Americo Financial Life and Annuity Insurance Company Securi

Americo Financial Life and Annuity Insurance Company Securi. Term Product Training 04 -064 -6 (10/05) For Agent Use Only

Life Insurance ² What is Life Insurance? Peace of Mind v Business Tool v Family Protection v Retirement Tool v 2 04 -064 -6 (10/05) For Agent Use Only

Life Insurance ² Life Insurance Questions How much life insurance does a client need? v What kind of life insurance should your client buy? v When is the best time for your client to purchase life insurance? v Which company should you represent? v 3 04 -064 -6 (10/05) For Agent Use Only

Life Insurance ² How much life insurance does a client need? v How much of a legacy do they want to leave behind? v How much debt do they want to pay off for family? v How long do they want to subsidize the lost income from their death? v What responsibilities do they have that may become a burden on family? 4 04 -064 -6 (10/05) For Agent Use Only

Life Insurance ² What kind of life insurance should your client buy? v Term or Permanent 5 04 -064 -6 (10/05) For Agent Use Only

Life Insurance ² When is the best time for your client to purchase life insurance? v Younger and healthier clients usually get lower rates. v If you wait too long, you take the risk of not qualifying for any insurance. 6 04 -064 -6 (10/05) For Agent Use Only

Life Insurance ² Which company should you represent? v A company that offers: • Strong Ratings • Competitive Products • Great Service 7 04 -064 -6 (10/05) For Agent Use Only

Securi. Term ² What is Securi. Term? v It • • • 04 -064 -6 (10/05) • is a level term policy with: Options of 1 and 10 -year level premium periods The opportunity of having premiums guaranteed for life Non-medical underwriting up to $100, 000 through age 65 The ability to convert to a permanent policy Optional Riders 8 Strong commissions for you, the agent Policy Series 241/242 For Agent Use Only

Securi. Term ² What is Securi. Term? v Issue • • v ages (nearest birthday) Securi. Term 1: 18 - 75 Securi. Term 10: 18 - 75 (18 – 70 in Washington) Minimum Face • • • $50, 000 Standard $150, 000 Preferred $150, 000 Ultra Preferred (Not available on Securi. Term 1) 9 04 -064 -6 (10/05) For Agent Use Only Policy Series 241/242

Securi. Term ² Benefits v Simple v Guaranteed premiums v Living benefits* v Something vs. nothing *With the purchase of riders. 10 04 -064 -6 (10/05) For Agent Use Only Policy Series 241/242

Securi. Term ² Valuable Riders* v Waiver of Premium v Children's Term v Guaranteed Exchange Option • Not available with 1 -year *Waiver of Premium Rider (Series 2100), Children’s Term Rider (Series 2018), Guaranteed Exchange Option Rider (Series 2104). Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. 11 04 -064 -6 (10/05) For Agent Use Only Policy Series 241/242

Securi. Term ² Waiver of Premium* v Entire premium is waived if the primary insured becomes totally disabled. v After 180 days, Americo will waive premiums for the duration of the disability and reimburse clients for the first 180 days of the disability. ** 04 -064 -6 (10/05) * Riders are optional and available at an additional cost. Riders are not available in all states and vary by 12 state. Certain restrictions apply. th birthday Policy Series 241/242 ** This rider terminates on the earliest of the policy anniversary nearest the insured’s 60 if the For Agent Use Only

Securi. Term ² Children’s Term Rider* v Provides • level term life insurance for: Child, stepchild, or legally adopted child by the Owner through the age of 25 v Issue 04 -064 -6 (10/05) ages – 15 days to 19 years v Up to $10, 000 of coverage per child v The child can convert to a levelpremium policy for up to 5 times the amount of coverage in force upon their 25 th birthday. v If the child doesn’t convert to a policy on his 25 th birthday, the rider coverage Policy Series 241/242 For Agent Use Only terminates. 13

Securi. Term ² Guaranteed Exchange Option* v Exchange for a like policy without evidence of insurability. v Face value must be equal to or less than existing policy. v Must purchase at time of issue. v Not available with ART * Riders are optional and available at an additional cost. Riders are not available in all states and vary by state. Certain restrictions apply. 14 04 -064 -6 (10/05) For Agent Use Only Policy Series 241/242

Securi. Term ² Product Positioning v Families v Businesses v Homeowners • • • Low premiums Option to convert to a permanent policy Living benefits* *With the purchase of riders. 15 04 -064 -6 (10/05) For Agent Use Only Policy Series 241/242

Securi. Term ² Easy to Sell v Protecting your loved ones should you pass away? – v Not feeling like you are wasting your money? – v PRICELESS Flexibility to convert the policy as circumstances change? – PRICELESS 16 04 -064 -6 (10/05) For Agent Use Only Policy Series 241/242

LIFE PRODUCTS 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 x 8410. 17 04 -064 -6 (10/05) For Agent Use Only