Graded Benefit Whole Life | Western Fraternal Life

Graded Benefit Whole Life

The loss of a loved one can be devastating enough without adding the burden of paying for the funeral and other final expenses. With a Western Fraternal Life Whole Life policy, you can have peace of mind that your loved ones will have the money needed at that difficult time.

Graded Benefit Whole Life

This is a guaranteed level premium Whole Life policy with a graded death benefit. During the first two policy years, the benefit for death by non-accidental causes is a refund of all premiums paid plus 5% interest. Thereafter, the full benefit will be paid. For death due to accidental causes at any time, the full death benefit will be paid. Acceptance is based on very few yes/no health questions. No medical examination, lab test or doctor’s records are needed. 


  • Full death benefit is available immediately for accidental death.
  • The benefit for death as a result of a non-accidental death is return of premium plus 5% interest during the first two policy years
  • Available for anyone age 40 to 85
  • Available in face amounts of $2,000 to $15,000
  • Guaranteed level premiums for the life of the policy
  • Coverage that will remain in force as long as your premiums are paid on time
  • No medical exam to apply for coverage
  • Underwriting is limited to yes/no questions
  • You can pay EFT monthly, quarterly, semi-annually, or annually
  • Offers coverage for your entire life, up to age 121
  • Often used to cover final expenses, such as funeral costs, medical bills, and debt
  • Policy builds cash values that can be used for emergencie

How Much Coverage Do I Need?

The average cost of a funeral, including a burial vault, was $8,508* in 2014. This cost does not include a cemetery plot, headstone or grave marker, travel costs, or other miscellaneous charges, such as flowers or an obituary. These additional expenses can often be $3,000 to $4,000 or more.

*Source National Funeral Home Directors Association

Estimate your expenses

Funeral Costs  0000
Casket or Urn  
Professional Services  
Hearse Rental  
Burial Costs  
Plot or Crypt  
Headstone or Grave Marker  
Opening and Closing the Grave  
Other Costs  
Medical Expenses  
Unpaid Loans  
Total Estimated Costs:  


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