07-277-5 (03/08)© Americo For agent use only. Not for public use. Policy Series 281/282/283/284

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Ultra Protector Series

New!• Minimum face lowered from

$5,000 to $2,000• Issue ages reduced for UP I and II• One application for all three

products*• Designed for automatic processing

and quick issue

*State variations apply.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Why Sell Ultra Protector Series?

Three products to fit different situations: Ultra Protector I - Full death benefit

Ultra Protector II - 2-year graded death benefit*

Ultra Protector III - 3-year graded death benefit*; guaranteed issue ; no need to answer health questions**

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

07-277-5 (03/08)© Americo For agent use only. Not for public use.

• Full death benefit payable for accidental death

• Face amounts from $2,000 to $30,000

• Coverage cannot be cancelled because of age or health

Why Sell Ultra Protector Series?

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Why Sell Ultra Protector Series?

• Simple application process

• No medical exams - only a few simple medical questions to answer

• Every client can qualify for coverage*

*Subject to issue age limits and state availability.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Why Sell Ultra Protector Series?

• Guaranteed level premiums

• Quick issue - 4-day turnaround on clean applications

• Non-smoker rating class defined as no cigarettes for last 12 months

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Complete marketing package

Why Sell Ultra Protector Series?

Agent:•Online agent training – 24/7•WebEx sales training•Simple application process •Quick issue – 4-day turnaround on clean applications•Easy quote illustration and PDA software•Pre-approved recruiting ads

Client:•Client presentation•Final Wishes Planning Guide•Planning worksheet•Client brochure with application•Client video•Client lead letters•Spanish sales materials

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Product Details

• Minimum Face Amount: $2,000

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

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Product Details

Issue ages, age last birthday:

Ultra Protector I: Non-smoker: 50-85; Smoker: 50-80

Ultra Protector II: 50-80

Ultra Protector III: 50-75

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Product Details

Riders and Additional Features• Accelerated Benefit Payment Rider (Rider Series 2146)

included at no additional cost. (Ultra Protector I only) (not available in all states)*

• Children’s Term Rider (Rider Series 2147) available for $11 per $1,000 annually. (Ultra Protector I only)

• 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.

*State variations apply.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Underwriting

• Issued on an Accept/Reject basis

• MIB ordered*

• In some circumstances a PHI will be required*

*Only on Ultra Protector I and II.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Underwriting

Ultra Protector I issued if: all health questions on the

application are answered “no” (both parts 1 and 2)

height and weight are within guidelines

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

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Underwriting

Ultra Protector II issued if: 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 guidelinesMIB records are clear or provide no

information that is inconsistent with health history given on the application.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Underwriting

Ultra Protector III issued if: no health questions are answered on the

application

OR any “yes” answers are reported in Part 1

of the application

OR applicant does not qualify for Ultra

Protector I or II and agrees that they are willing to accept any Ultra Protector product (section 4 of application)

State variations apply.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Underwriting

07-277-5 (03/08)© Americo For agent use only. Not for public use.

New Application – Series 5099

SAMPLE

State variations exist.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

New Application – Series 5099

SAMPLE

State variations exist.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

New Application – Series 5099

SAMPLE

State variations exist.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

New Application – Series 5099

SAMPLE

State variations exist.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Product Positioning

• Seniors• Funeral and burial expenses• Plus…

• Fast, efficient underwriting

• 3 options to get a policy issued*

• Low face amounts

*State variations exist.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Ultra Protector Series

• Available for sale March 3, 2008• Approved states (as of 3/1/08): AR*, CO,

CT, DE, DC, FL, ID, KS, KY, LA, MI, NE, NH**, NM, NC*, ND, OH, SC, SD, TN, TX, WV*, **, and WY.

*Full death benefit immediately in AR, NC, & WV for Ultra Protector II.

**2-year graded death benefit in NH & WV for Ultra Protector III.

Please note: Eagle Series (Policy Series 207/233) and Ultra Protector (Policy Series 248/250) will no longer be available in the states listed above after April 1, 2008.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Marketing Materials

• Available to order or download from Agent Café, www.americo.com

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Additional Sales Tools

Final Wishes Planning Guide– Clients can record personal

information, pre-plan burial and funeral preferences, and consolidate financial data all in one place.

– Use this guide in conjunction with lead generation efforts, as a value-added benefit during the sale, or simply to say thank you to a client or prospect.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Additional Sales Tools

Spanish materials – Client brochure– Client worksheet– Client presentation– Pre-approved client and agent

recruiting ads

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Quoting Ultra Protector Series

• Americo Insurance Desk Quoting Software

• PDA Software

• Quick Quotes and Rate for Monthly Premium brochures

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Marketing and Sales Support

• Customized licensing and welcome kits

• Co-branded materials

• Pre-approved recruiting and client advertising

• Pre-sale assistance through Sales Support

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Sales Support

• Questions? Comments? Contact Americo Sales Support at 800.231.0801, ext. 8410 for all of your pre-sale questions.

07-277-5 (03/08)© Americo For agent use only. Not for public use.

Important Notices

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 (Americo), Kansas City, MO and may vary in accordance with state laws. Some products and benefits may not be available in all states. Some riders are optional and may be available at an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions.