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AMERICO 10-POINT

LIVING BENEFITS DETAILS

PRODUCT BREAKDOWN

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MORE INFO

Misc.

ADB

ADB (ACCIDENTAL DEATH BENEFIT)

Underwriting

Issue Ages:

30 years for issue age 20-50

20 years for issue age 51-60

Face Amount (Non-Medical):

$1000.00 all cause death

ADB: $100k, $150k, $200k, $250k

Term:

30,and 20 years

Death Benefit:

Full death benefit day one

Underwriting Classes:

rates are the same for Nonsmoker/Smoker

Sales

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Accendo

ACCENDO

Underwriting

FX CHEAT SHEET

PRESCRIPTION GUIDE

Sales

Issue Ages:

40-89

Face Amount:

$2,000-$50,000 (DEPENDING ON AGE)

Whole Life

Underwriting Classes:

Preferred, Standard, Modified

Builds Cash Value
No Height or Weight Chart

Riders/Features: (Only for Level Plan)

• Accelerated Death Benefit Rider

• Accidental death benefit rider

• Children's Term Insurance Rider

IMMEDIATE SOLUTION

Issue Ages:

0-85

Face Amount:

Minimum issue amount: $1,000

Maximum issue amount:

0–55 $50,000

56–65 $40,000

66–75 $30,000

76–85 $25,000

Whole Life to age 121

Underwriting Classes:

Preferred, Standard

Riders/Features:

Accidental death benefit rider

Underwriting

Sales

Immediate Solution

LIVING PROMISE

Issue Ages:

45-85

Face Amount:

$2,000-$40,000 (In WA, $5,000-$40,000)

Term:

Whole Life until 121

Death Benefit:

Full death benefit day one

Underwriting Classes:

Level and Graded Plan

Riders/Features:

• Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement

• Optional: Accidental Death Benefit Rider

Underwriting

FX CHEAT SHEET

UNDERWRITING GUIDELINES

Sales

Living Promise

IUL EXPRESS

Issue Ages:

18-70 (nontobacco)

18-65 (tobacco)

Face Amount:

$25,000-$300,000 (18-50)

$25,000 - $250,000 (51-60)

$25,000 - $150,000 (61+)

Term:

Whole Life until 121

Death Benefit:

Full death benefit day one

Underwriting Classes:

Tobacco, Nontobacco

Riders:

Accelerated Death Benefit for Critical, Terminal and Chronic Illness Riders* (Included in the policy)
Lapse GuardSM Rider* (Included in the policy)
Guaranteed Insurability Rider* (Included in the policy)
Accidental Death Benefit Rider
Disability Continuation of Planned Premium Rider
Disability Waiver of Policy Charges
Dependent Children’s Rider

*

Features:

Index crediting strategies:
IUL Express has three index crediting strategies:

100% participation rate
Higher participation rate with lower cap
Lower participation rate with no cap

Index account:
This account earns an index credit based on an index selection.

Fixed account:
An account that offers the company’s currently declared, nonguaranteed interest rate.

Underwriting

KNOCKOUT CONDITIONS

TERM CHEAT SHEET

UNDERWRITING GUIDELINES

STATE AVAILABILITY

Sales

IUL EXPRESS

CHILDREN'S WHOLE LIFE

Issue Ages:

14 Days - 17

Face Amount:

$5,000 - $50,000

Builds Cash Value

Underwriting Classes:

Standard

Riders:

Guaranteed Insurability Rider*
Death of Policy Owner Waiver of Premium Rider*

Features:

Additional coverage may be purchased in the future without evidence of insurability
Limited health questions and no medical exam
Rates never increase and benefits never decrease
Grandparents can sign application without a parent signature

Underwriting

PRODUCT GUIDE

STATE AVAILABILITY

UNDERWRITING GUIDELINES

Sales

PRODUCT BREAKDOWN

Childrens WL

GIWL

Sales

Issue Ages:

50-80

Face Amount:

$5,000 - $25,000

Whole Life

Death Benefit: Graded

Underwriting Classes:

Standard

Payment Options:

ACH, Social Security Debit Card, and Credit Card)

Premiums:

Premiums stop at or before 90.
Premiums are level throughout the life of the policy.
Premiums paid may exceed the amount of coverage. For an estimate of the year, the premiums may exceed the amount of coverage, divide the face amount by the annual premium

Features:

No medical exam!
No health questions
Guaranteed issue with no underwriting
Chronic Illness Rider (Up to 25% of face amount) (2 out of 6 Activities of Daily Living)
Terminal Illness Rider included

GIWL

SIWL

Underwriting

SIWL CHEAT SHEET

PRODUCT GUIDE

Sales

Issue Ages:

50-80

Face Amount:

Graded:

50-80 $5,000 - $25,000

Level:

50-60 $5,000-$25,000
61-70 $5,000-$30,000
71-80 nonsmoker $5,000-$35,000
71-80 Smoker N/A

Term:

Whole Life until 100

Death Benefit:

Graded, Level, Smoker, Nonsmoker

Underwriting Classes:

Standard

Payment Options:

ACH, Social Security Debit Card, and Credit Card)

Premiums:

Premiums paid may exceed the amount of coverage.
Level Premiums
Premiums stop at or before 95.

Riders: (Only available on Level Plan)

Accelerated Death Benefit for Terminal Illness Rider
Accelerated Death Benefit for Nursing Home Confinement Rider
Accidental Death Benefit Rider (issues ages 50-75)

Features:

The Graded death benefit has a built-in provision in which in case of accidental death in the first two years, the benefit paid will be the face amount of the policy.
Premiums are level and are guaranteed not to increase during the policy’s life.
Required premium payments stop at or before age 95.

SIWL

SIMPLE TERM (JH)

Underwriting

Sales

PRODUCT BREAKDOWN

Issue Ages:

20-60

Face Amount:

$25,000 - $500,000

Term:

10,15,20,25,and 30.

Death Benefit:

Full death benefit day one

Underwriting Classes:

Tobacco, Nontobacco

Riders:

(Optional) Return of Premium rider offering cash back. ONLY FOR 25 AND 30 year.
Built-in Accelerated Benefit rider for added flexibility

Features:

Vitality rewards and discounts for healthy living (MORE INFO IN PRODUCT GUIDE)

Simple Term

NEW VISTA

Issue Ages:

50-80

Face Amount:

$1,500 - $35,000

Billing Options:

EFT, Direct Express Mastercard

Term:

Whole Life until age 121

Death Benefit:

LEVEL PLAN:

The death benefit is equal to the face amount of the policy

from the 1st day of coverage.

GRADED PLAN:

During the first year of coverage, the death benefit is equal to 30% of the face amount. •
During the second year of coverage, the death benefit is equal to 70% of the face amount. •
After the second year of coverage, the death benefit is equal to the face amount of the policy.
• In the event of Accidental Death, the death benefit is equal to the face amount from the first day of coverage.

MODIFIED PLAN:

During the first year of coverage, the death benefit is equal to 110% of the annual premium (excluding the policy fee).
During the second year of coverage, the death benefit is equal to 231% of the annual premium (excluding the policy fee).
After the second year of coverage, the death benefit is equal to the face amount of the policy.
In the event of Accidental Death, death benefit is equal to the face amount from the first day of coverage.

Riders:

(OPTIONAL) An Accidental Death Benefit rider can be added at the time of application at 1X the base coverage amount (The proposed insured must be age 74 or younger at the time of application, and the rider expires at age 75.)

Underwriting

Sales

PRODUCT GUIDE

New Vista

FAMILY FREEDOM

Issue Ages:

18-75

Face Amount:

Issue Age Face Amount

18 – 45 $50K – 500K

46 – 55 $50K – 400K

56 – 65 $50K – 250K

66 – 75 $50K – 100K

Billing Options:

EFT, Debit Card

Term:

Issue Age Term

18 – 75 10 Year

18 – 70 15 Year

18 – 65 20 Year

18 – 60 25 Year

18 – 55 30 Year

Riders:

Ability to accelerate a percentage of the policy’s death benefit if the insured is diagnosed with a Terminal Illness, Critical Illness, or Chronic Illness**
(Optional) Accidental Death Benefit Rider provides an additional death benefit of 1x the base policy face amount up to $250,000 if the insured’s death is the result of an accident (available for insured issue ages 18-74, expires at insured age 75)
(Optional) Waiver of Premium Rider waives premiums should the insured become totally disabled (available for insured issue ages 18-55, expires at insured age 65)
(Optional) Child Term Rider provides $5,000, $10,000, or $15,000 in term coverage up to age 21, on the lives of up to 5 eligible (age 15 days – 17 years) children or grandchildren of the insured (available for insured issue ages 18-64)

Underwriting

Sales

FAMILYFREEDOM

SENIOR CHOICE

Issue Ages:

50-85

Face Amount:

SEE AGENT GUIDE PAGE 4

Term:

Whole Life until age 121

Death Benefit:

IMMEDIATE DEATH BENEFIT:

The immediate plan will pay 100% of the face amount upon death of the Insured in all policy years. *

GRADED DEATH BENEFIT:

if death occurs within the 1st policy year, 30% of the selected face amount will be paid.
If death occurs within the 2nd policy year, 70% of selected face amount will be paid.
In the 3rd and subsequent policy years, 100% of the face amount will be paid.
For Accidental Death, 100% of the face amount will be paid regardless of the policy year.*

RETURN OF PREMIUM DEATH BENEFIT:

For the return of premium plan, the death benefit paid will be the return of premium plus 10% interest if death occurs within the first 3 years for issue ages 50-64, or within the first 2 years for issue ages 65+.
After the graded period, 100% of the face amount will be paid. For Accidental Death,
100% of the face amount will be paid regardless of the policy year.*

NO COST BENEFITS:

Terminal Illness Accelerated Death Benefit Rider
Accelerated Benefits Rider-Confined Care

OPTIONAL RIDERS:

Grandchild Rider
Children’s Insurance Agreement Rider
Nursing Home Waiver of Premium Rider
Accidental Death Benefit Agreement

Underwriting

Sales

EASY TERM

Issue Ages:

18-70

Face Amount:

Age 18-45 $25,000- $500,000

Age 46-70 $25,000- $300,000

Rate Classes:

Male/Female, Tobacco/Nontobacco

ART TO AGE 95 AFTER THE TERM DURATION

Convertible (up to age 75) to any permanent plan without evidence of

insurability.

NO COST BENEFITS: (SEE AGENT GUIDE AND BROCHURE FOR DETAILS)

Terminal Illness Accelerated Death Benefit Rider
Accelerated Benefits Rider-Confined Care
CHRONIC ILLNESS ACCELERATED BENEFIT RIDER

OPTIONAL RIDERS: (SEE AGENT GUIDE AND BROCHURE FOR DETAILS)

RETURN OF PREMIUM (20/30 yrs, 75% of base premiums)
CRITICAL ILLNESS RIDER
DISABILITY INCOME RIDER
ACCIDENT-ONLY TOTAL DISABILITY BENEFIT RIDER
WAIVER OF PREMIUM
WAIVER OF PREMIUM FOR UNEMPLOYMENT RIDER
CHILDREN'S INSURANCE AGREEMENT
ACCIDENTAL DEATH BENEFIT
LEVEL TERM INSURANCE RIDER (HOME PROTECTOR ONLY)

Underwriting

TERM CHEAT SHEET

AGENT GUIDE

Sales

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