Americo Financial Life and Annuity Insurance Company

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!

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Classic LifeUniversal Life Insurance

06-143-1 For Agent Use Only Policy Series 075

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What Makes Americo Different?

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

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. *"Admitted Assets, Top Life Writers-2005," A.M. Best Co., as of July 2006.

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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

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Peace of Mind A Business Tool Family Protection A Retirement Tool

Life Insurance OverviewWhat is Life Insurance?

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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?

Life Insurance OverviewLife Insurance Questions

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.

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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?

Life Insurance OverviewHow 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.

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Term Permanent

Life Insurance OverviewWhat kind of life insurance should your client buy?

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Younger and healthier clients usually get lower rates.

If you wait too long, you may take the risk of not qualifying for any insurance.

Life Insurance OverviewWhen 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.

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A company that offers:Strong RatingsCompetitive ProductsGreat Service

Life Insurance OverviewWhat company should you represent?

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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%

Classic LifeWhat is Classic Life?

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Waiver of Cost of Insurance Spouse Insurance Children’s Insurance Accidental Death Benefit Life Insurance Protection Guaranteed Insurability Benefit Rider

Classic Life

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

Valuable Benefit Riders

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Classic Life

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

Underwriting

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Younger Individuals Smokers

• Issue ages 18-75• Minimum face as low as $25,000• Smoker rating is cigarettes only*

Classic Life

*Cigar, smokeless tobacco, and pipes qualify for nonsmoker ratings.

Policy Series 075

Product Positioning

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Easy to Sell Do you have clients who chew

tobacco, smoke cigars, or a pipe and would like a nonsmoker rating?

Classic Life

Policy Series 075

Product Positioning

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Questions? Comments? A friendly sales support representative is standing

by to assist you.

Call us at 800.231.0801, ext. 8410 today!

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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.