agent training presentation overview marketing package sales tools product positioning

Agent Training PresentationOverview

Marketing PackageSales ToolsProduct Positioning

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09-009-1 (03/09) ©Americo For agent use only. Not for public use.

Three products to fit different situations: Ultra Protector I - Full death benefitUltra Protector II - 2-year graded death benefit (full amount payable for accidental death)1

Ultra Protector III - 3-year graded death benefit (full amount payable for accidental death)1; guaranteed issue ; no need to answer health questions2

1 State variations apply. 2 Subject to issue age limits and state availability.

Ultra Protector Series

Overview

Policy Series 281/282/283/284

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Face amounts from $2,000 to $30,000 Coverage cannot be cancelled because of age or health Rates cannot increase Simple application process No medical exams - only a few simple medical questions

to answer Every client can qualify for coverage1

Smoking definition – cigarette only – other tobacco qualify for non-smoking rates

Ultra Protector Series Overview

1 Subject to issue age limits and state availability.


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Agent:• Online agent training

– 24/7• WebEx sales training• Simple application

process • Quick issue – 4-day

turnaround on clean applications

• Easy quote illustration and PDA software

• Pre-approved recruiting ads

Client:• Client presentation• Final Wishes Planning

Guide• Planning worksheet• Client brochure with

application• Client video• Client lead letters• Spanish sales

materials


Marketing Package


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Final Wishes Planning Guide

Clients can record personal information, pre-plan burial and funeral preferences, and consolidate financial data all in one place.

Use this guide in conjunction with lead generation efforts, as a value-added benefit during the sale, or simply to say thank you to a client or prospect.

Available in Spanish and English


Sales Tools


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Spanish materials Client brochure Client

worksheet Client

presentation Pre-approved

client and agent recruiting ads


Sales Tools


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Americo Insurance Desk Quoting Software

PDA Software Quick Quotes and Rate for Monthly

Premium Slide Rule Client Video Client Flipchart

presentation


Sales Tools


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• Seniors• Funeral and burial expenses• Coverage for any hospital or outstanding

medical bills• Time Value Coverage


Product Positioning


IMPORTANT DISCLOSURES

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 or for all periods. Certain restrictions apply. Consult policy contract, and riders for all limitations and exclusions.

The company reserves the right to contest coverage for up to two years due to any misrepresentations in the application. If the insured, sane or insane, dies by suicide while the contract is in force and within two years (one year in Colorado, Missouri, and North Dakota) after the issue date, the proceeds payable will be limited to the sum of premiums paid less any indebtedness. See Missouri contract for special provisions regarding suicide.

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.

Americo Financial Life and Annuity Insurance Company is authorized to do business in all states and the District of Columbia, except NY and VT.Annuities are intended to be a long-term retirement instrument. If you keep your annuity only a few years, contract values may be less than the total contributions due to surrender charges, income tax and IRS penalties.

Any illustrations of future values used in a sales presentation are provided only for illustrative purposes. Any such illustration must not be regarded as guaranteed or as estimated future performance unless it is based solely on the minimum guaranteed interest rates.

Policies do not directly participate in any stock or equity investments. Refer to your Benefits Summary & Disclosure Statement, as well as your policy, for the governing contractual provisions.

Comparison of indexed annuities on any single factor may be misleading.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500” and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Americo Financial Life and Annuity Insurance Company. Americo products are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representations regarding the advisability of purchasing these products. The S&P 500 Index is a market-valued weighted price index which reflects capital growth only and does not include dividends paid on stocks.

NASDAQ®, NASDAQ-100®, and NASDAQ-100 Index®, are trademarks of The Nasdaq Stock Market, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Americo Life, Inc. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

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agent training presentation overview marketing package sales tools product positioning

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