(10/05) For Agent Use Only Ultra Protector Americo Financial Life and Annuity Insurance Company Product Training

(10/05) For Agent Use Only 2 Life Insurance  What is Life Insurance?  Peace of Mind  Business Tool  Family Protection  Retirement Tool

(10/05) For Agent Use Only 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?

(10/05) For Agent Use Only 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?

(10/05) For Agent Use Only 5 Life Insurance  What kind of life insurance should your client buy?  Term or Permanent

(10/05) For Agent Use Only 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.

(10/05) For Agent Use Only 7 Life Insurance  Which company should you represent?  A company that offers: Strong Ratings Competitive Products Great Service

(10/05) For Agent Use Only 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

(10/05) For Agent Use Only 9  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* Ultra Protector * Issue ages 55 to 75 for Missouri Policy Series 248/250

(10/05) For Agent Use Only 10  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 Ultra Protector Policy Series 248/250

(10/05) For Agent Use Only 11  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 Ultra Protector * 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

(10/05) For Agent Use Only 12  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. Ultra Protector Policy Series 248/250

(10/05) For Agent Use Only 13  Product Positioning  Seniors  Private individuals  Less healthy people – Funeral and burial expenses – Simplified underwriting – 2 options to get a policy issued – Low face amounts Ultra Protector Policy Series 248/250

(10/05) For Agent Use Only 14  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* Ultra Protector *Subject to minimums Policy Series 248/250

(10/05) For Agent Use Only 15 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 x8410. LIFE PRODUCTS