A graded death benefit is a waiting period — usually two to three years — built into some final expense policies (most often guaranteed issue plans) during which a death from natural causes doesn't pay the full face amount. Instead, beneficiaries typically receive a return of premiums paid, often plus interest.
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Death from an accident is generally still paid at the full face amount even during this waiting period.
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Call (844) 658-4509Not all final expense policies have a graded benefit — many simplified issue policies pay full benefits from day one — so it's important to ask an agent whether a specific plan includes this waiting period before you buy.
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