North Coast Life's Graded Life is a two year graded death benefit whole life product. If death occurs in the first policy year, 25% of the ultimate death benefit is payable and 50% of the ultimate amount is payable in the second policy year. There is no reduction and the full ultimate amount is payable if death is accidental.

Description of the Two year graded life insurance policy:

Issue Ages: 18 through 80

Maximum Issue Amount: $25,000 face amount.

Minimum Issue Amount: $2,500 face amount and $200 annual premium.*

Guaranteed Premiums for Insured's Lifetime

Guaranteed Cash Values

Guaranteed Death Benefits

Simplified Issue

* Two year graded life insurance is not available in Washington State or Montana.