Not an FE Case. Help Please.

I just met with a lady the sent in an FE card. She has an old Western Southern policy and wants her kids (in their 30s) to start a similar plan.

Her interests are that they have something to borrow from for home repairs and just any unexpected financial issues that may pop up later on in life.

She talked about having the premium pay back the loans that she has taken before (I'm guessing she means dividends??)

I have Lafayette. Would their WL be similar to what she has.

My main focus is FE and have yet to sell a par WL plan so any help is appreciated.
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