Preferred Whole Life gives a fully guaranted, traditional, whole life plan that contains three premium options. This must be medically underwritten to offer preferred rate levels.
Simplified Issue Whole Life give a fully guaranteed traditional whole life plan with three premium options, without a medical exam required.
Graded Death Benefit Whole Life contains two premium options; guaranteed cash values and premiums. The acceptance to this plan depends on not being confined to a hospice or hospital and not terminally ill. The death benefit is reduced if death does occur within the first two years.