Graded Life

Have you been turned down for life insurance? A Watermark representative can assist you finding the right Graded Life Insurance policy that fits your needs. You will not be required to take a physical. Complete our online quote and allow one of our knowledgeable agents to assist you today.

Features of Graded Life Insurance:

•  The policy has a level death benefit for as long as it remains in force. This can be distributed in a lump sum or in the form of an income. 
   
•  This policy begins with a lower than usual premium. It is actually much lower than the premium for whole life insurance. The premium increases usually for 5 or 10 years. 
   
•  After the initial years of premium for the graded premium life insurance policy increase the premium levels off and remains level for as long as you own your policy. 
   
•  The policy has cash values. If you are in need of cash at any time after the policy has earned a cash value you may borrow up to approximately 80% of it without loosing your life insurance policy. 
   
• Depending on the investment performance of the life insurance company and how well they keep down expenses...the policy may earn a dividend. Dividends are not guaranteed. This dividend can be applied in several ways. It can be used to purchase paid up additions, be used to reduce premiums, be left to accumulate interest or it can be paid to you in cash every anniversary of the policy.

Requesting a quote is easy. Our Watermark Agent prep a quote and/or find the right policy for you. Simply click the button below and let's get started.