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Why Sell?

Why Sell?. Quick Issue, Quick Pay Designed for automatic processing and quick issue Simple application process: no medical exams – just a few medical questions to answer. 1 No telephone interview required at point-of-sale Quick issue – 4-day turnaround on clean applications

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Why Sell?

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  1. Why Sell? Quick Issue, Quick Pay • Designed for automatic processing and quick issue • Simple application process: no medical exams – just a few medical questions to answer.1 • No telephone interview required at point-of-sale • Quick issue – 4-day turnaround on clean applications • Competitive commissions paid daily 1Issuance of policy may depend upon answers to medical questions.

  2. Why Sell? Unique Non-Smoker Classification • Non-smoker defined as a person who has not smoked cigarettes for at least 12 months prior to the application completion date • Smokeless tobacco, pipe, and cigar smokers qualify as non-smoker

  3. Why Sell? Guaranteed Coverage • Guaranteed coverage available for every client1 • Rates never increase; guaranteed level premiums • Coverage cannot be cancelled because of age or health 1Subject to issue age limits & state availability.

  4. Why Sell? Tools to Help You Make the Sale • Quote Tools • Lead letters • Pre-approved advertising • One piece to document final planning details • Spanish materials

  5. Sales Tools Slide Rule Quote Tool: Order Online Using Form Number 07-277-16

  6. Sales Tools Quoting Software All examples shown are hypothetical and intended only for illustrative, educational purposes. Figures used in the hypotheticals are not guaranteed or indications of actual coverage amounts.

  7. Sales Tools Quick QuotesOrder Online: Use Form Number 07-277-15 in AR, MA, MN, MO, NJ, NC or WV Or Form Number 07-277-13 in all other states.

  8. Sales Tools Client Presentation • Flip chart with agent’s notes • Client video • Both available for order at www.americo.com

  9. Sales Tools Final Wishes Planning Guide • Used with clients for: • Lead generation • Value added during sale • Thank you after sale • Clients record important information all in one place: • Personal data • Plan for burial/funeral expenses • Financial data

  10. Sales Tools Pre-approved Client Advertising • Lead letters • Postcards • Business reply mailer • Newspaper ad

  11. Sales Tools Spanish Materials • Client brochure, worksheet, presentation • Final Wishes Planning Guide • Pre-approved client and agent recruiting ads

  12. Sales Tools Website Learn more and request a sales kit at www.AmericoUltraProtector.com

  13. Why purchase final expense insurance? Ask your client … If you died tomorrow, would your loved ones be prepared to pay your final expenses? Did you know that the average funeral costs $12,000-$15,000? 1Source: Wiley, Chad. "The Average Cost Of A Funeral In The United States." Article Snatch Free Article Directory. 26 July 2010, http://www.articlesnatch.com/Article/The-Average-Cost-Of-A-Funeral-In-The-United-States/490478.

  14. Why purchase final expense insurance? Consider the following when estimating the costs for funeral and/or burial arrangements: • Professional funeral service charges • Transfer of the deceased to the funeral home • Casket • Grave Plot • Viewing Facilities • Headstone and engraving

  15. Why purchase final expense insurance? • Proceeds may help beneficiaries pay: • Funeral expenses and associated costs • Unexpected medical bills incurred during a final illness • Supplements other life insurance that won’t cover costs today due to: • Inflation • Increase in burial costs • Change in client’s needs

  16. Overview Three Products to Fit Different Health Profiles Ultra Protector I:Full death benefit day one Ultra Protector II: 2-year graded death benefit1 Year 1: Return of premium plus 5%Year 2: Greater of return of premium plus 10% or 50% of face amountYear 3: 100% of face amount(Full death benefit day one in AR, MA, MN, MO, MT, NC, NJ, & WV) Ultra Protector III:3-year graded death benefit1; guaranteed issue2 Year 1: Return of premium plus 5%Year 2: Return of premium plus 10%Year 3: 75% of face amount (100% in IL, NH, NJ, WV)Year 4: 100% of face amountAccidental Death Benefit included for Ultra Protector II and Ultra Protector III during graded death benefit period. 1State variations apply. 2Subject to issue age limits and state availability.

  17. Overview State Availability • Not available in AL, MS, NY & VT • Ultra Protector I: Available in all other states • Ultra Protector II: Available in all other states except WAFull death benefit state variation: AR, MA, MN, MO, MT, NC, NJ, & WV • Ultra Protector III: Available in all other states except AR, MA, MN, MT, PA, & WATwo-year graded death benefit state variation: IL, NH, NJ, & WV Issue Ages (age last birthday) • Ultra Protector I: Non-smoker: 50-85; Smoker: 50-80 • Ultra Protector II: 50-80 • Ultra Protector III: 50-75

  18. Overview Face Amounts (all states except WA) • Minimum Face Amount: $2,000 • Maximum Face Amount: • Ultra Protector I and II: $30,000 • Ultra Protector III: $10,000 Face Amounts (Washington ONLY) • Minimum Face Amounts by Issue Age • Maximum Face Amount: $30,000

  19. Overview Riders and Additional Features • Ultra Protector I • Accelerated Benefit Payment Rider (Rider Series 2146) included at no additional cost (not available in all states)1 • Children’s Term Rider (Rider Series 2147) available for $11 per $1,000 annually • Ultra Protector II and III • Accidental death benefit provision included at no additional cost for Ultra Protector II and III. • If death occurs as a result of an accident during the graded death benefit period, the full death benefit will be payable. 1State variations apply.

  20. Who are your ideal prospects? • Client Profiles • Ages 50-85, who currently: • Do not own life insurance, or • Own life insurance but needs supplemental coverage due to changing needs, or • Use smokeless tobacco or is a cigar/pipe smoker

  21. Who are your ideal prospects? • Solution • Use Ultra Protector Series to provide $2,000 - $30,000 of whole life insurance coverage that can help: • Pay final expenses, medical bills, and remaining debt. • Supplement current insurance coverage. • Qualify smokeless tobacco users and pipe or cigar smokers for non-smoker rates!

  22. Application – Series 5099 State variations exist.

  23. Application – Series 5099 State variations exist.

  24. Application – Series 5099 State variations exist.

  25. New Ultra Protector Series Prescription Drug Guide NOW AVAILABLE! • Over 35 pages of generic and brand drugs • Drug uses and eligible Ultra Protector products available to an applicant taking one of the listed drugs.1 • Download a copy at Americo.com 1Please be advised that this Prescription Drug Guide does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. Americo products listed in the Guide under the Benefit Eligibility column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, any prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change.

  26. Note: The brand name drug is in ALL CAPS and its generic equivalent is next to it in lowercase letters. This guide allows you to search either by generic or brand name. 1Please be advised that this Prescription Drug Guide does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. Americo products listed in the Guide under the Benefit Eligibility column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, any prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change.

  27. Underwriting • Height and Weight (unisex) • Accept/Reject • Ultra Protector I and II • MIB & Rx Check ordered • In some circumstances a PHI will be required.

  28. Underwriting Ultra Protector I • All health questions in Parts 1 & 2 are answered “no” • Height and weight are within guidelines • MIB records are clear or provide no information that is inconsistent with health history given on the application

  29. Underwriting Ultra Protector II • All health questions in Part 1 are answered “no” • One or more health questions in Part 2 are answered “yes” • Height and weight are within guidelines • MIB records are clear or provide no information that is inconsistent with health history given on the application

  30. Underwriting Ultra Protector III • No health questions are answered OR • Any question in Part 1 is answered “yes” OR • Applicant does not qualify for Ultra Protector I or II and checks box on section 4 of the application agreeing they are willing to accept any Ultra Protector product

  31. Marketing Package Client: • Pre-approved postcards, business reply mailer, and newspaper ad • Lead letters • Flipchart presentation • Video • Planning worksheet • Brochure with application • Final Wishes Planning Guide • Spanish sales materials Agent: • Online agent training – 24/7 • WebEx sales training • Sales tools website available at www.AmericoUltraProtector.com • Simple application process • Quick issue – 4-day turnaround on clean applications • Easy-to-use quote tool • Pre-approved recruiting ads

  32. MarketingMaterials Marketing materials available to order or download from www.Americo.com

  33. Plan now to be a part of the 2014 Americo Summit … April 29 –May 4, 2014 Plan now to be a part of the 2014 Americo Summit QUALIFICATIONS July 1, 2012 – December 31, 2013Agent: $95,000 Summit Credits Term, WL, UL, IUL: 100% of Paid FY Annualized PremiumLifetime Legacy: 10% of Paid PremiumAnnuities: 4% of Paid FY PremiumLife insurance and annuity production can be combined to meet the production criteria. Check www.Americo.com for current Summit credits.

  34. Qualifying agents will be considered for an invitation for themselves and an adult guest. No children or substitutions will be allowed. Attendance at the convention shall be by company invitation only. Agents must be in good standing with Americo at the time of the Summit in order to attend. You must have a minimum of 15 paid policies during the qualification period. Americo reserves the right to withhold an invitation should persistency and placement ratios fall below a minimum acceptable level. Personally controlled business and internal replacements are not eligible for credit. Americo, at its sole discretion, reserves the right to modify or change any of the qualifications or offering at any time. Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY and VT. Ultra Protector Series (Policy Series 281/282/283/284), Accelerated Benefit Payment Rider (Rider Series 2146), and Children’s Term Rider (Rider Series 2147) are underwritten by Americo Financial Life and Annuity Insurance Company 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. 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. 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. Neither Americo Financial Life and Annuity Insurance Company nor any agent representing the company can give legal or tax advice. You should consult a qualified professional regarding the information and concepts contained in this material.

  35. If you have questions on anything in this presentation, or to order applications and sales materials, please contact Americo Sales Support at 800.231.0801

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