Customer Service & Claims (844) 452-3832
Agent Policyholder Services: (800) 247-8837
Sales & Producer Support: (877) 399-7747
8 a.m. – 6 p.m. (CT) M-F
AIG Producer Sales Practices Manual.pdf
GIWL (Subsection)
Guaranteed Issue Whole Life
SIWL (Subsection)
SimpliNow Whole Life
Issue Ages(Age Last Birthday) 50-60 61-70 71-80 Non Smoker 71-80 Smoker | SimpliNow Level $5,000 – $25,000 $5,000 – $30,000 $5,000 – $35,000 N/A | SimpliNow Graded $5,000 – $25,000 $5,000 – $25,000 $5,000 – $25,000 $5,000 – $25,000 |
Policy Riders are only available on SimpliNow Legacy Max Level Death Benefit design:
Accelerated Death Benefit for Terminal Illness Rider: This rider is available at no extra charge. There is a fee if activated. The owner can request an accelerated benefit if they are diagnosed with a medical condition that is expected to result in the death of the insured within 12 months. The rider requires a physician to sign a statement of proof to certify the insured has a terminal illness. • Accelerated Death Benefit for
Nursing Home Confinement Rider: This rider is available at no extra charge. There is a fee if activated. The owner can request an accelerated benefit if the insured is chronically ill and under nursing home confinement with the expectation they will remain there for the rest of their lives. A written statement from a licensed health care practitioner will be required certifying the insured is unable to perform two out of six activities of daily living; and has been confined to a nursing home for at least 90 consecutive days and is expected to remain confined until death.
Accidental Death Benefit Rider: (issues ages 50-75) This optional rider is available for additional cost at issue only. The rider provides an additional death benefit equal to the base policy death benefit if the insured dies from accidental bodily injury as defined and specified in the rider form. Coverage terminates at the earlier of the termination of the covered insured’s life insurance coverage under the policy, or the policy anniversary after the covered insured’s 80th birthday. The owner can request removal of the rider after issue. Please note: The Graded death benefit has a built-in provision which in case of an accidental death in the first two years, the benefit paid will be the face amount of the policy.
Chargebacks: No chargebacks on lapse, surrenders, or deaths on any earned commissions. 100% commission chargebacks on lapses, surrenders, or deaths for any unearned commission.
Address: 23 Public Square, Suite 260 Belleville, IL 62221
Call Us: 1.800.789.6556 
Email: info@finalwishesadvisors.com
This product is most ideal for those who are smokers, express a strong desire to quit, and appear to qualify for this plan. The Quit Smoking Advantage allows you to receive an Eagle Premier Smoker policy with non-smoker rates for the first three policy years. Prior to the third policy anniversary, if you can provide evidence satisfactory to Americo’s requirements that you have quit smoking for at least 12 months, your Death Benefit and premium will remain level.
You pay the Nonsmoker premium in the first three years and, if you stop smoking for 12 consecutive months, you will continue to receive the nonsmoker rates. If, after three years, you are unable to quit smoking, your face amount will be reduced and premium will not change, or you can contact Americo to increase your premiums to maintain your face amount. Not available for GI policies. The earliest time they can verify they have stopped smoking is after the first policy year, provided that the Insured has ceased the use of nicotine for 12 consecutive months.
| Minimum | Maximum |
|---|---|
| $5,000 | $40,000 |
Accidental Death Benefit Rider Option
Accelerated Benefit Payment Rider (No Cost)
Child Grandchild Term Rider Option
| Minimum | Maximum |
|---|---|
| $5,000 | $15,000 |
Natural Death
Year 1: return of premium plus 5%
Year 2: return of premium plus 10%
Year 3: 75% of the Death Benefit Amount
Year 4+: 100% of the Death Benefit Amount
an ADB rider is included at no additional cost. This rider provides a benefit of two times the base death benefit if the insured dies because of an accidental injury within 90 days of the injury. In addition, it will provide a payment of three times the base death benefit in the event the death is a result of accidental injury while riding as a fare paying passenger in a Common Carrier.
an Accelerated Benefit Payment Rider, is included at no additional cost. With this benefit, if the insured is diagnosed with a qualified terminal illness that results in a life expectancy of 12 months or less 2, Americo will advance up to 50% of the death benefit payable under the policy. The available benefit will be reduced by the amount of any outstanding policy loans and will not exceed $20,000. The minimum accelerated benefit is $1,000 (state variations apply).
the Child and Grandchild Term Rider will provide insurance on an insured child up to age 25. You can purchase coverage for a child or grandchild that is at least 15 days old and under the age of 17. An eligible child is defined as any natural child, stepchild, or legally adopted child of the base insured or the base insured’s child. Coverage is issued in units of $1,000 up to a maximum of the lesser of $5,000 or the base policy face amount.
Americo Eagle Premier Series Product Brochure.pdf
Americo Eagle Premier Series Agent Guide.pdf
An affordable simplified issue level term product with a built in Accidental Benefit Rider
An affordable simplified issue level term product with face amounts low enough to fit many budgets
Term 125 product with the addition of life insurance continuing at 10% of initial face amount after initial Level Death Benefit ends.
Term 125 product with the addition of life insurance continuing at 25% of initial face amount after initial Level Death Benefit ends.
Decreasing Term coverage where the death benefit can be paid out in monthly income
Same product features as Payment Protector with the addition of a death benefit that is equal to 10% of the initial lump sum death benefit if the Monthly Death Benefit is not used
Term Life insurance that provides affordable coverage in case of death due to an accident
Americo Instant Decision Term & Universal Product Brochure.pdf
Americo Instant Decision Series Agent Guide.pdf
Offers the option to receive 100% of base premiums back at the end of the cash back option period.
Offers the option to receive 50% of base premiums back at the end of the Cash Back Option Period.
Americo Instant Decision Term & Universal Product Brochure.pdf
Americo Instant Decision Series Agent Guide.pdf
Permanent whole life insurance that can fit a variety of clients needs
Americo Advantage WL Product Brochure.pdf
Americo Advantage WL Agent Guide.pdf
