2Why Sell? Quick Issue, Quick Pay Designed for automatic processing and quick issueSimple application process: no medical exams – just a few medical questions to answer.1No telephone interview required at point-of-saleQuick issue – 4-day turnaround on clean applicationsCompetitive commissions paid daily1Issuance of policy may depend upon answers to medical questions.
3Why 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 dateSmokeless tobacco, pipe, and cigar smokers qualify as non-smoker
4Why Sell? Guaranteed Coverage Guaranteed coverage available for every client1Rates never increase; guaranteed level premiumsCoverage cannot be cancelled because of age or health1Subject to issue age limits & state availability.
5Why Sell? Tools to Help You Make the Sale Quote Tools Lead letters Pre-approved advertisingOne piece to document final planning detailsSpanish materials
6Sales ToolsSlide Rule Quote Tool: Order Online Using Form Number
7Sales 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.
8Sales ToolsQuick Quotes Order Online: Use Form Number in AR, MA, MN, MO, NJ, NC or WV Or Form Number in all other states.
9Sales Tools Client Presentation Flip chart with agent’s notes Client videoBoth available for order at
10Sales Tools Final Wishes Planning Guide Used with clients for: Lead generationValue added during saleThank you after saleClients record important information all in one place:Personal dataPlan for burial/funeral expensesFinancial data
11Sales Tools Pre-approved Client Advertising Lead letters Postcards Business reply mailerNewspaper ad
12Sales Tools Spanish Materials Client brochure, worksheet, presentation Final Wishes Planning GuidePre-approved client and agent recruiting ads
13Learn more and request a sales kit at www.AmericoUltraProtector.com Sales Tools WebsiteLearn more and request a sales kit at
14Why 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,
15Why purchase final expense insurance? Consider the following when estimating the costs for funeral and/or burial arrangements:Professional funeral service chargesTransfer of the deceased to the funeral homeCasketGrave PlotViewing FacilitiesHeadstone and engraving
16Why purchase final expense insurance? Proceeds may help beneficiaries pay:Funeral expenses and associated costsUnexpected medical bills incurred during a final illnessSupplements other life insurance that won’t cover costs today due to:InflationIncrease in burial costsChange in client’s needs
17Overview Three Products to Fit Different Health Profiles Ultra Protector I: Full death benefit day oneUltra Protector II: 2-year graded death benefit1Year 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 issue2Year 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.
18Overview State Availability Not available in AL, MS, NY & VT Ultra Protector I: Available in all other statesUltra Protector II: Available in all other states except WA Full death benefit state variation: AR, MA, MN, MO, MT, NC, NJ, & WVUltra Protector III: Available in all other states except AR, MA, MN, MT, PA, & WA Two-year graded death benefit state variation: IL, NH, NJ, & WVIssue Ages (age last birthday)Ultra Protector I: Non-smoker: 50-85; Smoker: 50-80Ultra Protector II: 50-80Ultra Protector III: 50-75
19Overview Minimum Face Amount: $2,000 Maximum Face Amount: Face Amounts (all states except WA)Minimum Face Amount: $2,000Maximum Face Amount:Ultra Protector I and II: $30,000Ultra Protector III: $10,000Face Amounts (Washington ONLY)Minimum Face Amounts by Issue AgeMaximum Face Amount: $30,000$5,000$25,000Male Non-smoker50-6667-85Male Smoker50-6061-80Female Non-smoker50-7273-85Female Smoker50-6970-80
20Overview Riders and Additional Features Ultra Protector I Accelerated Benefit Payment Rider (Rider Series 2146) included at no additional cost (not available in all states)1Children’s Term Rider (Rider Series 2147) available for $11 per $1,000 annuallyUltra Protector II and IIIAccidental 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.
21Who are your ideal prospects? Client ProfilesAges 50-85, who currently:Do not own life insurance, orOwn life insurance but needs supplemental coverage due to changing needs, orUse smokeless tobacco or is a cigar/pipe smoker
22Who are your ideal prospects? SolutionUse 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!
23Application – Series 5099State variations exist.
24Application – Series 5099State variations exist.
25Application – Series 5099State variations exist.
26NOW AVAILABLE! New Ultra Protector Series Prescription Drug Guide Over 35 pages of generic and brand drugsDrug uses and eligible Ultra Protector products available to an applicant taking one of the listed drugs.1Download a copy at Americo.com1Please 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.
27Note: 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.
28Underwriting Height and Weight (unisex) Accept/Reject Ultra Protector I and IIMIB & Rx Check orderedIn some circumstances a PHI will be required.
29Underwriting Ultra Protector I All health questions in Parts 1 & 2 are answered “no”Height and weight are within guidelinesMIB records are clear or provide no information that is inconsistent with health history given on the application
30Underwriting 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 guidelinesMIB records are clear or provide no information that is inconsistent with health history given on the application
31Underwriting Ultra Protector III No health questions are answered OR Any question in Part 1 is answered “yes” ORApplicant 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
32Marketing Package Client: Agent: Pre-approved postcards, business reply mailer, and newspaper adLead lettersFlipchart presentationVideoPlanning worksheetBrochure with applicationFinal Wishes Planning GuideSpanish sales materialsAgent:Online agent training – 24/7WebEx sales trainingSales tools website available atSimple application processQuick issue – 4-day turnaround on clean applicationsEasy-to-use quote toolPre-approved recruiting ads
33Marketing MaterialsMarketing materials available to order or download from
34QUALIFICATIONS Plan now to be a part of the 2014 Americo Summit April 29 –May 4, 2014Plan now to be a part of the 2014 Americo SummitQUALIFICATIONSJuly 1, 2012 – December 31, 2013 Agent: $95,000 Summit CreditsTerm, 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.
35Qualifying 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.
36If you have questions on anything in this presentation, or to order applications and sales materials, please contact Americo Sales Support at