Policy Series 312/313
?
Agent Guide
Policy Series 312/313
? Three products to fit each client's situation ? Guaranteed coverage1 ? Guaranteed level premiums ? Simple application process
For agent use only. Not for public use. 13-160-1 (01/19) ?Americo
You have access to friendly, responsive agent and customer service representatives who are ready to answer your questions daily Monday - Friday, 8:00 A.M. to 5:00 P.M., Central. There is only one number you need to remember, 800.231.0801, to reach any Americo representative.
Reach any of the departments below by calling one number:
800.231.0801
Activity
Email & Fax
All Ultra Protector Risk Assessments should be directed to the email provided. Phone service for this purpose is no longer active.
risk.assessments@
Questions regarding: Product knowledge, Supplies, ,
Illustrations & Software, Underwriting, Pending Business, Licensing &Contracting, Amendments, Commissions, Debt, E&Oinformation
Custom and Pre-approved Advertising, Advertising Compliance Review
Submitting Paperwork: New applications to receive customized confirmation,
Underwriting and Delivery Requirements, Licensing Paperwork, Amendments, Proof of E&O Coverage
Policy information, Service forms, Claims, Inforce illustrations
TeleAmendments
agent.services@
marketing.support@
submit@ Fax: 800.395.9238
customer.service@ Fax: 800.395.9238 855.248.8327
Mailing Addresses
General Delivery: PO BOX 410288 Kansas City, MO 64141-0288
Overnight: 300 W. 11th Street Kansas City, MO64105-1618
Helpful Links
SC. SCDemo.
1 Subject to issue age limits and state availability.
Table of Contents
Why sell Ultra Protector Series?..................................................................................... 4 Ultra Protector Series Product Comparison................................................................... 5 Product Specifications..................................................................................................... 6 Riders & Additional Benefits .......................................................................................... 7 General Underwriting Information................................................................................. 8 Ultra Protector Series Underwriting................................................................................ 10 Underwriting Frequently Asked Questions.................................................................... 11 New Business Information.............................................................................................. 12 Rate Charts...................................................................................................................... 13
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Every day, families are faced with the difficult task of saying goodbye to loved ones.
the need for final expense
Funerals can be one of the most expensive purchases many people will ever make. A traditional adult funeral, including a casket and vault, carries a median cost of $8,700, and the additional expense of flowers, limousines, and obituary notices can add thousands of dollars to the total cost. Many funerals can run well over $10,000.
Source: NFDA 2017 General Price List Survey. National Funeral Directors Association, January 4, 2018.
Many people do not want to leave this financial burden with their families upon their death. A whole life insurance policy like UltraProtector Series, offered by Americo Financial Life and Annuity Insurance Company, can be a great way for your clients to protect their families from the costs of final expenses. A few questions you may want to ask your clients:
? How will your bills and funeral expenses be paid? ? Who will pay for any outstanding hospital or medical bills? ? Could your family afford to pay these bills without sacrificing
their retirement or other savings?
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Why sell Ultra Protector Series?
Ultra Protector Series is a portfolio of whole life insurance products designed to help cover the costs associated with funeral and burial expenses, unpaid medical bills, or other financial obligations that your clients' families may face when they die.
? Three products for different situations: Ultra Protector I ? full death benefit Ultra Protector II ? full death benefit Ultra Protector III ? 3-year graded death benefit; guaranteed issue1; full death benefit payable for accidental death
? Guaranteed level premiums
? Every client can qualify for coverage1
? Coverage cannot be cancelled because of age or health
? Face amounts from $2,000 to $30,000
? Pipe and cigar smokers may qualify for Ultra Protector I
? Simple application process ? No medical exams2
? No telephone interview required at point of sale
? Quick issue ? 48-hour turnaround on clean applications
? Accelerated Benefit Payment Rider automatically included with Ultra Protector I and II
? Optional Accidental Death Benefit and Children's Term Riders available with Ultra Protector I and II3
1Subject to issue age limits and state availability. 2Issuance of policy may depend upon answers to medical questions. 3State variations apply.
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