Graded Benefit Whole Life

SNPJ Graded Benefit Whole Life is a permanent life insurance policy designed for individuals who are in less-than-perfect health. The Graded Benefit Whole Life plan allows someone who may not normally qualify for insurance coverage to purchase a permanent plan of insurance. SNPJ makes this coverage available by limiting the death benefit to 25% of the face amount should death occur in the first year of policy ownership, 50% in the second year, 75% in the third year and 100% in the fourth year and beyond. The SNPJ Graded Benefit Whole Life plan features lifetime insurance protection, along with the guarantees of a Whole Life plan, cash and loan values, and reduced paid-up insurance options.

Advantages of Graded Benefit Whole Life insurance from SNPJ

  • majority of benefits without a medical exam
  • simplified underwriting process
  • tax-deferred cash and loan value accumulation
  • proceeds are paid tax-free to your beneficiaries
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Graded Benefit Whole Life insurance is best for:

SNPJ Graded Benefit Whole Life insurance is best suited for individuals who desire the protection of permanent life insurance coverage, but due to health concerns will not qualify for any other permanent insurance plan. Rates are guaranteed on the SNPJ Graded Benefit Whole Life plan, which makes this plan an ideal choice for anyone in less-than-perfect health.

Get a permanent life insurance quote today.

Contact your Lodge secretary or sales agent, or contact the SNPJ Home Office to get a life insurance quote today. We will provide you with competitive insurance rates and help you select the right life insurance products that match your specific needs and budget.

Slovene National Benefit Society is licensed in the following states:
Arizona, California, Colorado, Florida, Illinois, Indiana, Kansas, Michigan, Minnesota, Missouri, Montana, New Mexico, New York, Ohio, Oregon, Pennsylvania, Utah, Washington, West Virginia, Wisconsin and Wyoming.