E & O Insurance is required with this carrier for an agent appointment; follow this link for inexpensive Errors & Omission Insurance. E & O Insurance Provided through CalSurance offering agents three different methods of payment; Annual, Quarterly, or 10 pays.

Americo has several products available to agents. Below is a brief overview:

Final Expence:(all 3 products available on one application)

Ultra Protector I

Level Death benefit – Immediate benefit

• Face amounts from $2,000 to $30,000
• Simplified Issue Whole Life
• All applications and disclosures included in Application Packet
• Terminal Illness Rider and Children’s Term Rider
• Issue ages 50 to 85 (smoker 50 to 80)
• Smoker and Non-Smoker rates

Ultra Protector II

Ultra Protector II offers a 2-year graded death benefit (level in AR, MA, MN, MO, NJ, NC, and WV).

• Face amounts from $2,000 to $30,000
• Simplified Issue Whole Life
• All applications and disclosures included in Application Packet
• Issue ages 50 to 80
• Smoker and Non-Smoker rates

Ultra Protector III

3 year Graded (2 years in some states) perfect for those clients with serious medical issues.

• Face amounts from $2,000 to $10,000
• Guaranteed Issue
• All applications and disclosures included in Application Packet
• Issue ages 50 to 75

General Life:

• Advantage Whole Life
  • $15,000 Minimum face – 0-17
  • $25,000 Minimum face 18-75
  • Age last birthday

• Life Crest Universal Life:
  • 20-year, no lapse guarantee at minimum premiums
  • $25,000 minimum face amount
  • Low minimum premiums
  • Prospective interest rate bonus in years 11+ (0.5% current practice)
  • Non-medical up to $100,000 to age 65
  • Extendible maturity date option beyond age 100
  • Contractually guaranteed zero net cost loans available
  • Accelerated Benefit Payment Rider included at no additional cost (up to 50% of death benefit, $250,000 maximum)

• Life Crest Index
  • LifeCrest Index is an indexed flexible premium universal life policy that offers lifetime coverage, a guaranteed return of premium feature, and interest that is based on the performance of the S&P 500??.

• Lifetime Legacy
  • Lifetime Legacy is a special type of life insurance designed for legacy assets. In many cases a single premium payment can create a substantial lifetime guaranteed death benefit, plus so much more.

• Quality25
  • Competitive Universal Life product available 18 through age 80 with a medium-range target premium
  • Issue ages 18-80
  • Minimum face amount of $50,000
  • Non-smoker rating class defined as no cigarettes for last 12 months; smokeless tobacco, cigar, and pipe smoking qualify
  • Non-medical up to $100,000 to age 65
  • Guaranteed minimum interest rate of 3.5%
  • Zero net cost loans available
  • 1% prospective interest bonus starting in year 11 (current practice)
  • Accelerated Benefit Payment Rider included at no additional cost (up to 50% of death benefit, $250,000 maximum)

Be sure to check out any changes to products through their agent portal.