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 800.231.0801, ext. 8410 today!

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Quality 25Universal Life

06-143-10 For Agent Use Only Policy Series 119

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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.

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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, www.americo.com

Call your Americo

Underwriter today at

800.231.0801

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Peace of Mind A Business Tool Family Protection A Retirement Tool

Life Insurance OverviewWhat is Life Insurance?

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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 OverviewLife 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.

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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 OverviewHow 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.

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Term Permanent

Life Insurance OverviewWhat kind of life insurance should your client buy?

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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 OverviewWhen 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.

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A company that offers:Strong RatingsCompetitive ProductsGreat Service

Life Insurance OverviewWhat company should you represent?

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What is Quality 25? It’s a Universal Life policy with:

• Guarantees– 5 Year no-lapse with minimum premium*– Guaranteed minimum interest rate of 4.5%– Accelerated Benefit Payment Rider (Rider Series 2127)

• Versatility– More than 9 Riders to tailor fit the policy– 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!

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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

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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 2127. 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

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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

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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

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Easy to Sell 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

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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 1-800-231-0801 x8410.