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 LifeCrest LT Universal Life Insurance For Agent Use OnlyPolicy Series 259

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

(10/05) For Agent Use Only For Agent Use Only Policy Series 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 Only Policy Series 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 Only Policy Series What is LifeCrest LT?  It’s a Universal Life policy with: Guarantees – Will never lapse with minimum premium* – Premiums will never increase* – Minimum interest rate of 3.5% – No Cost of Insurance deduction after age 100 Interest rate bonus years 11+** Quick pay and single pay options available Zero net cost loans*** *As long as scheduled premium payments are made on time **.5% by current company practice ***Certain restrictions apply LifeCrest LT LifeCrest LT Product Summary As seen in Life Insurance Selling!

(10/05) For Agent Use Only For Agent Use Only Policy Series What is LifeCrest LT? Issue ages (Age Last Birthday) Minimum face amount of $50,000 Standard Minimum face amount of $100,000 Preferred Level death benefit only Premium modes Annual Semi-annual Quarterly Monthly LifeCrest LT LifeCrest LT Product Summary

(10/05) For Agent Use Only For Agent Use Only Policy Series Benefits Guaranteed coverage for a lifetime* Guaranteed premiums* Limited pay and single pay options Cash value Zero net cost loans** Accelerated Benefit Payment Rider*** *As long as scheduled premium payments are made on time **Certain restrictions apply ***Rider Series Up to 50% of the death benefit, $250,000 maximum. LifeCrest LT LifeCrest LT Product Summary

(10/05) For Agent Use Only For Agent Use Only Policy Series Valuable Riders Children's Level Term Rider Accidental Death Benefit Rider Waiver of Monthly Specified Premium Rider Children’s Level Term Rider (Series 2022), Accidental Death Benefit Rider (Series 2019), Waiver of Specified Premium Rider (Series 2030). Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. LifeCrest LT LifeCrest LT Product Summary

(10/05) For Agent Use Only For Agent Use Only Policy Series Provides level term life insurance for: Child, stepchild, or legally adopted child by the owner through the age of 25 Issue ages – 15 days to 19 years Up to $10,000 of coverage per child The child may convert to a level-premium policy for up to 5 times the amount of coverage in force upon their 25 th birthday. If the child doesn’t convert to a policy on his 25 th birthday, the rider coverage terminates. Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. LifeCrest LT Children’s Term Rider

(10/05) For Agent Use Only For Agent Use Only Policy Series May Provide an additional death benefit if the insured passes away due to an accident.** Provided up to age 70 Insured must die within 90 days of the accidental injury. Death must be a result of the accidental injury. Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. **Certain restrictions apply LifeCrest LT Accidental Death Benefit Rider

(10/05) For Agent Use Only For Agent Use Only Policy Series  Must be totally disabled for 6 months  Cost of Insurance, monthly expense charges, and rider charges may be waived  Retroactive to the date of the claim  Costs may be waived for the duration of the disability** **The benefit terminates on the earliest of: the policy anniversary nearest the insured’s 60 th birthday if the insured is not disabled at the time, the date the insured recovers if disabled on the policy anniversary nearest the insured’s 60 th birthday or the date the base policy terminates. Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. LifeCrest LT Waiver of Monthly Specified Premium

(10/05) For Agent Use Only For Agent Use Only Policy Series  All Niches Lifetime Guarantee Premiums guaranteed Single pay or limited pay option Competitive cash values Access to cash* Prospective interest rate bonus in years 11+** *Through policy loans and withdrawals. Certain restrictions apply. **By current company practice Policy Series 259 LifeCrest LT Product Positioning

(10/05) For Agent Use Only For Agent Use Only Policy Series Easy to Sell  How valuable is it to you to be able to offer a product where the death benefit on the policy will never expire as long as the client pays his premiums on time?* *The no-lapse guarantee provision may terminate due to loans, withdrawals, and changes in face amount. LifeCrest LT Product Positioning

(10/05) For Agent Use Only For Agent Use Only Policy Series 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 Only Policy Series 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.