Introducing Patriot Now

Effective November 16, 2024 everywhere except CA, FL, NY, SC, and SD. 

Lafayette Life is thrilled to announce the launch of our NEWEST whole life product. Patriot Now offers the same popular features as Patriot 2022 with a new, rapid underwriting process that issues eligible policies in 3-5 days WITHOUT a physical exam or phone interview.

Now faster than ever before clients can count on the timeless value of whole life insurance for individual and business needs. With modern features like early cash value accumulation, guaranteed death benefit and eligibility for Lafayette Life’s STRONG dividend paying history.*

Key Features and Benefits

• Issues ages: 18-60
• Minimum amount issued: $25,000
• Eligible face amounts:
  • 18-50: maximum underwritten amount $1 million
  • 51-60: maximum underwritten amount $250,000

Underwritten amount includes the face amount of the base policy plus the face amount of any term rider, plus any amount for Paid-Up Additions riders. 

• Rate classes:
  • No Tobacco Plus + Tobacco Plus
  • No Tobacco + Tobacco
• Expedited underwriting process designed to potentially eliminate invasive medical requirements when certain qualifications are met
• Fully digital process from application to delivery
• Generally income tax-free death benefit
• Early cash value accumulation
• Potential for supplemental retirement income or distributors later in life**
• Accelerated Death Benefit Plus rider included for no extra charge where available ***
• Optional riders offered to enhance coverage including as Paid Up Additions, Term Life, Waiver of Premium, and Premium Deposit Fund ***