Final Expense

• $40 annual fee (Premier commissionable only) 
• Ages 40-85
• $5,000 to $40,000 
• Permanent Whole Life Insurance Protection 
• No Physical Exams are required. 
• Possible Day one Immediate Coverage 
• Builds Cash and Loan Value 7.4% interest (8% arrears) if interest and loans exceed cash value, the policy terminates. 
• Accidental Death Benefit rider Eagle Premier included 
• Accelerate Death Benefit included

The Quit Smoking Advantage  

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.  

How Does it Work?

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. 

Eagle Premier  / Immediate Death Benefit

Accidental Death Benefit Rider Option
Accelerated Benefit Payment Rider (No Cost) 
Child Grandchild Term Rider Option

Eagle Guaranteed / 3 Year Graded Death Benefit

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

Accidental Death Benefit Rider for Eagle Premier & Guaranteed,

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.  

Accelerated Death Benefit Payment for Rider Eagle Premier,

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).  

Child and Grandchild Term Rider

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.   

• Terminal Illness Accelerated Death Benefit: Maximum accelerated benefit payment equals $15,000. 
• Accidental Death Benefit: Doubles the policy face amount. maximum benefit payment equals $30k. Available ages 0-84. Coverage terminates at age 85. Additional premium of $5 per month, regardless of face amount. 
• Dismemberment: The dismemberment benefit varies based on the type of dismemberment.

Americo Eagle Premier Series Product Brochure.pdf
Americo Eagle Premier Series Agent Guide.pdf

Term

Term 125 Term Instant Decision Series

An affordable simplified issue level term product with a built in Accidental Benefit Rider

• Available at higher issue ages
• Accidental Benefit Rider with Common Carrier Provision automatically added
• Living Benefit Riders included at no additional cost

Term 100 Term Instant Decision Series

An affordable simplified issue level term product with face amounts low enough to fit many budgets

• 15, 20, 25 and 30 year level premium period with full or 5 year guarantee
• Living Benefit Riders (Critical Illness, Chronic Illness, Terminal Illness) included at no additional cost
• Optional riders provide for a variety of needs

Continuation 10 Term Instant Decision Series

Term 125 product with the addition of life insurance continuing at 10% of initial face amount after initial Level Death Benefit ends.

• Permanent protection for the cost of term insurance
• Premiums remain level for as long as the policy is in force
• Living Benefit Riders included at no additional cost

Continuation 25 Term Instant Decision Series

Term 125 product with the addition of life insurance continuing at 25% of initial face amount after initial Level Death Benefit ends. 

• Permanent protection for the cost of term insurance
• Premiums remain level for as long as the policy is in force
• Living Benefit Riders included at no additional cost

Payment Protector Term Instant Decision Series

Decreasing Term coverage where the death benefit can be paid out in monthly income

• Lump sum payment alternative
• Non-medical through $450,000 - no saliva
• Accidental Death Benefit Rider included at no additional cost

Payment Protector Term Instant Decision Series

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

• Permanent coverage
• Premiums never increase
• Non-medical through $450,000 - no saliva

ADB Instant Decision Term Series

Term Life insurance that provides affordable coverage in case of death due to an accident

• Least expensive option
• Potential to qualify with health conditions
• Supplement to other coverage

Americo Instant Decision Term & Universal Product Brochure.pdf
Americo Instant Decision Series Agent Guide.pdf

Universal

CBO 100 Universal Life Instant Decision Series

Offers the option to receive 100% of base premiums back at the end of the cash back option period.

• 20-, 25-and 30 year level premium periods
• Living Benefit Riders included at no additional cost
• 100% of base premiums are available at the end of the Cash Back Option Period

CBO 50 Universal Life Instant Decision Series

Offers the option to receive 50% of base premiums back at the end of the Cash Back Option Period.

• 20-, 25-and 30 year level premium periods
• Living Benefit Riders included at no additional cost
• 50% of base premiums are available 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

Advantage WL

Permanent whole life insurance that can fit a variety of clients needs

• Face amounts start at $15,000 for children ages 0–17 and $25,000 for adults ages 18–75.
• Fast and efficient underwriting under $100,000
• Fits well as a companion product: mortgage sale add-on for younger issue ages; final expense sale add-on for higher face amounts

Americo Advantage WL Product Brochure.pdf
Americo Advantage WL Agent Guide.pdf