Americo IUL

Instant Decision

What is an IUL?

Instant Decision IUL

Unlock the full potential of your insurance business with Instant Decision IUL – where simplicity meets innovation. As an agent, you understand the challenges of selling insurance in a competitive market. That's why we've crafted a product that not only caters to the needs of your clients but also facilitates an ease of doing business that sets you apart.

Text and email signature options Decisions are immediate - work when you want to - even nights and weekends Electronic policy delivery available Competitive commissions paid daily 10% Cash Bonus on your business

Agent Guide

Rate Guide

Highlights Flyer

Application Packets

Products at a Glance

DIR Occupation Guidelines

Materials & Training

Application Packets

Client Brochure

Approved Advertising Materials

Marketing Boosts

10% Bonus on Life Business

Earn an Extra 25% Credit on Continuation 25

Americo wants to pay you cash! You can earn a 10% bonus check on your life business. Meet the UFirst Rewards requirements by November 30, 2024, and receive a 10% bonus check in December.

15% bonus payout on Plan N 15% bonus payout on all Plans in MN 12.5% bonus payout on all other Plans

bonus qualifications

Advertising Guidelines

Compliance Guidelines

Client Flyers

AGENT TOOLS

100% Instant Decision eApplication

AGENT PORTAL

cash back Option

Universal life policies that offer level insurance with Cash Back Option guarantees

Two product options with either 100% or 50% of base premiums available at the end of the Cash Back Option period depending on the version of the product purchased

Permanent protection

Whole life decreasing death benefit products that offer permanent protection

• Continuation 10 & Continuation 25 - death benefit reduces to 10% or 25% of the original death benefit • Payment Protector Continuation 10 - death benefit is equal to 10% of the initial lump sum death benefit

Payment Protection

Decreasing term coverage where the death benefit is paid in monthly income payments

A different way to help protect your clients' assets. Traditional life insurance products provide a lump sum death benefit. With Payment Protector, the death benefit can be paid in monthly income payments.

level term insurance

Affordable simplified issue, level term products

• 30, 25, 20, & 15-year level premium periods • Available at higher issue ages • Living benefit riders included at no additional cost

accidental death

Term life insurance that provides affordable coverage in case of death due to an accident

• Least expensive option • Potential to qualify with health conditions • Supplement to other coverage

Living benefits

Assistance in the event of a Critical, Chronic, or terminal illness diagnosis

Included at no additional cost on Term, CBO, and Continuation products, Living Benefit Riders can help offer peace of mind at a critical time.

Life insurance can help protect your clients’ family and from the financial hardships that can come with the death, disability, or critical illness of the primary breadwinner. Americo's Instant Decision Term Series feature simplified issue products that make it easy for clients to find peace of mind that their families are protected. If you have clients with specific needs, a policy from Americo may be a good fit for them. Best of all, our products offer a 100% instant decision. You can review our Term Portfolio products below.

Product Portfolio

Product Flyers

Client Videos

ALABAMA ALASKA ARIZONA ARKANSAS CALIFORNIA COLORADO CONNECTICUT DELAWARE FLORIDA GEORGIA HAWAII IDAHO ILLINOIS INDIANA IOWA KANSAS KENTUCKY LOUISIANA MAINE MARYLAND MASSACHUSETTS MICHIGAN MINNESOTA MISSISSIPPI MISSOURI MONTANA NEBRASKA NEVADA NEW HAMPSHIRE NEW JERSEY NEW MEXICO NORTH CAROLINA NORTH DAKOTA OHIO OKLAHOMA OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA TENNESSEE TEXAS UTAH VERMONT VIRGINIA WASHINGTON WASHINGTON DC WEST VIRGINIA WISCONSIN WYOMING

Product Flyers

Continuation 10 & Continuation 25

Payment Protector 10

Payment Protector Continuation

Living Benefit Riders

Cash Back Option & Living Benefits

CBO 100 & CBO 50

Payment Protector

Term 100 & Term 125

ADB

Continuation 10 & Continuation 25

Client Brochures

Payment Protector Continuation 10

Term Porfolio Trifold

Spanish Term Porfolio Trifold

Getting a customized advertisement is easy. Scroll through the ads, roll over the image to make it bigger, and when you are ready, simply click on the Customize button below and fill out the form. We will email you with a Press-ready PDF within 3 business days that you can take to any local printer (we do not provide printing or mailing).

Request Customization

Client Postcard 23-015-2

Client Postcard

Client Postcard 23-015-1

ADB Postcard

Agent Flyer 23-015-5

Recruiting Ad

Client Response Mailer 23-015-3

Lead Mailer

Client Lead Letter 23-015-4

Lead Generator

Corporate Strength Brochure

Client Profile Worksheet

Payment Protector Worksheet

Life Insurance Needs Analysis Worksheet

Cash Advantage Option Sales Solution

Age Last Birthday Sales Solution

Client Flyers & Worksheets

Income Term Rider Advantage Sales Solution

Payment Protector Client Video

Continuation 10 Client Video

Continuation 10 Client Video (Spanish)

Client Videos

CBO 100 & CBO 125

Term Series Porfolio

Agent Tools eApplication

Payment Protector Sales Solution #1

Term 100 & Term 125

CBO Sales Solution

Continuation 10 & Continuation 25

Payment Protector & Payment Protector Continuation 10

Training Videos

ADB

Payment Protector Sales Solution #2

Become An Agent

Americo contracts our Independent Agents through Independent Marketing Organizations (IMO). Please contact your IMO for more details. Americo does not contract agents directly. If you do not have an IMO, contact Americo Agent Services at agent.services@americo.com or complete our request form by clicking the "Become An Agent" button.

Agent Services Marketing Support Life New Business Fax Life Insurance TeleAmendments Upload Applications Policyholder Services Claims Claim Forms New Business 800.231.0801 agent.services@americo.com marketing.support@americo.com 800.395.9261 (f) 866.214.0054 Portal.Americoagent.com 800.231.0801 (p) 800.395.9238 (f) customer.service@americo.com 800.231.0801 forms@americo.com 800.395.9238 submit@americo.com

Become An Agent

At Americo, we provide the solutions you need to grow your business. As an independent agent, you want the tools to make your business successful. Americo focuses on your sucess and provides you with personalized support.

Innovative products Creative business processes Education and sales tools Industy-leading service

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materials

HOW IT WORKS

Product features

INSTANT EVERYTHING

Product Training Video

Indexed Universal Life

Now available!

More materials coming soon!

An Indexed Universal Life (IUL) insurance policy combines the security of permanent life insurance with the potential for cash value growth linked to the performance of a major market index, such as the S&P 500®. IULs provide the opportunity for the accumulation of cash value. The innovative design of an IUL not only ensures a death benefit for beneficiaries but also allows policyholders the potential to enhance their financial future by leveraging the positive movements of the stock market. It's a strategic and customizable financial solution for those seeking permanent life insurance coverage with the added potential for long-term financial growth.

Americo IUL Product Features

Life Insurance Protection

Coverage available for all needs, from $50,000 - $450,000. The death benefit passes to your beneficiary income tax-free.

Growth Potential

Indexed universal life insurance offers tax-deferred cash value growth with two separate interest accounts. You can allocate premiums to the Declared Interest Account or the Indexed Interest Accounts.

Living Benefits

For clients diagnosed with a critical, chronic, or terminal illness, Living Benefit Riders may give them access to an early (accelerated) payout of the policy death benefit.

How Does Interest Crediting Work?

Americo’s Instant Decision IUL uses the Point-to-Point method to determine the index rate. The indexed crediting rate applied is the index rate multiplied by the declared Participation Rate or limited by a Cap. The resulting percentage is the interest rate used to credit interest to the indexed account at the end of the year-long crediting period. The Point-to-Point method utilizes an annual reset feature which means that yearly interest earnings are locked in and subsequent index value are recalculated each year.

Point-to-Point with Cap

Beginning Account Value: Insurance Costs: Cap: Beginning Index Value: Ending Index Value: Index Growth Rate: Indexed Interest Crediting Rate: Ending Participation Account Value:

$10,500 $500 12% 1,000 1,200 20% 12% $11,200

Assumes a beginning Participation Account value of $10,500. All examples shown are hypothetical and intended only for illustrative, educational purposes.

Point-to-Point with Participation Rate

Beginning Account Value: Insurance Costs: Participation Rate: Beginning Index Value: Ending Index Value: Indexed Growth Rate: Indexed Interest Crediting Rate (20%*75%): Ending Participation Account Value:

$10,500 $500 75% 1,000 1,200 20% 15% $11,500

"How would two different Index Crediting Options determine the Indexed Interest Rate?" Here is an example:

How to Calculate the Index Interest Rate

Minimum face amounts start at $50,000 and non-medical up to $450,000 Interest based on the performance of the S&P 500® Two indexed interest options with 1-year index period Potential to accumulate cash value Living Benefit Riders included at no additional cost

To determine the Index Rate, the annual Point-to-Point method compares the closing values of the S&P 500 Index at the beginning and the end of each 1-year period [(ending value - beginning value)/beginning value]. The Net Index Rate applied to the indexed account will be determined by adjusting the Index Rate by the current Participation Rate or Cap. The Participation Rate and Cap are declared in advance of each year-long index period and will beguaranteed for the year-long index period. The Participation Rate is the percentage of the index rate that will be used in determining the Net Index Rate. A Cap is the maximum Net Index Rate that may be applied to a indexed account.

Agent incentive

Agent Services 800.231.0801 agent.services@americo.com Marketing Support marketing.support@americo.com Life New Business Fax 800.395.9261 (f) Life Insurance TeleAmendments 866.214.0054 Upload Applications Portal.Americoagent.com Policyholder Services 800.231.0801 (p) 800.395.9238 (f) customer.service@americo.com Claims Claim Forms 800.231.0801 forms@americo.com New Business 800.395.9238 submit@americo.com

Materials & Training

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY. Americo Indexed Universal Life (Policy Series 336) is a flexible premium adjustable life policy 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. 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. 23-084-7 (02/24)

REV: 02/24

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IUL Training Videos

Running IUL Quotes Video

IUL eApp Training Video

Plus, you can earn an extra 25% credit for sales on our Instant Decision IUL product. This incentive is valid from February 23, 2024, through the end of the qualification period!

Current Rates