07-277-5 (07/12)©Americo For agent use only. Not for public use. 1.

07-277-5 (07/12)©Americo For agent use only. Not for public use. 1


Why Sell?Why Sell?

Quick Issue, Quick PayDesigned for automatic processing and quick issueSimple application process: no medical exams – just a few medical questions to answer.1

No telephone interview required at point-of-saleQuick issue – 4-day turnaround on clean applicationsCompetitive commissions paid daily1Issuance of policy may depend upon answers to medical questions.


Why Sell?Why Sell?

Unique Non-Smoker ClassificationNon-smoker defined as a person who has not smoked cigarettes for at least 12 months prior to the application completion dateSmokeless tobacco, pipe, and cigar smokers qualify as non-smoker


Why Sell?Why Sell?

Guaranteed CoverageGuaranteed coverage available for every client1

Rates never increase; guaranteed level premiumsCoverage cannot be cancelled because of age or health

1Subject to issue age limits & state availability.


Why Sell?Why Sell?

Tools to Help You Make the SaleQuote ToolsLead lettersPre-approved advertisingOne piece to document final planning detailsSpanish materials


Sales ToolsSales Tools

Slide Rule Quote Tool: Order Online Using Form Number 07-277-16



Quoting SoftwareAll examples shown are hypothetical and intended only for illustrative, educational purposes. Figures used in the hypotheticals are not guaranteed or indications of actual coverage amounts.



Quick QuotesOrder Online: Use Form Number 07-277-15 in AR, MA, MN, MO, NJ, NC or WV Or Form Number 07-277-13 in all other states.


Client Presentation

Flip chart with agent’s notes

Client video Both available

for order at www.americo.com



Final Wishes Planning GuideUsed with clients for:

• Lead generation• Value added during sale• Thank you after sale

Clients record important information all in one place:

• Personal data• Plan for burial/funeral

expenses• Financial data



Pre-approved Client AdvertisingLead lettersPostcardsBusiness reply mailerNewspaper ad



Spanish Materials Client brochure,

worksheet, presentation

Final Wishes Planning Guide

Pre-approved client and agent recruiting ads



Sales Tools Sales Tools WebsiteWebsiteLearn more and request a sales kit at

www.AmericoUltraProtector.com


Why purchase Why purchase final expense final expense

insurance?insurance?Ask your client …

If you died tomorrow, would your loved ones be

prepared to pay your final expenses?Did you know that the average funeral

costs $12,000-$15,000?

1Source: Wiley, Chad. "The Average Cost Of A Funeral In The United States." Article Snatch Free Article Directory. 26 July 2010, http://www.articlesnatch.com/Article/The-Average-Cost-Of-A-Funeral-In-The-United-States/490478.


Consider the following when estimating the costs for funeral and/or burial arrangements:Professional funeral service chargesTransfer of the deceased to the funeral homeCasketGrave PlotViewing FacilitiesHeadstone and engraving


insurance?insurance?


Proceeds may help beneficiaries pay:• Funeral expenses and associated costs• Unexpected medical bills incurred during a

final illness Supplements other life insurance that won’t

cover costs today due to:• Inflation• Increase in burial costs• Change in client’s needs


insurance?insurance?


OvervieOverviewwThree Products to Fit Different Health

ProfilesUltra Protector I: Full death benefit day oneUltra Protector II: 2-year graded death benefit1

Year 1: Return of premium plus 5%Year 2: Greater of return of premium plus 10% or 50% of face amountYear 3: 100% of face amount(Full death benefit day one in AR, MA, MN, MO, MT, NC, NJ, & WV)

Ultra Protector III: 3-year graded death benefit1; guaranteed issue2

Year 1: Return of premium plus 5%Year 2: Return of premium plus 10%Year 3: 75% of face amount (100% in IL, NH, NJ, WV)Year 4: 100% of face amount

Accidental Death Benefit included for Ultra Protector II and Ultra Protector III during graded death benefit period.

1State variations apply. 2Subject to issue age limits and state availability.


OverviewOverviewState AvailabilityNot available in AL, MS, NY & VTUltra Protector I: Available in all other statesUltra Protector II: Available in all other states except WAFull death benefit state variation: AR, MA, MN, MO, MT, NC, NJ, & WVUltra Protector III: Available in all other states except AR, MA, MN, MT, PA, & WATwo-year graded death benefit state variation: IL, NH, NJ, & WVIssue Ages (age last birthday)Ultra Protector I: Non-smoker: 50-85; Smoker: 50-80Ultra Protector II: 50-80Ultra Protector III: 50-75


OverviewOverviewFace Amounts (all states except WA)

Minimum Face Amount: $2,000 Maximum Face Amount:

• Ultra Protector I and II: $30,000• Ultra Protector III: $10,000

Face Amounts (Washington ONLY)

Minimum Face Amounts by Issue Age

Maximum Face Amount: $30,000


OverviewOverview

Riders and Additional Features Ultra Protector I

• Accelerated Benefit Payment Rider (Rider Series 2146) included at no additional cost (not available in all states)1

• Children’s Term Rider (Rider Series 2147) available for $11 per $1,000 annually

Ultra Protector II and III• Accidental death benefit provision included at no

additional cost for Ultra Protector II and III. • If death occurs as a result of an accident during the

graded death benefit period, the full death benefit will be payable.

1State variations apply.


Who are your Who are your ideal ideal

prospects?prospects? Client Profiles

• Ages 50-85, who currently: Do not own life insurance, or Own life insurance but needs supplemental

coverage due to changing needs, or Use smokeless tobacco or is a cigar/pipe

smoker


Who are your Who are your ideal ideal

prospects?prospects? Solution

• Use Ultra Protector Series to provide $2,000 - $30,000 of whole life insurance coverage that can help: Pay final expenses, medical bills, and remaining

debt. Supplement current insurance coverage. Qualify smokeless tobacco users and pipe or cigar

smokers for non-smoker rates!


Application – Series Application – Series 50995099

State variations exist.


1Please be advised that this Prescription Drug Guide does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. Americo products listed in the Guide under the Benefit Eligibility column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, any prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change.

New Ultra Protector Series Prescription New Ultra Protector Series Prescription Drug GuideDrug Guide

NOW AVAILABLE!Over 35 pages of generic and brand drugsDrug uses and eligible Ultra Protector products available to an applicant taking one of the listed drugs.1

Download a copy at Americo.com


1Please be advised that this Prescription Drug Guide does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. Americo products listed in the Guide under the Benefit Eligibility column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, any prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change.

Note: The brand name drug is in ALL CAPS and its generic equivalent is next to it in lowercase letters. This guide allows you to search either by generic or brand name.


UnderwritingUnderwriting

Height and Weight (unisex)

Accept/Reject Ultra Protector I

and II• MIB & Rx Check

ordered• In some

circumstances a PHI will be required.


UnderwritingUnderwritingUltra Protector I All health questions in

Parts 1 & 2 are answered “no”

Height and weight are within guidelines

MIB records are clear or provide no information that is inconsistent with health history given on the application


UnderwritingUnderwritingUltra Protector II All health questions in

Part 1 are answered “no”

One or more health questions in Part 2 are answered “yes”

Height and weight are within guidelines

MIB records are clear or provide no information that is inconsistent with health history given on the application


UnderwritingUnderwritingUltra Protector III No health questions

are answered OR Any question in Part 1

is answered “yes” ORApplicant does not qualify for Ultra Protector I or II and checks box on section 4 of the application agreeing they are willing to accept any Ultra Protector product


Client: Pre-approved postcards,

business reply mailer, and newspaper ad

Lead letters Flipchart presentation Video Planning worksheet Brochure with application Final Wishes Planning

Guide Spanish sales materials

Marketing Marketing PackagePackage

Agent: Online agent training – 24/7 WebEx sales training Sales tools website available

at www.AmericoUltraProtector.com

Simple application process Quick issue – 4-day

turnaround on clean applications

Easy-to-use quote tool Pre-approved recruiting ads


MarketingMarketingMaterialsMaterials

Marketing materials available to order or download from www.Americo.com


Term, WL, UL, IUL: 100% of Paid FY Annualized Premium

Lifetime Legacy: 10% of Paid PremiumAnnuities: 4% of Paid FY Premium

Life insurance and annuity production can be combined to meet the production criteria.

Check www.Americo.com for current Summit credits.

Plan now to be a part of the 2014 Americo Summit

Plan now to be a part of the 2014 Americo Summit …

QUALIFICATIONSJuly 1, 2012 – December 31, 2013Agent: $95,000 Summit Credits

April 29 –May 4, 2014


Qualifying agents will be considered for an invitation for themselves and an adult guest. No children or substitutions will be allowed. Attendance at the convention shall be by company invitation only. Agents must be in good standing with Americo at the time of the Summit in order to attend. You must have a minimum of 15 paid policies during the qualification period. Americo reserves the right to withhold an invitation should persistency and placement ratios fall below a minimum acceptable level. Personally controlled business and internal replacements are not eligible for credit. Americo, at its sole discretion, reserves the right to modify or change any of the qualifications or offering at any time.

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY and VT.

Ultra Protector Series (Policy Series 281/282/283/284), Accelerated Benefit Payment Rider (Rider Series 2146), and Children’s Term Rider (Rider Series 2147) are underwritten by Americo Financial Life and Annuity Insurance Company and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions apply. Consult contract and riders for all limitations and exclusions.

The company reserves the right to contest coverage for up to two years due to any misrepresentations in the application. If the insured, sane or insane, dies by suicide while the contract is in force and within two years (one year in Colorado, Missouri, and North Dakota) after the issue date, the proceeds payable will be limited to the sum of premiums paid less any indebtedness. See Missouri contract for special provisions regarding suicide.

Any illustrations of future values used in a sales presentation are provided only for illustrative purposes. Any such illustration must not be regarded as guaranteed or as estimated future performance unless it is based solely on the minimum guaranteed interest rates.

Neither Americo Financial Life and Annuity Insurance Company nor any agent representing the company can give legal or tax advice. You should consult a qualified professional regarding the information and concepts contained in this material.


If you have questions on anything in this presentation, or to order

applications and sales materials, please contact Americo Sales Support

at

800.231.0801

07-277-5 (07/12)©Americo For agent use only. Not for public use. 1.

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Transcript of 07-277-5 (07/12)©Americo For agent use only. Not for public use. 1.