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Today’s Topic: What Is Modified Whole Life Insurance?
Have you recently received information on a modified whole life insurance program?
Or perhaps you’ve been approved for modified whole life insurance?
No matter what your circumstances are, most likely you’re here today to learn more about how this life insurance program works.
Because the TRUTH is… modified whole life insurance is NOT appropriate for everyone.
So let’s jump in and learn!
NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the compete presentation on modified whole life insurance. Enjoy!
Here’s An Overview Of Our Discussion On Modified Whole Life Insurance:
- What Is Modified Whole Life Insurance?
- The Pros Of Modified Whole Life Insurance
- The Cons Of Modified Whole Life Insurance
- Story From The Field
- Who Is Modified Whole Life Insurance Right For?
- Who Is Modified Whole Life Insurance Wrong For?
- Which Companies Offer Modified Whole Life Insurance?
- 5 Reasons To Apply For First-Day Full Coverage Whole Life Insurance
- How Much Coverage Can I Get?
- What Can My Coverage Pay For When I Pass Away?
- Final Thoughts
What is modified Whole Life Insurance?
First, let’s define what “modified whole life insurance” means.
“Modified” whole life insurance means your life insurance product has an initially “modified” level of coverage.
Typically, the modified coverage lasts for a set number of years at the beginning of the life insurance policy.
Sometimes you will see “modified” used to describe this type of insurance policy. Also, “graded” and “return of premium” whole life insurance policies sometimes substitute the word “modified.”
NOTE: If the words above are used to describe your life insurance policy, please listen closely.
The Good News
With these kinds of life insurance policies, the premiums NEVER increase. You never have a price increase when you have a modified whole life insurance program.
Also, with a whole life plan of any kind, modified, graded, or return of premium, you CANNOT be canceled due to age or health.
As long as you pay the premium, you can keep your policy as long as you live!
So What’s The Catch?
As you’re probably thinking, the Devil’s in the details.
What are the pros of modified Whole Life Insurance?
As with anything in life, there are two sides to every story.
And so it goes with modified whole life insurance.
There are actually some GOOD things worth mentioning.
First, modified whole life insurance is GOOD for folks that cannot qualify for other life insurance programs.
For example, let’s say I sit down with somebody who has a number of chronic health elements.
And I mean BAD health issues… oxygen use 24-7, congestive heart failure, renal failure, etc.
If I were to recommend that person take out a traditional life insurance company, I can ensure you they’d be DECLINED in a heart beat.
Because with many traditional life insurance products, most severe, chronic illnesses are knockouts. Or the rates are so astronomically high that only the very wealthy could afford it.
Unlike traditional life insurance programs, a modified plan is MUCH less restrictive on the underwriting process.
You can get LOTS of health issues approved with modified whole life insurance that a traditional life insurance product NEVER would consider.
That’s why THE biggest benefit of a modified whole life insurance product is that easier to qualify for. So much so that otherwise uninsurable applicants can be regularly approved.
Modified whole life offers coverage and premium guarantees
Because it’s a whole life insurance plan, modified whole life insurance offers the same advantages as any other whole life insurance products.
- You have no rate increases that you have to worry about.
Once approved for coverage, you have a fixed price on your premium. There’s never a price increase.
On a fixed income?
You’ll REALLY like not having frustrating price increases like many seniors unfortunately have with a term insurance plan.
With those term life insurance plans, as you get older, you pay more.
If you’re on a fixed income, that can be TOUGH. Everybody’s trying to take more of your money anyway, and it would be nice for it NOT to happen!
Modified IS nice in that premium increases DON’T happen whatsoever.
2. Can’t Outlive Coverage
Lastly, modified who life insurance plans cannot be canceled because of age or health.
Obviously it’s nice to know your coverage is GOOD as long as you keep up with the payments.
What are the cons of modified Whole Life Insurance?
So far, you may be thinking,
“Dave, I thought there was a CATCH! Modified whole life insurance sounds pretty good!”
Remember how I said there is always GOOD and BAD sides to products?
Now that I’ve talked about the GOOD, let’s get into the “not so hot” side of modified whole life insurance.
No Full Natural Death Benefit Coverage.. Nada, ZERO!
Here’s the bottom line on the biggest drawback of modified whole life insurance:
No matter if your life insurance is called “modified,” “graded,” or “return-of-premium,” your coverage is LIMITED for the first two full years (minimum – sometimes MORE with some companies) if death occurs naturally.
Sometimes these plans are also called “guaranteed acceptance” or “two-year waiting period policies,” too.
What if you die EARLIER than you think you will?
Sometimes these modified whole life insurance policies are dang near whacky.
I’ve seen limitations for coverage last 4 years… FOUR YEARS!!!
That means there are honest people who believe in insurance who COULD get a better deal elsewhere… are getting ripped of seven ways to Sunday!
However, most commonly your modified whole life insurance policies have a 2-year wait.
What does a 2-year wait actually mean?
This means that if you die from natural causes within the first two years, your paid-in premiums plus interest are paid to your beneficiary.
This is where the term return-of-premium policy comes from because your premiums are being returned to your beneficiary.
What’s the problem?
Picture this for a moment…
You probably think you’ll be around for a long time, right? Sure, we all do.
But what if you stroke out and suddenly die? What if you come down with terminal cancer and are dead in months?
Point is… how GOOD… REALLY… is your modified whole life insurance plan… if you AREN’T fully covered when you NEED IT THE MOST!?
See my point?
This is why I REALLY don’t like offering modified whole life insurance plans to my clients.
There’s just too much uncertainty!
As I said earlier, there ARE circumstances where modified whole life insurance makes sense.
Likewise there are circumstances where it doesn’t make ANY logical sense.
And what’s worse, there is a HUGE percentage of people who have these modified plans that could MUCH better life insurance coverage.
The other thing with a modified whole life insurance product is that the premiums are almost ALWAYS higher than other life insurance policies.
In a little while, I’m going to show you some rates on different graded and modified plans.
You’ll see that the premiums are much more expensive compared to level whole life insurance or preferred whole life insurance products like burial insurance.
Limited Ability For Higher Amounts Of Coverage
Graded whole life insurance products typically limit coverage to smaller amounts.
Do you only need a $5,000 or $10,000 life insurance plan? Most likely you won’t have a problem.
However, many insurance companies restrict coverage to a maximum of $10,000 on a modified whole life insurance product.
If you need more coverage than that, than a modified whole life insurance product may not get you the amount of coverage that you really want.
You can *probably* do better than a modified plan.
Worst of all, there are hundreds of thousands of folks with modified whole life insurance that could EASILY qualify for first-day natural death life insurance coverage.
This is what I think is the most frustrating of all… seeing good people end up with crappy life insurance.
Let me give you an example from a fellow agent I know of.
There’s an agent that sells both modified whole life insurance and first-day full natural death whole life insurance.
About 30% of her clients are on a modified whole life insurance plan. This means they are AT LEAST waiting two full years BEFORE their life insurance coverage is in full effect.
And because this agent only offers one life insurance product and is NOT a broker, nearly 2 out of 3 of those folks with modified whole life insurance could EASILY qualify for something MUCH better.
(Sleazeball insurance agents ALSO piss me off, too =)
This agent REFUSES to shop around the insurance companies like I do to find the best price case.
We here at Buy Life Insurance for Burial dedicate ourselves to helping our clients get the best combination of price and quality in their life insurance policy, in order to help them accomplish their goals.
We shop the most competitively-priced options available to offer them the best possible coverage. Let us do this for you. The first step takes only 10 minutes, and we will provide you with a free quote.
If you are interested, please call (888) 626-0439. Or, submit a message on the left-hand side of the screen, and we will get back to you within the next 24 business hours.
My Client Who COULD Have Had A Modified Plan But Got FULL Coverage
I’ve been a bit more IRATE on this article than I usually am in my others.
Guess the topic of rip-off life insurance gnaws at me after a while!
Why? Because I’ve been around long enough to see otherwise healthy people keel over and DIE in a short period.
I know from experience how IMPORTANT it is to have FULL coverage if you can qualify for it.
Let me give you an example.
I had a client in Georgia. He was 63, and had COPD.
Yes, he did smoke but had no other health issues at the time I took out a life insurance policy on him.
About a year later, I heard from his fiance.
My client had died due to a botched colonoscopy. Unbeknownst to the doctor, he pricked his colon during the procedure. Sent the poor guy home bleeding internally. He died a short while later. Sad story.
When we took out the life insurance policy, he qualified for first day full coverage for natural death.
And even though he died within the first two years… BECAUSE he was fully covered… his fiance got paid the ENTIRE death benefit.
She DESPERATELY needed the money. It helped tremendously.
Now, if he had taken coverage with the other company the agent I mentioned earlier works for, they would have only paid back the premiums plus a little bit of interest, about 10 percent.
She probably would’ve ended up with a thousand bucks instead of the $9,000 she got.
How would you feel if you found out the agent SCREWED you?
Pretty bad, huh?
What’s the moral of the story?
These modified whole life insurance policies can make a hugely NEGATIVE impact on a family.
Look. You are the boss.
You need the best deal that you can get.
Why take a GAMBLE with your life insurance if there are better options available to you?
Story from the field
Buy Life Insurance for Burial prides itself on the fact that they are able to get their clients life insurance that they can afford that is also the most optimal life insurance for them.
By this, I mean that we can shop a variety of companies to look for exactly what our clients need.
And that is not always the same thing people get when they work with a life insurance agent that only represents one company. We believe that life insurance should accomplish all of the goals of the client.
If it was intended to pay for final expenses after you pass away, it should do that.
Further, we believe that coverage should pay out a maximum death claim to the beneficiaries and bring security to those it was initially intended to protect, which is why I want to share this story with you today.
This happened early in my career as a life insurance agent.
I was in Tennessee, and I happened upon this rural neighborhood. I had met two sisters and their uncle, who they wanted to get coverage for. He did have some health-related issues, but it was nothing extremely serious or chronic.
They felt that it was important for him to get life insurance, like they had, because he was financially dependent on them.
They didn’t have enough to afford $10,000 or more in pay expenses, but they believe that he deserved to have a proper burial.
This is how they knew they need to take out a life insurance policy on him.
Luckily, I was able to qualify their uncle for first day full coverage, regardless of his minor health issues.
Two years later, I got a note from the sisters saying that their uncle had passed away.
Thanks to the company I was working for, the two sisters were able to get half of the death benefit within 24 hours to help pay for his funeral and burial, and they promptly received the rest of the money within the next few weeks.
This truly made me understand how vital life insurance is. It can change people’s lives and help those who are grieving a loss.
In this situation, the two sisters could properly mourn their uncle without having to stress over how they were going to pay for his funeral.
I was so excited to see the power that a life insurance policy had, and I was even more excited that it was there to help out those two women.
I watched it come to life and take care of them, and I was proud I had a role in that.
So, the moral of the story here is to always get the most adequate coverage, regardless of your current health and age.
Work with a broker, like Buy Life Insurance for Burial, that can help you tailor your policy to your specific needs because you never know what can happen in the blink of an eye.
Who is modified Whole Life Insurance RIGHT for?
The TRUMP card.
Do you know what that means?
It means the “secret weapon” you pull out when all else fails.
The best way to explain why someone would want a modified whole life insurance is when all other options have failed.
It’s what I would use if I couldn’t get somebody covered with life insurance or burial insurance. And I was assured NO full-coverage plan would work.
If you’ve tried EVERYTHING in your power to get full-coverage life insurance… a modified life insurance plan may make sense.
If you have a modified whole life insurance plan right now, I hope you worked with an agent that shopped around before purchasing it.
Truly, if he tried REALLY hard to get better coverage, it’s probably the best deal you’re going to get.
If the agent only works with ONE company… like so MANY of them do..
It’s very likely you’re getting the short end of the deal. Investigating your options would serve you WELL..
Health conditions where modified whole life insurance is a GOOD choice?
This begs the question…
Under what health conditions would modified whole life insurance coverage make sense?
Let’s dive right in.
Common health conditions for modified policies
While there are many health conditions that are best for modified policies, I’m going to focus on the most common health conditions.
Cognitive memory disorders
Cognitive memory disorders are usually approved with modified whole life insurance products.
Just make sure isn’t a knockout question on the application about Alzheimer’s, dementia, memory loss, etc.
Any kind of cognitive memory disorder WILL NEVER qualify for first-day full coverage.
However, in most cases, you only can do either a guaranteed issue type of plan or a modified whole life insurance type of plan.
2. Kidney Failure
Kidney failure is another one.
Specifically if you’re on dialysis, most insurance companies will not give you first-day full coverage.
You’re stuck with a modified option or some sort of guaranteed issue coverage.
3. Supplemental Oxygen Usage
If you use an oxygen tank to supplement your breathing, no company will take you for anything better than a two-year waiting period life insurance product.
Go look for a no-questions-asked whole life insurance product. Those are going to be best as your oxygen usage does not make a difference in qualifying.
4. Terminally Ill
Who is modified Whole Life Insurance WRONG for?
FINALLY. The info you’ve been waiting for!
Let’s talk about where modified whole life insurance potentially is a bad fit.
And the TRUTH is that graded… return-of-premium… modified life insurance policies are usually NOT the best choice.
You probably can find a better life insurance policy
Most folks with modified coverage can find more comprehensive coverage options with other life insurance companies.
And it’s important that you DO, because you don’t want to be in a situation with an unnecessary two-year or longer waiting period on natural death coverage.
How do you find something better than modified whole life insurance?
Work with a broker like Buy Life Insurance For Burial, of course =).
I can help find what options are best for your unique situation.
Sure, sometimes modified plans ARE the best…
But man times they are NOT.
What health conditions MAY qualify for first-day full coverage?
Now to the good news.
You’re probably wondering what specific health conditions may qualify for something BETTER than a modified whole life insurance plan.
Let’s explore our options. I think you’ll like what you’re about to hear =).
No joke.. I have hundreds of clients with diabetes EASILY approved for first-day full coverage.
And MANY life insurance carriers even take insulin, and have diabetic neuropathy!
In most cases, these people qualify for preferred, first-day FULL coverage right away.
2. Cancer History
Have you had cancer that is now in full remission?
If so, good news! I’ve had HUNDREDS of cancer survivors qualify for first-day full coverage life insurance.
The “catch” is that you have to be out of treatment for a minimum of 2 years. Less than that… a no-questions asked life insurance plan is your best deal.
3. Heart Health History
I’ve got the same GOOD NEWS for people with heart health history.
If you’v ever had a:
- Heart Attack
- Atrial Fibulation
…you MAY be able to qualify for first-day full coverage life insurance.
The main thing we’re looking for is at LEAST 12 months (in some cases, 24 months) to pass before my companies having willingness to potentially qualifying you.
Kind of surprising, right?
Most people would think ANY history of heart problems is an automatic no-go. Thankfully, that’s not the case.
4. Lung Disease
As long as you’re not using supplemental oxygen, lung diseases like:
- Chronic obstructive pulmonary disease (COPD),
- Chronic bronchitis,
- Sarcoidosis, and
…all are usually OK for first-day full coverage life insurance.
38-year old with COPD and blood thinner gets first-day full coverage
A few moments ago, I a nice 38-year old mother in Kansas approved for first-day full coverage.
Normally, this is not that big of deal.
Except in her case, she had a pulmonary embolism, COPD, and took warfarin to control the blood clot in her lungs.
She was able to get FULLY covered with one of my insurance products!
5. Mental Health Disorders
Yes, even common mental health disorders may easily qualify for first-day full coverage, including the following conditions:
- Severe anxiety,
- Clinical depression,
- Mildly or severe depression
- Post-traumatic stress disorder (PTSD),
- Schizophrenia, and
As long as you’re not suicidal, these mental health disorders are the easiest conditions to qualify for first-day full coverage.
6. Neurological Disease
Neurological problems such as systemic lupus and Parkinson’s usually will qualify for first-day full coverage.
The bottom line is that there are WAY more health conditions that CAN be covered for first-day full natural death coverage than most would realize.
Which companies offer modified Whole Life Insurance?
You may wonder which life insurance companies offer modified whole life insurance.
Whether you want to take out coverage with them… or avoid the ENTIRELY due to the frustrating two-year waiting period…
Either way, you are curious as to which companies offer this type of graded life insurance product.
So let’s jump in and “pull back the curtain”…
Colonial Penn Life Insurance
Colonial Penn is probably the biggest provider of two-year waiting period policies.
Although Colonial Penn calls their product “Guaranteed Acceptance Life Insurance,” it functions EXACTLY like a modified whole life insurance product.
Bottom line with Colonial Penn… you could probably do better.
Because EVERYONE who applies for Colonial Penn’s Guaranteed Acceptance Life Insurance Product MUST wait two FULL years before receiving full natural death coverage.
And like I mentioned earlier… there’s a GOOD chance you can qualify for first-day full coverage for natural death with a life insurance product. Even if you have some sort of health issue.
Like Colonial Penn, Mass Mutual offers a two-year waiting period “Guaranteed Issue” product.
Check out their commercial below on YouTube and pause it on the 1:09 second mark.
If you look closely, you’ll see in white text that “Benefits are limited in the first two policy years.”
Basically, that means you aren’t covered for full benefits for natural death. No matter how healthy you are!
Gotta watch that fine print!
Same thing with Physician’s Mutual Guaranteed Whole Life product.
While they have products that provide first-day full coverage, they commonly mail seniors about their two-year waiting period product with “no-questions-asked” life insurance product.
Stay away from that if you’re health is good. And at least seek a second opinion on coverage before you decide to go with it.
This is why working with a broker is so important
So far, I’ve discussed several well-known companies that offer a type of modified whole life insurance program.
And if you’re over 50, you’ve probably seen many other television ads and junk mailers talking about other life insurance products, too.
Truth be told, I estimate 95% of those companies on TV and in the mail are selling a modified whole life insurance product, too.
This is why it’s VITAL to partner with a broker like us at Buy Life Insurance For Burial to help you find the best options for your life insurance needs.
5 Reasons to apply for first-day full coverage Whole Life Insurance
1. The paid-up aspect
This point is specifically unique to a whole life insurance policy, and this is not offered with term insurance. You can design your whole life insurance plan to have a paid-up aspect. This means, after a certain amount of time (around 10-20 years), your plan is paid off.
That means it is possible to pay off the premiums due on your whole life insurance while still having the policy’s protection. And, you can even add to its cash value in some cases.
2. Tax-free cash value
This is a surprising factor to many people that they find to be quite lucrative. When designing a whole life insurance plan, it is possible to develop cash value. Some policies offer an option where dividends increase the cash value of the plan, and this amount can be loaned to you if you need it, in any circumstance.
In general, the cash value loans are tax-free. This is something that can be useful for many things. For example, it is beneficial during retirement if you are looking to develop a retirement plan that allows for tax advantages.
3. Rates don’t increase
This one is short and sweet. With the majority of whole life programs, you can choose guaranteed premiums that won’t increase due to your changing age or health.
4. A permanent solution
Yes, whole life insurance is permanent. This is attractive to those who know that they will need to be covered for their entire lives. They have peace of mind knowing that they and their family will be protected when they pass. They know their final expenses will be covered, and it means a lot to them.
We all know that someone day, we will pass on. Whole life insurance is a permanent solution to a permanent problem.
5. It doesn’t cancel
We partially mentioned this point previously, but it is a major reason that people get whole life insurance. They get it because they know that it is permanent. This means that it doesn’t cancel at a certain age like term life insurance. People find it comforting to know that they will always be covered for as long as they live, and they don’t have to worry about losing their coverage due to their age or health.
How much coverage can I get?
Let’s say you’re forced to take a modified whole life insurance program.
How much coverage can you apply for?
Some products cap coverage maximums at $10,000 for modified whole life insurance programs. Others cap it at $25,000 in coverage.
If you have a condition that only modified whole life insurance will take, contact us if you want more than $10,000 in life insurance coverage (or less).
We have access to carriers that will write well above $25,000 if your need requires it.
Don’t need $10,000 in life insurance, much less $5,000?
Not a problem.
We at Buy Life Insurance For Burial have access to carriers that go all the way down to $1,000 in life insurance coverage.
Crazy, I know. But sometimes this is perfect for the person who just wants an inexpensive direct cremation.
Bottom line, we can get the exact amount of coverage you need.
What can my coverage pay for when I pass away?
Let’s say you go this route and get a modified plan.
What does it actually cover?
As with any life insurance contract, the policy is designed to pay the death benefit to the named beneficiary.
What the beneficiary actually DOES with the money… is ENTIRELY up to him.
Of course, with a large final expense bill, most likely they’ll choose to pay it off with the life insurance coverage.
And your beneficiary can expect to use the death benefit to pay for all final expenses, including your casket, the funeral service, etc.
What if you need to pay off debts?
You can direct your beneficiary ahead of time to use the life insurance proceeds to do just that.
Or what if you want you want your family to just “have fun” with the money?
That’s fine, too!
Point is it’s up to the beneficiary. Technically it’s his money, after all.
This is why you ALWAYS want to choose a beneficiary you COMPLETELY trust. Somebody who will handle your final expenses and not get greedy.
Luckily, most of us don’t have that problem in our families.
But it’s smart to consider this stuff ahead of time, right? Because you’ll be dead and gone once the policy pays, after all!
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
Final thoughts from Dave
1. Remember… Modified whole life insurance is the LAST choice, NOT the first.
First of all, I can’t help but overemphasize the fact that modified whole life insurance is the trump card.
You should ONLY accept a modified life insurance policy after all other options have been exhausted.
And if you are working with a “one-trick pony” agent that only represents one company, be wary if you are offered a modified whole life insurance policy.
Odds are good you can do better elsewhere.
2. You deserve the BEST you can qualify for.
If you die within two years of most modified whole life insurance policies, your family is in dire straights financially.
Why? Because modified whole life insurance ONLY refunds the premiums plus a little interest to your beneficiary as the death benefit.
And tell me… is a measly couple hundred or thousand dollars REALLY going to do any good towards a $10,000 to $15,000 burial?
I think not!
This is why you DESERVE THE BEST and should ALWAYS try to get something better than modified whole life insurance.
Always try to qualify for more comprehensive coverage first before resorting to a graded whole life insurance policy.
Sure, you may ONLY qualify for modified whole life insurance. But at least first TRY to get something better, right?
I’ve insured countless people who originally had modified whole life, where I was able to replace it with first-day full natural death coverage.
3. Avoid Agents Working For One Company Only
When you’ve been in the business as long as I have, you know there is NO excuse to insure a client with a two-year waiting period policy when they don’t have to.
It’s a crime!
Agents should strive to do the BEST job for their clients. But so many don’t!
Why? They’re lazy. They don’t care about best options for their clients. They just throw something at you and hope it sticks.
But you, as the client, deserve the best options that are out there.
Too often folks end up with a modified plan. And nobody like me is there to teach them about better options potentially available.
And some will tragically die earlier than expected and not get a full death benefit payout that they could have if they had known their options. Sad!
Moral of the story
Bottom line, work hard upfront to find the best deal NOW. Don’t wait after the fact.
However, if you’re watching this after the fact, no problem.
This is your opportunity to make a change for the better!
We here at Buy Life Insurance For Burial can show you better options… show you how to replace inferior coverage with superior life insurance coverage!
And if you MUST go with a modified whole life insurance product?
Then work with an independent insurance agent broker who can shop around to find the best coverage.
Independent insurance agents represent multiple life insurance companies.
And that’s why I do what I do!
Buy Life Insurance for Burial hopes you enjoyed this content on modified whole life insurance. We hope we have conveyed why it is important to take action in finding a life insurance policy that helps you to accomplish your coverage needs.
If you would like some help, allow us to suggest that you contact us. We are here to help you, and the process is very simple. There is no stress or obligation involved.
This is what you do:
You can call us direct at (888) 626-0439. You will speak with one of our representatives who is an expert in the life insurance field. They will go over your options with you and explain how the program would work for you if you were to move forward with us.
Also, you can:
Message us, now! We have a form on the left-hand side and bottom of the screen that you can submit. Or just go here to request a free quote.
All you have to do is tell us how we can help you and where to contact you. Then, we will follow up within the next 24 business hours addressing your message’s concerns.
Thank you for finishing this article. Again, we hope it was informative!