Ameritas Whole Life Portfolio

Access WL is built for clients who want early guaranteed cash values. It’s especially useful when showing quick equity build-up, making it attractive for debt elimination strategies and cash flow planning.

Growth WL focuses on long-term cash value accumulation. Over 20–30 years, it’s designed to steadily grow and provide a strong foundation for retirement income or funding major financial goals.

Value Plus WL provides low-cost permanent protection while still offering meaningful cash value guarantees. It’s a fit for clients who want coverage but need to manage premiums carefully.

All Ameritas Whole Life options include dividend choices such as Paid-Up Additions (default), Cash, Reduce Premiums, or Accumulate with Interest. These options give policyholders flexibility and make the products ideal for Infinite Banking (IBC) strategies and building personal financial systems.

Policies feature guaranteed contract rates (3%–3.75%) along with optional riders like Care4Life Accelerated Benefits, which provide critical, chronic, or terminal illness protection. This adds living benefits to the traditional death benefit.

The Flexible Paid-Up Rider (FPUR) allows clients to purchase additional paid-up insurance, helping to supercharge cash accumulation inside the policy. This is especially powerful when building a long-term banking system with consistent contributions.

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Lafayette Life Whole Life Portfolio

Heritage 2025 – Low, Level Premiums

Designed for long-term performance with steady cash value growth, Heritage offers clients affordable, level premiums that stay consistent for most face amounts.

Contender 2022 – Long-Term Cash Value

Focused on building strong cash accumulation over time, Contender is ideal for clients with a long horizon who want dividend potential and lasting value.

Patriot Now (Rapid Issue) – Quick Coverage, Early Value

Provides early cash value with simplified underwriting. Perfect for clients who want coverage issued quickly while still building equity in the early years.

Patriot 2022 – Early Cash Value

Offers solid guarantees with early cash build-up, making it a versatile option for clients who want permanent coverage without long premium commitments.

Sentinel 2022 – Highest Early Cash Value

Delivers the strongest early cash value in the Lafayette portfolio. Well-suited for strategies like Infinite Banking (IBC) or debt elimination planning.

10 Pay Life 2022 – Limited Premium Payment

Fully funded in just 10 level annual payments, this design appeals to clients who want permanent coverage but prefer to complete their funding in a short timeframe.

Liberty 2022 – Single Premium Whole Life

One lump-sum payment secures lifetime coverage and immediate cash value, making Liberty a fit for legacy planning or establishing long-term cash value from day one.

All Lafayette Life whole life options include dividend choices (Paid-Up Additions, Cash, Reduced Premiums, or Accumulations), multiple Paid-Up Additions Riders, Accelerated Death Benefit options, and flexible term riders. These features allow each product to be customized for protection, cash value growth, and advanced wealth-building strategies.

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