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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LifeCrestUniversal Life Insurance

06-143-6 For Agent Use Only Policy Series 179

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What Makes Americo Different?

One of the largest, independently held insurance companies 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 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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It’s a Universal Life policy with:

• Guarantees– 20 Year no-lapse with minimum premium– Minimum interest rate of 4.0%– No Cost Of Insurance deduction after age

100• Non-Med up to $100,000 to age 65• Competitive premiums• Zero net cost loans• Interest rate bonus years 11+*

*.5% by current company practice

LifeCrestWhat is LifeCrest?

As seen in Life Insurance

Selling

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Issue ages 18-75 (Age Last Birthday) Minimum face

$50,000 Standard $100,000 Preferred

Premium modes Annual Semi-annual Quarterly Monthly

Policy Series 179

LifeCrestLifeCrest Product Summary

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Benefits 20-year no lapse Cash value Competitive premiums Zero net cost loans* Accelerated Benefit Payment

Rider** (Rider Series 2127)

*Certain restrictions apply** Up to 50% of the death benefit payable reduced by the amount of any outstanding policy loans. Maximum $250,000, Minimum $10,000.”

Policy Series 179

LifeCrestLifeCrest Product Summary

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Valuable Riders Disability Income Rider Spouse Rider Waiver of Cost of Insurance Rider Children's Level Term Rider Accidental Death Benefit Rider

Disability Income Rider (Series 2115), Spouse Rider (Series 2107), Waiver of Cost of Insurance (Series 2029), Children's Level Term Rider (Series 2022), Accidental Death Benefit Rider (Series 2019). 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 179

LifeCrestLifeCrest Product Summary

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LifeCrest

May receive monthly benefits in the event of disability

Payments begin after a 90-day waiting period and are retroactive

May receive benefits for up to 2 years

Payments may be up to $2,000 per month or 2% of the base face amount, whichever is less**

Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. **Benefit amounts are limited to a maximum of 60% of the applicant’s gross earned monthly income, 40% in CA, RI, HI, and PR.

Policy Series 179

Disability Income Rider

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Increase the family protection Minimum of $10,000 Maximum can equal the base policy May be converted to a permanent

policy prior to spouse turning 65 Must be added at time of issue but

can be decreased after the 1st year**

LifeCrest

Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. **Must show evidence of insurability for increase. Can be decreased as long as the face amount of the rider after the decrease is at least $10,000.

Policy Series 179

Spouse Coverage

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Totally disabled for 6 consecutive months

Monthly Cost of Insurance, monthly expense charges, and any riders may be waived

Retroactive to the date of the claim

Costs may be waived for the life of the disability if under the age of 60 at the time of claim**

LifeCrest

Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. **If insured becomes totally disabled after the age of 60, costs are waived until age 65 or for two years, whichever is the longer period.

Policy Series 179

Waiver of Cost of Insurance

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Provides level term life insurance for:• Child, stepchild, or legally adopted child of the Owner through

the age of 25 Issue ages – 15 days to 19 years Up to $10,000 of coverage per child The child may convert to a level-premium

policy for up to 5 times the amount of coverage in force upon his 25th birthday.

If the child doesn’t convert to a policy on his 25th birthday, the rider coverage terminates. Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply.

LifeCrest

Policy Series 179

Children’s Term Rider

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May provide an additional death benefit if the insured passes away due to an accident.

Provided up to age 70 Insured must die within 90 days as

a result of the accidental injury

LifeCrest

**Certain restrictions apply

Policy Series 179

Accidental Death Benefit Rider

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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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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.