Americo Mortgage Protection

Americo's Mortgage Protection is a simplified issue, non-medically underwritten term insurance. This product is easy to understand and easy to sell. Your clients will appreciate the ease of issue and the lack of medical testing or drawing blood. The issue time is fast and the paperwork requirements are minimal. Mortgage protection can get you in the door and can help you sell clients their first insurance policy.

Americo can also be used as an Annuity Companion. The Annuity Companion product provides benefits that "round out" the retirement savings purpose of an annuity. See this illustrative chart to understand how the Annuity Companion product works. The Annuity Companion provides $250,000 in simplified issue death benefit, $100,000 in critical illness lump sum benefit and $2,000 per month disability income benefit.

Many families are forced to leave the family home due to economic hardship caused by death, disability or unemployment. Are you prepared for the unexpected? Americo's Home Mortgage Series is a portfolio of term life insurance products and optional riders that can help you and your family keep your home and your valuable insurance protection if the unexpected happens. It is affordable protection you and your family can count on when you may need it most.*

Americo's policies provide Mortgage Protection and a lot more:

• Help pay off the mortgage upon death
• Help pay the mortgage payment upon disability (Rider Series 2145/2145-C)**
• Provide a lump sum of cash if diagnosed with a critical illness (Rider Series 2139/2139-C)**
• May refund up to 100% of premium at the end of the term if benefits were never used (Rider Series 2132/2133/2143)**
• Level premium periods of 15, 20, 25 and 30 years
• Premiums guaranteed for five years or for full level premium period
• Minimum issue $25,000
• Accept/reject; issued standard through table 6
• Non-medical through $250,000
• Saliva test $250,001 to $350,000
• $80 fully commissionable annual policy fee
• Issue ages 20-60 (HMS 20: 20-55, HMS 25: 20-50, HMS 30/30: 20-45, HMS 30/5: 20-60)
• Competitive commissions

* Home Mortgage Series (Policy Series 174, 228, 234). May not be available in all states and certain restrictions apply. Riders are optional and available for an additional cost.

** With optional riders and for an additional cost.

Top 10 Reasons to Sell Americo Mortgage Protection