Explaining TRUE Graded:

Well (Name), I have found a company with a good chance of an approval for you.  I need to just quickly explain how this plan works.  If you die at any point from an accident, it will pay your (Beneficiary) the FULL policy amount!  Pretty good huh?

Now, as you know, you have some health conditions going on.  (It is best if you name the actual worst condition like CHF, COPD, etc.)  With that said, if you die from (say condition) or any natural cause in the first year, it will pay your (Beneficiary) 30% of the Face Amount of the policy (name the amount).  If you die from that condition in the 2nd year, it will pay out 70% of the Face Amount.  That is much better than it not paying out anything, right?

Now I think you would agree, if you are to die unexpectedly in the next two years, it would probably be from an accident huh?  I agree...and again, your beneficiary would get that full amount!

Now click NEXT below!

Explaining Return of Premium:

Well (Name), I have found a company with a good chance of an approval for you.  I need to just quickly explain how this plan works.  If you die at any point from an accident, it will pay your (Beneficiary) the FULL policy amount!  Pretty good huh?

Now, as you know, you have some health conditions going on.  (It is best if you name the actual worst condition like CHF, COPD, etc.)  With that said, if you die from (say condition) or any natural cause in the first two years, it will pay your (Beneficiary) ALL of the money back you have paid PLUS 10% interest on that money.  That is much better than a bank would give you, right?  

Now I think you would agree, if you are to die unexpectedly in the next two years, it would probably be from an accident huh?  I agree...and again, your beneficiary would get that full amount!

Now click NEXT below!