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Product
Type:
Individual
non-participating
term
insurance
(A95N-93
LL)
10,
15,
20
and
30
year
plan
periods
Minimum
Amount
Issued:
$50,000
Issue
Ages:
Elite
10:
18-75
Elite
15:
18-65
Elite
20:
18-60
Elite
30:
18-45
Rate
Classes
Available:
Preferred
plus
no
tobacco,
preferred
no
tobacco
and
tobacco,
standard
no
tobacco
and
tobacco
rates
for
male,
female
and
unisex
classes.
Also
substandard
Death
Benefit:
Level
to
age
95
Premiums:
Payable
to
age
95.
Current
plan
period
premium
rates
are
guaranteed
for
the
first
5
years.
Current
plan
period
rates
after
5
years,
and
current
annually
increasing
rates,
are
both
subject
to
change,
but
they
will
never
be
greater
than
the
guaranteed
maximum
annually
increasing
rates.
Current
annually
increasing
rates
apply
after
the
plan
period.
Guaranteed
maximum
annually
increasing
rates
apply
after
5
years.
Quantity
Discount
Factor:
$70
Optional
Benefits
Available:*
Waiver
of
Premium
Disability
Conversion
Extension
Option
Children’s
Insurance
Rider
Accelerated
Benefit
Rider
-
automatically
added
at
no
cost
unless
requested
otherwise
*
Riders
and
supplemental
benefits
may
be
subject
to
underwriting
availability
and
additional
costs.
Not
all
riders
and
supplemental
benefits
are
available
for
each
product
underwritten
by
The
Lafayette
Life.
For
more
information
contact
your
agent.
Conversion
Period:
Five
years,
or
through
age
69,
whichever
occurs
first.
Election
of
the
conversion
extension
option
extends
this
period
to
20
years
or
through
age
69,
whichever
occurs
first.
During
the
conversion
period,
the
policy
can
be
converted
to
any
permanent
plan
of
insurance
we
offer
without
evidence
of
insurability.
Reentry:
A
one-time
only
reentry
is
permitted,
with
full
underwriting
at
the
end
of
five
years.
By
company
practice
reentry
will
also
be
allowed
at
the
end
of
the
plan
period,
also
with
full
underwriting.
At
that
time,
the
insured
can
reenter
the
given
plan
of
insurance
as
long
as
the
maximum
issue
age
for
that
plan
has
not
been
exceeded.
Current
Company
practice
is
not
guaranteed
and
is
subject
to
change.
Keeping
The
Policy
In
Force:
As
long
as
you
pay
the
required
premium,
this
policy
is
guaranteed
to
continue
in
force.
Form
#1973
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