I am not into FE, but I believe that all the major FE carriers have a GI plan with limited benefit (graded death benefit) for the first two years for those who cannot qualify for the full coverage.
Shenandoah Life should do from $2000 to $10,000 on New Vista III (simplified issue whole life). Premium and graded-or-not benefit will depend on state of residence.
United Home Life could go $2000 to $50,000, depending on state of residence. If available in state, product should be graded benefit.
I am sure there are others, but these are the first 2 that come to mind that we have available.
Hi,
Columbiam Mutual bought out Farmers and Traders Life. They have a G.I. w.l.
You may call me at 718-436-1997 to discus the particulars. Leave a message with your callback number if I am not in.
Superagent