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 Quality 25 Universal Life For Agent Use OnlyPolicy Series 119

(10/05) For Agent Use Only For Agent Use Only Policy Series What Makes Americo Different? One of the largest, independently held insurance company 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 Quality 25? IIt’s a Universal Life policy with: Guarantees –5–5 Year no-lapse with minimum premium* –G–Guaranteed minimum interest rate of 4.5% –A–Accelerated Benefit Payment Rider ( Rider Series 2127) Versatility –M–More than 9 Riders to tailor fit the policy –N–Nonsmoker is defined as no cigarettes for the last 12 months** Interest rate bonus years 11+*** *As long as scheduled premium payments are made on time **Smokeless tobacco, cigar, and pipe qualify for nonsmoker ratings. **1% by current company practice Quality 25 Policy Series 119 Quality 25 Product Features As seen in Life Insurance Selling!

(10/05) For Agent Use Only For Agent Use Only Policy Series  Issue ages 0-80 (Age Last Birthday)  Minimum face $25,000  Level and increasing death benefit  Access to cash through zero net cost preferred policy loans  Premium modes Annual Semi-annual Quarterly Monthly Quality 25 Policy Series 119 Quality 25 Product Features

(10/05) For Agent Use Only For Agent Use Only Policy Series Benefits  Issue ages starting at 0  Minimum face as low as $25,000  Smoker rating is for cigarettes only*  Cash value  Zero net cost loans**  Accelerated Benefit Payment Rider*** Quality 25 ***Rider Series Up to 50% of the death benefit minus any outstanding policy loans, $250,000 maximum. **Certain restrictions apply *Cigar, smokeless tobacco, and pipes qualify for nonsmoker ratings. Policy Series 119 Quality 25 Product Features

(10/05) For Agent Use Only For Agent Use Only Policy Series  Accidental Death Benefit Rider  Spouse’s Level Term Insurance Rider  Waiver of Cost Of Insurance  Waiver of Specified Premium  Business Insurance Exchange Rider  Children's Level Term Insurance Rider  Decreasing Term to Age 65 Life Insurance Rider  Guaranteed Insurability Benefit Rider  Accelerated Benefit Payment Rider Quality 25 Accidental Death Benefit Rider (Rider series 2019), Spouse’s Level Term Ins. Rider (Rider Series 2027), Waiver of Cost of Insurance Rider (Rider Series 2029, Waiver of Specified Premium Rider (Rider Series 2030), Business Ins. Exchange Rider (Rider Series 2021), Children’s Level Term Rider (Rider Series (2022), Decreasing Term to Age 65 Life Ins. Rider (Rider Series 2023), Guaranteed Insurability Benefit Rider (Rider Series 2025), Accelerated Benefit Payment Rider (Rider Series 2127), 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 119 Valuable Riders

(10/05) For Agent Use Only For Agent Use Only Policy Series  Younger Individuals  Smokers Issue ages 0 – 80 Minimum face as low as $25,000 Smoker rating is cigarettes only* Quality 25 *Cigar, smokeless tobacco, and pipes qualify for nonsmoker ratings. Policy Series 119 Quality 25 Product Positioning

(10/05) For Agent Use Only For Agent Use Only Policy Series Easy to Sell DDo you have clients who chew tobacco, smoke cigars, or a pipe and would like a nonsmoker rating? Quality 25 Policy Series 119 Quality 25 Product Positioning

(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.