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Home Mortgage Series & L ifeTerm Series

Presented By Robert Peiffer 717-379-8764

Your home may be your most valuable asset.

Policy Series 174/234/262/263/278/279

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Home Mortgage S eries & LifeTerm S eries are…

Mortgage life insurance products that work to protect your family, home, and assets from the financial fears you may face: Death Disability* Critical Illness* Involuntary Unemployment*

*Optional benefit riders available at an additional cost.

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Coverage is available for your spouse in an amount equal to or less than the base face amount with Home Mortgage Series (HMS)

Coverage is available for your children up to $15,000 per child with HMS and up to $10,000 with LifeTerm Series

Can I get coverage for my spouse or children?

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What would happen if I were to die?

Would my family be able to pay off the mortgage or make the mortgage payment?

Would savings and college funds be depleted?

Would my family be forced to relocate?

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T h e l ik e l ih o o d o f y o u d y in g b e f o r e p a y in g o f f a 3 0 -y e a r m o r t g a g e is : At age 30 1 out of 10

At age 35 1 out of 7 At age 40 1 out of 4 At age 45 1 out of 3 At age 50 1 out of 2

The S tatistics

Source: 2001 Commissioners Standard Ordinary Table of Mortality (based on male, age last birthday)

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Your loved ones can use the benefits of the policy to help pay the mortgage, pay for college, or use it for any other need.

Home Mortgage S eries & LifeTerm S eries

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Would there be enough income to make the mortgage payment?

Would you be forced to dip into your savings?

What would happen if my spouse or I became disabled?

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You may receive a monthly income of up to $2,000

Benefits may be paid for up to 2 years You can also elect to have your policy

premiums waived during a disability

Home Mortgage S eries & LifeTerm S eries Riders can…

Help you make your payments if you or your spouse become disabled.

*The Disability Income Rider (Rider Series 2145) and Waiver of Premium for Disability Rider (Rider Series 2100) are optional and available for an additional cost.

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The S tatistics…

*Field Guide 2006; printed in The JHA Disability Fact Book – 2006 Edition**Homeownership Preservation Foundation - data of 60,000 homeowners, 2008

A 40-year-old man is 2.7 times more likely to suffer a long-term disability than to die before the age of 65.*

Tipping points that put homeowners into foreclosure:**

32% experience a job loss 25% experience a health crisis

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How would you pay the medical bills and your every day expenses?

What would happen if I survive a critical illness?

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P r o v id e c a s h i f y o u s h o u ld

b e c o m e c r i t ic a l ly i l l * You may receive up to 50% of your

policy’s death benefit up to $250,000.

Qualified critical illnesses include heart attack, stroke, life-threatening cancer, major organ transplant, renal failure, and paralysis

Home Mortgage S eries Riders can…

*The Critical Illness Accelerated Benefit Rider (Rider Series 2139) is optional and available for an additional cost. State variations apply.

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What would happen if I unexpectedly lost my job?

Would you need to re-evaluate some of your financial obligations?

Would you have enough money to pay your current life insurance premiums?

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W a iv e y o u r p r e m iu m s i f y o u b e c o m e in v o lu n t a r i ly u n e m p lo y e d . *

Premiums of up to $500 per month are waived while you are involuntarily unemployed for up to six months

You don’t risk losing your valuable insurance protection while out of work

Home Mortgage S eries & LifeTerm S eries Riders can…

*The Involuntary Unemployment Waiver of Premium Rider (Rider Series 2140) is optional and available at no additional cost if the Waiver of Premium for Disability Rider (Rider Series 2100/2130) is purchased.

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Unlike homeowners, auto, and health insurance, Home Mortgage Series and LifeTerm Series offer an additional rider that guarantees a r e t u r n o f a l l o f y o u r p r e m iu m s a f t e r t h e r id e r p r e m iu m p e r io d i f y o u d o n o t u s e y o u r c o v e r a g e .

What if I never need to use any of the coverage?

Return of Premium Rider (Rider Series 2132), Endowment Rider (Rider Series 2143), and Cash Value Rider (Rider Series 2153) are optional and may be available at an additional cost.

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Return 1 00% of all your prem ium paym ents if

you never use any of the elected benefits*

Complete protection for all those years!

All of your money back!

Home Mortgage S eries & LifeTerm S eries Riders can…

*Any payments made under the Disability Income Rider will reduce the benefit from the Return of Premium Rider (Rider Series 2132), Endowment Rider (Rider Series 2143), and Cash Value Rider (Rider Series 2153).

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Often homeowners mistakenly believe that their homeowners insurance affords protection at their death

Don’t I already have mortgage insurance?

U n f o r t u n a t e ly , i t i s l ik e ly t h a t t h is i s N O T t h e c a s e .

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D o I need both?

It is very important that you maintain both of these types of coverage.Homeowners Insurance protects against financial loss

due to physical damage (fire, tornado, etc.).Mortgage life insurance protects against loss of home due

to death.

Homeowners vs. Mortgage Life Insurance

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Can I afford a Home Mortgage Series policy?

A 30-year-old non-smoking male will pay just $28/month. That’s less than a dollar per day for a 20-year $150,000 term life insurance policy.

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Various guarantee periods are available

Will my premiums go up each year?

Home Mortgage Series

LifeTerm Series

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The application is simple There are only a few medical questions Generally, with HMS, no medical examinations are required

for coverage protecting mortgages of $250,000 and below A saliva test is required for ages 18-65 with LifeTerm

Series. Depending on coverage amount there may be a medical exam required.

You have a choice of premium payment methods

A s k y o u r A m e r ic o r e p r e s e n t a t iv e f o r a c u s t o m iz e d q u o t e t o d a y !

It’s easy to apply

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IMPORTANT DIS CLOS URES

Products and Riders are underwritten by Americo Financial Life and Annuity Insurance Company (Americo), 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. Consult contract and riders for all limitations and exclusions.

Neither Americo nor any agent representing the company can give legal or tax advice. Please consult a qualified, professional legal or tax advisor regarding the information and concepts contained in this material.

Americo is authorized to do business in all states and the District of Columbia except AK, NY, and VT.

Policy Series 174/234/262/263/278/279