Americo Financial Life and Annuity Insurance Company

1. Americo Financial Life and Annuity Insurance Company We will begin shortly Classic Life Universal Life Insurance Agent Training Guide Why Americo? Life Insurance Overview Product Summary Questions? Comments? A friendly sales support representative is standing by to assist you. Call us at 800.231.0801, ext. 8410 today! 06-143-1 For Agent Use Only Policy Series 075

2. What Makes Americo Different? Did you know? Americo currently has 800,000 policies under administration and over $37 billion of insurance in force. That’s growth of more than 67% over the past 10 years. • One of the largest, independently held insurance companies in the United States* • Steadily increasing assets • Dedicated to the independent agent distribution • Service driven • Focused markets • Senior, Mortgage, General Life *"Admitted Assets, Top Life Writers-2005," A.M. Best Co., as of July 2006.

3. What Makes Americo Different? • Direct access to underwriter • Superior Home Office support dedicated to getting your business placed quickly and effortlessly • Online tools that help before, during, and after the sale. Check out our agent website today, www.americo.com Call your Americo Underwriter today at 800.231.0801

4. Life Insurance Overview What is Life Insurance? • Peace of Mind • A Business Tool • Family Protection • A Retirement Tool

5. Life Insurance Overview Life Insurance Questions • How much life insurance does a client need? • What kind of life insurance should your client buy? • When is the best time for your client to purchase life insurance? • Which company should you represent? Did you know? “More than two in ten U.S. households have no life insurance at all, and even among the households with coverage, 40% believe they need additional coverage.” Source: LIMRA International, Trillion Dollar Baby, The Sales Potential of the Underinsured Life Market, 2005.

6. Life Insurance Overview How much life insurance does a client need? Did you know? “Typical workers with dependents need death benefits equal to at least five times their annual earnings. But death benefits for the majority of group life plans are equal to just one year of a participant’s earnings.” Source: LIMRA International, Trillion Dollar Baby, The Sales Potential of the Underinsured Life Market, 2005. • How much of a legacy do they want to leave behind? • How much debt do they want to pay off for family? • How long do they want to subsidize the lost income from their death? • What responsibilities do they have that may become a burden on the family?

7. Life Insurance Overview What kind of life insurance should your client buy? • Term • Permanent

8. Life Insurance Overview When is the best time for your client to purchase life insurance? Did you know? “More than half of consumers said they would like to review their life insurance needs at least every two years.” Source: LIMRA International Press Release dated April 6, 2005. • Younger and healthier clients usually get lower rates. • If you wait too long, you may take the risk of not qualifying for any insurance.

9. Life Insurance Overview What company should you represent? A company that offers: • Strong Ratings • Competitive Products • Great Service

10. Classic Life What is Classic Life? • Issue ages • 18 -75 (age last birthday) • Minimum face • $25,000 (NSS - $100,000) • Level and increasing death benefits • Guaranteed minimum interest rate – 3.5% • Additional interest rate credits – up to 1.0%

11. Classic Life Valuable Benefit Riders • Waiver of Cost of Insurance • Spouse Insurance • Children’s Insurance • Accidental Death Benefit • Life Insurance Protection • Guaranteed Insurability Benefit Rider Waiver of Cost of Insurance Rider (Rider Series 2060), Spouse Insurance Rider (Rider Series 2059), Children’s Insurance Rider (Rider Series 2018), Accidental Death Benefit Rider (Rider Series 2061), Life Insurance Protection Rider (Rider Series 2066), and Guaranteed Insurability Benefit Rider (Rider Series 2080).Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. Policy Series 075

12. Classic Life Underwriting Underwriting Classes • Non-smoker Select (NSS) • Non-smokers with no medical impairment ratings • Select • Smokers with no medical impairment ratings; non-smokers through Table 4 • Standard • Smokers through Table 4 • Non-smoker definition - no cigarettes, last 12 months • Tables 1 through 16 Underwriting • Non – med • To $100,000 thru age 65 • To $250,000 thru age 40 with agent collected saliva • Larger amounts – see underwriting guidelines

13. Classic Life Product Positioning • Younger Individuals • Smokers • Issue ages 18-75 • Minimum face as low as $25,000 • Smoker rating is cigarettes only* *Cigar, smokeless tobacco, and pipes qualify for nonsmoker ratings. Policy Series 075

14. Classic Life Product Positioning Easy to Sell • Do you have clients who chew tobacco, smoke cigars, or a pipe and would like a nonsmoker rating? Policy Series 075

15. Questions? Comments? A friendly sales support representative is standing by to assist you. Call us at 800.231.0801, ext. 8410 today!

16. Neither Americo Financial Life and Annuity Insurance Company nor any agent representing Americo Financial Life and Annuity Insurance Company is authorized to give legal or tax advice. Please consult a qualified, professional legal or tax advisor regarding the information and concepts contained in this material. Products are underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions apply. For further information, please refer to the policy or contact Sales Support at 800.231.0801 ext. 8410.