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Ultra Protector

Ultra Protector. Americo Financial Life and Annuity Insurance Company. Product Training. Life Insurance. What is Life Insurance? Peace of Mind Business Tool Family Protection Retirement Tool. Life Insurance. Life Insurance Questions How much life insurance does a client need?

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Ultra Protector

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  1. Ultra Protector Americo Financial Life and Annuity Insurance Company Product Training

  2. Life Insurance • What is Life Insurance? • Peace of Mind • Business Tool • Family Protection • Retirement Tool

  3. Life Insurance • 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?

  4. Life Insurance • How much life insurance does a client need? • 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 family?

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

  6. Life Insurance • When is the best time for your client to purchase life insurance? • Younger and healthier clients usually get lower rates. • If you wait too long, you take the risk of not qualifying for any insurance.

  7. Life Insurance • Which company should you represent? • A company that offers: • Strong Ratings • Competitive Products • Great Service

  8. Ultra Protector • What is Ultra Protector? • A Whole Life policy with: • Simplified Underwriting • Guaranteed level premiums for the life of the policy* • Access to cash through policy loans** • Face amounts as low as $5,000 * Subject to minimums ** Certain restrictions apply Policy Series 248/250

  9. Ultra Protector • What is Ultra Protector? • Ultra Protector I • Must answer NO to all health questions to qualify • Level death benefit • Issue ages 55 to 85 for non-nicotine • Issue ages 55 to 80 for nicotine • Ultra Protector II • Must answer NO to all health questions in Part 1, but will still receive coverage if any questions in Part 2 are answered YES • Graded Death Benefit • Issue ages 55 to 80* * Issue ages 55 to 75 for Missouri Policy Series 248/250

  10. Ultra Protector • Benefits • Ultra Protector I • Accelerated Benefit for Terminal Illness(Rider Series 2146) • Ultra Protector II • Accidental Death Benefit (Rider Series 2148) • Both Offer • Simplified Underwriting • Low Face Amounts • Guarantees • Simplicity Policy Series 248/250

  11. Ultra Protector • Ultra Protector I Benefits • Accelerated Benefit for Terminal Illness* • No additional cost • Life expectancy of 12 months or less • Americo will advance up to 50% of the death benefit** • Up to a $250 administrative fee is applied when the benefit is paid * Not available in all states and variations may apply by state.. ** The benefit will be reduced by the amount of any outstanding policy loans and will not exceed $15,000. The minimum benefit is $2,500. Policy Series 248/250

  12. Ultra Protector • Ultra Protector II Benefits • Accidental Death Benefit • No additional cost • If death occurs as the result of an accident during the first 2 policy years, the full death benefit is payable. Policy Series 248/250

  13. Ultra Protector • Product Positioning • Seniors • Private individuals • Less healthy people • Funeral and burial expenses • Simplified underwriting • 2 options to get a policy issued • Low face amounts Policy Series 248/250

  14. Ultra Protector • Easy to Sell • Mr. and Mrs. Smith, would knowing that your final expenses are not going to be a burden on your loved ones be a good thing? • PLUS: • No intrusive underwriting • Face amounts as low as $5,000 • Guaranteed level premiums* *Subject to minimums Policy Series 248/250

  15. LIFE PRODUCTS 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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