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Instant Decision

Indexed Universal Life

Indexed Universal Life

AGENT TOOLS

100% Instant Decision eApplication

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

What is an IUL?


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.

Life Insurance Protection

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

tax-free.

Americo IUL

Product Features

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.

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

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.

How to Calculate the Index Interest Rate

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 be
guaranteed 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.

"How would two different Index Crediting Options determine the Indexed Interest Rate?"

Here is an example:

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

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

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

10% Bonus on Life Business

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.

bonus qualifications

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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

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Us

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

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.

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AGENT PORTAL

 Two product options with either 100% or 50% of base premiums available at the end of the Cash

• Continuation 10 & Continuation 25 - death benefit reduces to 10% or 25% of the original death benefit

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.

• 30, 25, 20, & 15-year level premium periods

• Least expensive option

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

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Payment Protector Sales Solution #2

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