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Americo Financial Life and Annuity Insurance Company

Americo Financial Life and Annuity Insurance Company. We will begin shortly. Quality 25 Universal Life. Agent Training Guide Why Americo? Life Insurance Overview Product Summary.

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Americo Financial Life and Annuity Insurance Company

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  1. Americo Financial Life and Annuity Insurance Company We will begin shortly Quality 25 Universal Life 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! 06-143-10 For Agent Use Only Policy Series 119

  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 company 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. Quality 25 Quality 25 Product Features What is Quality 25? • It’s a Universal Life policy with: • Guarantees • 5 Year no-lapse with minimum premium* • Guaranteed minimum interest rate of 4.5% • Accelerated Benefit Payment Rider (Rider Series 2127) • Versatility • More than 9 Riders to tailor fit the policy • Nonsmoker is defined as no cigarettes for the last 12 months** • Interest rate bonus years 11+*** *As long as scheduled premium payments are made on time **Smokeless tobacco, cigar, and pipe qualify for nonsmoker ratings. **1% by current company practice As seen in Life Insurance Selling! Policy Series 119

  11. Quality 25 Quality 25 Product Features • Issue ages 0-80 (Age Last Birthday) • Minimum face $25,000 • Level and increasing death benefit • Access to cash through zero net cost preferred policy loans • Premium modes • Annual • Semi-annual • Quarterly • Monthly Policy Series 119

  12. Quality 25 Quality 25 Product Features Benefits • Issue ages starting at 0 • Minimum face as low as $25,000 • Smoker rating is for cigarettes only* • Cash value • Zero net cost loans** • Accelerated Benefit Payment Rider*** *Cigar, smokeless tobacco, and pipes qualify for nonsmoker ratings. **Certain restrictions apply ***Rider Series 2127. Up to 50% of the death benefit minus any outstanding policy loans, $250,000 maximum. Policy Series 119

  13. Quality 25 Valuable Riders • Accidental Death Benefit Rider • Spouse’s Level Term Insurance Rider • Waiver of Cost Of Insurance • Waiver of Specified Premium • Business Insurance Exchange Rider • Children's Level Term Insurance Rider • Decreasing Term to Age 65 Life Insurance Rider • Guaranteed Insurability Benefit Rider • Accelerated Benefit Payment Rider Accidental Death Benefit Rider (Rider series 2019), Spouse’s Level Term Ins. Rider (Rider Series 2027), Waiver of Cost of Insurance Rider (Rider Series 2029, Waiver of Specified Premium Rider (Rider Series 2030), Business Ins. Exchange Rider (Rider Series 2021), Children’s Level Term Rider (Rider Series (2022), Decreasing Term to Age 65 Life Ins. Rider (Rider Series 2023), Guaranteed Insurability Benefit Rider (Rider Series 2025), Accelerated Benefit Payment Rider (Rider Series 2127), 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 119

  14. Quality 25 Quality 25 Product Positioning • Younger Individuals • Smokers • Issue ages 0 – 80 • Minimum face as low as $25,000 • Smoker rating is cigarettes only* *Cigar, smokeless tobacco, and pipes qualify for nonsmoker ratings. Policy Series 119

  15. Quality 25 Quality 25 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 119

  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 1-800-231-0801 x8410.

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