2. Why Sell? Quick Issue, Quick Pay
Designed for automatic processing and quick issue
Simple application process: no medical exams – just a few medical questions to answer.1
No telephone interview required at point-of-sale
Quick issue – 4-day turnaround on clean applications
Competitive commissions paid daily
1Issuance of policy may depend upon answers to medical questions.

3. Why Sell? Unique Non-Smoker Classification
Non-smoker defined as a person who has not smoked cigarettes for at least 12 months prior to the application completion date
Smokeless tobacco, pipe, and cigar smokers qualify as non-smoker

4. Why Sell? Guaranteed Coverage
Guaranteed coverage available for every client1
Rates never increase; guaranteed level premiums
Coverage cannot be cancelled because of age or health
1Subject to issue age limits & state availability.

5. Why Sell? Tools to Help You Make the Sale Quote Tools Lead letters
Pre-approved advertising
One piece to document final planning details
Spanish materials

6. Sales Tools
Slide Rule Quote Tool: Order Online Using Form Number

7. Sales Tools Quoting Software
All examples shown are hypothetical and intended only for illustrative, educational purposes. Figures used in the hypotheticals are not guaranteed or indications of actual coverage amounts.

8. Sales Tools
Quick Quotes Order Online: Use Form Number in AR, MA, MN, MO, NJ, NC or WV Or Form Number in all other states.

9. Sales Tools Client Presentation Flip chart with agent’s notes
Client video
Both available for order at

10. Sales Tools Final Wishes Planning Guide Used with clients for:
Lead generation
Value added during sale
Thank you after sale
Clients record important information all in one place:
Personal data
Plan for burial/funeral expenses
Financial data

11. Sales Tools Pre-approved Client Advertising Lead letters Postcards
Business reply mailer
Newspaper ad

12. Sales Tools Spanish Materials Client brochure, worksheet, presentation
Final Wishes Planning Guide
Pre-approved client and agent recruiting ads

13. Learn more and request a sales kit at www.AmericoUltraProtector.com
Sales Tools Website
Learn more and request a sales kit at

14. Why purchase final expense insurance?
Ask your client … If you died tomorrow, would your loved ones be prepared to pay your final expenses? Did you know that the average funeral costs $12,000-$15,000?
1Source: Wiley, Chad. "The Average Cost Of A Funeral In The United States." Article Snatch Free Article Directory. 26 July 2010,

15. Why purchase final expense insurance?
Consider the following when estimating the costs for funeral and/or burial arrangements:
Professional funeral service charges
Transfer of the deceased to the funeral home
Casket
Grave Plot
Viewing Facilities
Headstone and engraving

16. Why purchase final expense insurance?
Proceeds may help beneficiaries pay:
Funeral expenses and associated costs
Unexpected medical bills incurred during a final illness
Supplements other life insurance that won’t cover costs today due to:
Inflation
Increase in burial costs
Change in client’s needs

17. Overview Three Products to Fit Different Health Profiles
Ultra Protector I: Full death benefit day one
Ultra Protector II: 2-year graded death benefit1
Year 1: Return of premium plus 5% Year 2: Greater of return of premium plus 10% or 50% of face amount Year 3: 100% of face amount (Full death benefit day one in AR, MA, MN, MO, MT, NC, NJ, & WV)
Ultra Protector III: 3-year graded death benefit1; guaranteed issue2
Year 1: Return of premium plus 5% Year 2: Return of premium plus 10% Year 3: 75% of face amount (100% in IL, NH, NJ, WV) Year 4: 100% of face amount Accidental Death Benefit included for Ultra Protector II and Ultra Protector III during graded death benefit period.
1State variations apply. 2Subject to issue age limits and state availability.

18. Overview State Availability Not available in AL, MS, NY & VT
Ultra Protector I: Available in all other states
Ultra Protector II: Available in all other states except WA Full death benefit state variation: AR, MA, MN, MO, MT, NC, NJ, & WV
Ultra Protector III: Available in all other states except AR, MA, MN, MT, PA, & WA Two-year graded death benefit state variation: IL, NH, NJ, & WV
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

19. Overview Minimum Face Amount: $2,000 Maximum Face Amount:
Face Amounts (all states except WA)
Minimum Face Amount: $2,000
Maximum Face Amount:
Ultra Protector I and II: $30,000
Ultra Protector III: $10,000
Face Amounts (Washington ONLY)
Minimum Face Amounts by Issue Age
Maximum Face Amount: $30,000
$5,000
$25,000
Male Non-smoker
50-66
67-85
Male Smoker
50-60
61-80
Female Non-smoker
50-72
73-85
Female Smoker
50-69
70-80

20. Overview Riders and Additional Features Ultra Protector I
Accelerated Benefit Payment Rider (Rider Series 2146) included at no additional cost (not available in all states)1
Children’s Term Rider (Rider Series 2147) available for $11 per $1,000 annually
Ultra Protector II and III
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.
1State variations apply.

21. Who are your ideal prospects?
Client Profiles
Ages 50-85, who currently:
Do not own life insurance, or
Own life insurance but needs supplemental coverage due to changing needs, or
Use smokeless tobacco or is a cigar/pipe smoker

22. Who are your ideal prospects?
Solution
Use Ultra Protector Series to provide $2, $30,000 of whole life insurance coverage that can help:
Pay final expenses, medical bills, and remaining debt.
Supplement current insurance coverage.
Qualify smokeless tobacco users and pipe or cigar smokers for non-smoker rates!

23. Application – Series 5099
State variations exist.

24. Application – Series 5099
State variations exist.

25. Application – Series 5099
State variations exist.

26. NOW AVAILABLE! New Ultra Protector Series Prescription Drug Guide
Over 35 pages of generic and brand drugs
Drug uses and eligible Ultra Protector products available to an applicant taking one of the listed drugs.1
Download a copy at Americo.com
1Please be advised that this Prescription Drug Guide does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. Americo products listed in the Guide under the Benefit Eligibility column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, any prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change.

27. Note: The brand name drug is in ALL CAPS and its generic equivalent is next to it in lowercase letters. This guide allows you to search either by generic or brand name.
1Please be advised that this Prescription Drug Guide does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. Americo products listed in the Guide under the Benefit Eligibility column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, any prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change.

28. Underwriting Height and Weight (unisex) Accept/Reject
Ultra Protector I and II
MIB & Rx Check ordered
In some circumstances a PHI will be required.

29. Underwriting Ultra Protector I
All health questions in Parts 1 & 2 are answered “no”
Height and weight are within guidelines
MIB records are clear or provide no information that is inconsistent with health history given on the application

30. Underwriting Ultra Protector II
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 guidelines
MIB records are clear or provide no information that is inconsistent with health history given on the application

31. Underwriting Ultra Protector III No health questions are answered OR
Any question in Part 1 is answered “yes” OR
Applicant does not qualify for Ultra Protector I or II and checks box on section 4 of the application agreeing they are willing to accept any Ultra Protector product

32. Marketing Package Client: Agent:
Pre-approved postcards, business reply mailer, and newspaper ad
Lead letters
Flipchart presentation
Video
Planning worksheet
Brochure with application
Final Wishes Planning Guide
Spanish sales materials
Agent:
Online agent training – 24/7
WebEx sales training
Sales tools website available at
Simple application process
Quick issue – 4-day turnaround on clean applications
Easy-to-use quote tool
Pre-approved recruiting ads

33. Marketing Materials
Marketing materials available to order or download from

34. QUALIFICATIONS Plan now to be a part of the 2014 Americo Summit
April 29 –May 4, 2014
Plan now to be a part of the 2014 Americo Summit
QUALIFICATIONS
July 1, 2012 – December 31, 2013 Agent: $95,000 Summit Credits
Term, WL, UL, IUL: 100% of Paid FY Annualized Premium Lifetime Legacy: 10% of Paid Premium Annuities: 4% of Paid FY Premium Life insurance and annuity production can be combined to meet the production criteria.
Check for current Summit credits.

35. Qualifying agents will be considered for an invitation for themselves and an adult guest. No children or substitutions will be allowed. Attendance at the convention shall be by company invitation only. Agents must be in good standing with Americo at the time of the Summit in order to attend. You must have a minimum of 15 paid policies during the qualification period. Americo reserves the right to withhold an invitation should persistency and placement ratios fall below a minimum acceptable level. Personally controlled business and internal replacements are not eligible for credit. Americo, at its sole discretion, reserves the right to modify or change any of the qualifications or offering at any time.
Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY and VT.
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 and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions apply. Consult contract and riders for all limitations and exclusions.
The company reserves the right to contest coverage for up to two years due to any misrepresentations in the application. If the insured, sane or insane, dies by suicide while the contract is in force and within two years (one year in Colorado, Missouri, and North Dakota) after the issue date, the proceeds payable will be limited to the sum of premiums paid less any indebtedness. See Missouri contract for special provisions regarding suicide.
Any illustrations of future values used in a sales presentation are provided only for illustrative purposes. Any such illustration must not be regarded as guaranteed or as estimated future performance unless it is based solely on the minimum guaranteed interest rates.
Neither Americo Financial Life and Annuity Insurance Company nor any agent representing the company can give legal or tax advice. You should consult a qualified professional regarding the information and concepts contained in this material.

36. If you have questions on anything in this presentation, or to order applications and sales materials, please contact Americo Sales Support at