Seven Questions or Less: An Easier Way to Buy Whole Life Insurance

Seven Questions or Less: An Easier Way to Buy Whole Life Insurance

Nov 21, 2017

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Western understands that there are people interested in getting valuable life insurance coverage with minimal qualifying requirements. We have two options for those who want whole life insurance without needing a medical exam or lab tests. Simplified Issue Whole Life and Graded Benefit Whole Life are both plans which only require yes/no answers to a minimal amount of questions. Let’s review the benefits of both plans:

Both Plans Offer:

  • A tax-free death benefit paid directly to your beneficiary at the time of a claim.
  • A simple way to pay for end-of-life expenses.
  • Life-long coverage up to age 121.
  • Provides guaranteed cash values.
  • Guaranteed level premiums.

Simplified Issue Whole Life is for Anyone:

Simplified Issue Whole Life is available in face amounts of $5,000 to $24,999 for people up to age 85. You can choose to pay either through a single premium (one-time) payment, 10-year payment plan, 20-year payment plan, or lifetime payment plan.

Graded Benefit Whole Life is for Those with Complex Medical History:

Graded Benefit Whole Life is available for anyone age 40 to 85 in face amounts of $2,000 to $15,000. During the first two policy years, the death benefit is limited to a refund of all premiums paid plus 5% interest if the cause of death is non-accidental. Full death benefits will be paid in all years if the cause of death is due to accident. After the policy has been in force for two years, the full benefit will be paid upon death. Coverage remains in force as long as payments are made as required by the plan.

If you are interested in an easy application, ask your Western Fraternal Life agent about these options to see which is right for you. Call 877-935-2467 or e-mail info@wflains.org to contact the Home Office.



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Category: insurance

Randy Pfeiler

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Field Consultant, Sales and Marketing


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Call 877-935-2467 to speak with a Western Fraternal Life Representative.