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 , ext today! We will begin shortly Classic Life Universal Life Insurance For Agent Use OnlyPolicy Series 075

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 2 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.

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 3 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, Call your Americo Underwriter today at

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 4 Peace of Mind A Business Tool Family Protection A Retirement Tool Life Insurance Overview What is Life Insurance?

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 5 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 Overview Life 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.

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 6 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 Overview How 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.

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 7 Term Permanent Life Insurance Overview What kind of life insurance should your client buy?

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 8 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 Overview When 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.

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 9 A company that offers: Strong Ratings Competitive Products Great Service Life Insurance Overview What company should you represent?

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 10  Issue ages (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 Life What is Classic Life?

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 11  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

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 12 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

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 13  Younger Individuals  Smokers Issue ages 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

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 14 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

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 15 Questions? Comments? A friendly sales support representative is standing by to assist you. Call us at , ext today!

(10/05) For Agent Use Only For Agent Use OnlyPolicy Series Universal Life Insurance 16 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 ext