with a simple application.

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Affordable, lifelong coverage.

BetterLife’s Graded Benefit Whole Life Insurance offers peace of mind by helping your loved ones pay for your final expenses. Our simple application is an easy, pain-free process for you, with minimal medical questions and no medical exam required.

Permanent Protection

Graded Benefit offers you protection for the rest of your life, and lifts the weight of your final expenses from your loved ones after you’re gone.

Guaranteed Premiums

When you purchase Graded Benefit Whole Life Insurance, you’ll lock in a rate that is guaranteed to never increase for as long as you maintain your policy.

Portable and Flexible

This policy will follow you wherever you go which means you won’t be tied to any one location. It also provides the ultimate flexibility for paying funeral costs, medical bills, taxes, and other expenses.

Income Tax-Free* Death Benefit

When the time comes, your beneficiaries will receive an income tax-free* death benefit. This important benefit helps ensure the people you love will be able to pay for your final expenses and any other costs.

*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 me?

  • Permanent protection with a tax-free* death benefit
  • Premiums that are guaranteed to never increase for as long as you maintain your policy
  • Guaranteed cash value
  • If you pass away due to natural causes within the first two years of issue, your beneficiary will receive a return of all premiums paid plus 5% interest per annum
  • If you pass away due to an accident within the first two years of issue, your beneficiary will receive 100% of the face value
  • 100% of the face value will be paid for any cause of death after the first two policy years
  • Available to people ages 40-85
  • Policies available from $2,000 to $25,000

*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. 

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BetterLife’s Graded Benefit Whole Life Insurance can be the right solution for:

Final Expense Planning

Regardless of your stage in life, it’s wise to think about planning for the end of your life. Final expense planning can help ensure that you don’t leave your loved ones with the financial burden of paying funeral expenses, medical bills, or other debts. Our Graded Benefit Whole Life Insurance is designed to help cover these types of expenses.

People with Health Issues

If you have health issues that make it difficult for you to get life insurance, our Whole Life Insurance might be a great option for you. To apply for this type of coverage, you only need to complete a simplified application. This can be done easily over the phone. No health exam is required though qualification does depend on answers to medical questions in application.

Senior Citizens

Seniors may not qualify for some types of life insurance due to their age or health. Our Whole Life Insurance is available to people ages 40-85, and the application process is simple. You can purchase thousands of dollars of protection at an affordable price. Annual, semi-annual, quarterly, or monthly payments are available.

Charitable Giving

Some people use life insurance as a way to leave a charitable gift to a person, a cause or an organization at the end of their life. Our Whole Life Insurance can be a great way to leave a gift for something that 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 are automatically eligible to apply for any of our exclusive Member Benefits?

Our Member Benefits are designed to help you life a Better Life and range from assistance with out-of-pocket health expenses to funds to help you support your community.

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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.