Americo Term Life Insurance

For over 100 years, Americo Life, Inc.’s family of insurance companies has been committed to providing the life insurance and annuity products your clients need to protect their mortgage, family, and future(1). Americo Financial Life and Annuity Insurance Company (Americo) is the lead company in one of the largest independent, privately held insurance groups in the United States(2), with nearly 386,000 policies, over $44 billion of life insurance in force, and $5.8 billion in assets in force for year-end 2008(3).

Americo's Home Mortgage Series (HMS) offers the benefits your clients need, all in one simple package. HMS is a specially designed selection of term life insurance products and optional benefit riders that help to protect your client’s mortgage and loved ones.

Home Mortgage Series Competitive Advantages

• Simplified issue - quick turnaround on clean applications.
• Level premium periods of 15, 20, 25, and 30 years.
• Premiums guaranteed for five years or level premium period
• Non-medical through $400,000; saliva test $250,001 to $400,000(5)
• Fully commissionable $80 policy fee
• No NAIC illustration required

Optional Benefit Riders Available

• Return of Premium (Rider Series 2121/2132/2133)
• Endowment (Rider Series 2143) available in IN, KS, OR, and TX only
• Cash Value Rider (Rider Series 2153) available in PA only
• Disability Income Rider (Rider Series 2145), up to $2,000 per month [Also available on Additional Insured (Spouse) Rider]
• Critical Illness Accelerated Benefit Rider (Rider Series 2139), accelerated death benefit up to 50% of face amount (not available with Waiver of Premium for Disability)
• Additional Insured Term Insurance Rider (Rider Series 2136)
• Waiver of Premium for Disability Rider (Rider Series 2100/2130), not available with the Critical Illness Accelerated Benefit Rider
• Involuntary Unemployment Waiver of Premium Rider (Rider Series 2140)
• Children’s Term Rider (Rider Series 2018/2135), up to $15,000 per child
• Accidental Death Benefit Rider (Rider Series 2111)

(1) Americo Life, Inc. is a holding company and is not responsible for the financial condition or contractual obligations of its affiliate insurance companies.
(2 )“Admitted Assets, Top Life Writers-2008,” A.M. Best Co., as of July 2008.
(3) Information is as of year-end 2008 on a consolidated basis for Americo Financial Life and Annuity Insurance Company and the other life insurance subsidiaries of Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally accepted accounting principles (GAAP).
(4) In group states, policyowner or proposed insured(s) must have mortgage at time of issue.
(5) Issuance of policy may depend upon answers to medical questions.

For agent use only. Not for public use. Home Mortgage Series (Policy Series 174/234) and optional benefit 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 riders may not be available in all states. Some riders are optional and available for an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions.

For agent use only. Not for public use.