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Lafayette Life’s Protector 15 provides your loved ones with a lump-sum cash payment to help with unexpected final expenses like:
Protector 15 Simplified Issue Whole Life Policy is designed for people who are looking for guaranteed life insurance coverage without the need for customary medical exams, or blood or urine tests.
Simplicity. The application has a few simple health questions. Acceptance is based on your answers on the health questions, along with other information you provide or give us permission to obtain. There are no customary medical exams, or blood or urine test required.
Guaranteed, Fixed-Level Premiums. The premium you pay today will be the same premium you pay in later years. Coverage may be purchased using single premium or premium payments made annually, semi-annually, quarterly or monthly by automatic bank draft.
Flexibility. If you are between the ages of 40 and 85, you can choose a face amount between $3,000 1 and $50,000 using level premiums, or as high as $250,000 using a single premium.2
Guaranteed, Lifetime Coverage. Your coverage cannot be terminated, even if you become uninsurable later in life, as long as premiums are paid and policy loans do not exceed the total cash value.3
Discuss with your Lafayette Life agent whether a Protector 15 Simplified Issue Whole Life insurance policy is appropriate for you. Consider your age, financial situation, and insurance and income needs.
1 Minimum face amount is $5,000 for the state of Washington.
2 Maximum single premium is $250,000 death benefit or $100,000 premium, whichever is lesser for issue ages 40-80. For issue ages 81-85 maximum premium is $25,000.
3 Protector Graded Death Benefit policy has a modified benefit period for the first three policy years.
The Lafayette Life Insurance Company, Cincinnati, Ohio, operates in D.C. and all states except New York, and is a member of Western & Southern Financial Group, Inc.
Protector 15 Whole Life Insurance Policy ICC14 LL-03 1408, ICC14 LL-04 1408 and ICC14-LL-05 1408 issued and guaranteed by The Lafayette Life Insurance Company. Guarantees are based on the claims-paying ability of the company. Product approval, availability and features may vary by state. The Lafayette Life Insurance Company and its agents do not offer legal or tax advice. The information contained herein is general in nature and for informational purposes only. Always consult an attorney or tax advisor regarding your specific legal or tax situation.
Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, or any other federal entity, have no bank guarantee, and may lose value.