- 6,990
well that's a tricky question. Graded could mean 30%/70%/100% or more likely and in most cases it means to year return of premium 100% death benefits after 24 months.but again, if you really want some help we need to know some specifics. Just because someone is in poor health does not mean that they need a two-year waiting period on their life insurance.What is a graded plan?