Twenty Pay Graded-Benefit Whole Life Policy

A Twenty Pay Graded-Benefit Whole Life Policy offered by Trans World Assurance accumulates cash value while providing a lifetime of life insurance protection.

Trans World Assurance's Twenty Pay Graded-Benefit Whole Life Policy offers the following benefits:

  • Provides coverage to individuals with health issues that would normally be denied life insurance coverage
  • Offers guaranteed death benefits
  • Offers guaranteed cash value accumulation
  • Offers permanent life insurance protection after the twenty years of premium are paid

For more information about coverage, riders, restrictions, costs, and fees call Trans World Assurance at (650) 348-2300.


This policy is a Twenty Pay Whole Life Insurance Policy with a Graded Death Benefit during the first two policy years. The accidental death benefit during the first two policy years is equal to the face amount of the policy. The natural death benefit during the first two policy years is equal to a return of premiums paid that is accumulated at 10% interest. In the event death occurs after the first two policy years the full face amount of the policy will be paid, or at any time should the cause of death result from accidental bodily injury.

  • Issue Ages: 16-60
  • Maximum Limit: $10,000
  • Premium rates are not differentiated by gender, but are differentiated by Tobacco use classification.
  • Policy Limit: $10,000

Consider all the facts, then make your own decision.

Of course, when you select a life insurance policy, you must be careful and consider your own financial situation and the many alternatives available to you. No single life insurance product may have all of the features you find desirable. Therefore, it is important to understand the features available so that you can make the best decision for you and your family.

The information contained within this marketing material can not be used or relied upon for the purposes of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. When managing your tax or legal matters you should always seek professional counsel for advice.