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Protector 2022 Simplified Issue Whole Life Insurance

Protector 2022 Simplified Issue Whole Life Policy is designed for people who are willing to pay a higher premium for a guaranteed issue life insurance policy without the need for customary medical exams, or blood or urine tests. Protector 2022 provides your loved ones with a lump-sum cash payment to help with unexpected final expenses like medical bills, funeral expenses, probate and legal fees and mortgage or other unpaid bills. 
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Benefits of Protector 2022 Whole Life Insurance

Our Protector 2022 Simplified Issue Whole Life Insurance policy comes with many benefits and features:

The application has a few simple health questions. Acceptance is based on your answers to 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 Premiums

The premium you pay today will be the same premium you pay in later years. Coverage may be purchased using a single premium or premium payments made annually, semi-annually, quarterly or monthly by automatic bank draft.

If you are between the ages of 40 and 85, you can choose a face amount between $3,000 and $50,000 using level premiums, or as high as $250,000 using a single premium.1
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. This policy has a modified benefit period for the first three policy years.
Protector 2022

What You Need to Know About Protector 2022 Whole Life Insurance

Read through our product brochure to get all the details about Protector 2022 Simplified Issue Whole Life Insurance.

Protector 2022 Simplified Issue Whole Life Insurance Product Guide (PDF)

Let’s Team Up for Success

You and Lafayette Life could be a winning combination together. Whether you are ready to become a Financial Representative or would like to learn more about working with Lafayette Life, we are eager to hear from you. 

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.

Life insurance policy guarantees are subject to the timely payment of premiums. Loans, withdrawals and advances will reduce the death benefit and cash surrender value and may cause the policy to lapse. The lapse or surrender of a policy with an outstanding loan may result in taxable income. 

Life insurance products are issued and guaranteed by the Lafayette Life Insurance Company. Guarantees are based on the claims-paying ability of the company. The Lafayette Life Insurance Company, Cincinnati, Ohio, operates in D.C. and all states except NY, and is a member of Western & Southern Financial Group, Inc.

Protector 2020 Whole Life Insurance Policy ICC21 LL-03 2104, ICC21-LL-05 2104 and Single Premium Whole Life Insurance Policy ICC21 LL-04 2104 issued by The Lafayette Life Insurance Company. Product approval and rider features and benefits may vary and may not be available in all states. The Lafayette Life Insurance Company does not provide legal or tax advice. Please contact your tax or legal advisor regarding your situation.

Life insurance is not intended to be used as a savings product, retirement plan, or investment vehicle. Lafayette Life’s role is strictly limited to providing life insurance policies and annuity contracts. Any other services a Lafayette Life independent agent provides to applicants and policyholders, including but not limited to financial planning, estate and retirement planning, tax planning, or investment planning, are not provided on behalf of Lafayette Life.