AGENT GUIDE

Instant Decision Indexed Universal Life

Policy Series 336

FOR AGENT USE ONLY. NOT FOR PUBLIC USE.

23-084-1 (02/24) ©Americo
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 Reach any Americo Department by calling one number:

800.231.0801
Agent Services [email protected]
Marketing Support [email protected]
New Business submit@americo
800.395.9238 (fax)
Customer Service [email protected]
800.395.9238 (fax)
TeleAmendments 855.148.8327

Mailing Addresses
General Delivery: Overnight:
PO BOX 410288 300 W. 11th Street
Kansas City, MO 64141-0288 Kansas City, MO 64105-1618

Helpful Links
Portal.Americoagent.com
AmericoIUL.com
Tools.Americoagent.com
Tools-Demo.Americoagent.com
AgentCafe.com

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 Table Of
Contents
03 Product Information
05 Living Benefits
07 Product Specifications
11 Product Underwriting

Getting Started

Quote premiums and write applications with our Agent Tools

instant decision eApplication.

Ð Login to Agent Tools at Tools.Americoagent.com or from the Agent Portal home page.

Ð The credentials for Agent Tools are the same as your Agent Portal login.

Ð Once logged in, you can run an illustration, start a new eApplication, or continue one
that was previously started.

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 Instant Decision
Indexed Universal Life
Instant Decision IUL from Americo Financial Life and Annuity Insurance Company is an Indexed
Universal Life insurance policy designed to provide your clients with permanent life insurance
coverage. The process is easy with our simplified underwriting and eApplication. Your clients will
know if they’re approved in a matter of minutes.

Product Highlights
Ð Accumulate cash value with the potential to lower or cover premiums.
Ð Interest based on the performance of the S&P 500®.
Ð Two indexed interest options with 1-year index period.
Ð Living Benefit Riders (Critical Illness, Chronic Illness, Terminal Illness) included at no
additional cost.
Ð Face amounts starting as low as $25,000 (depending on age) and non-medical up to $450,000.

Ease of Doing Business

Ð 100% Instant decision eApplication
Ð Full electronic process - text and email signatures with 6-digit code
Ð Simplified underwriting with our eApplication
Ð Policy eDelivery available
Ð Competitive commissions paid daily to help you build your business
Ð Outstanding support and service

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How is Instant Decision IUL Sold?
Traditional UL products may require complicated software with many different solves and variables to determine
the face amount and premium. NOT with Instant Decision IUL. Agent Tools will provide a simple premium quote
based on the predetermined insured and policy parameters. Instant Decision IUL is sold utilizing Americo’s easy-to-
use eApplication and instant decision process.

Ð The premium quote is the premium required to keep the desired face amount in force and the cash values
to endow at age 120. This is based on the maxiumum illustrated rate for the indexed interest account and all
assumptions are unchanged in the future.
Ð The Policyowners can allocate funds in either or both the S&P 500 Point-to-Point with Participation Rate or the
S&P 500 Point-to-Point with Cap.
Ð The Policyowner must review and sign a full policy illustration. This illustration, based on the premium quote
provided, is built into the eApplication so it is signed with the application at the point-of-sale, and a copy
delivered with policy print.

How Does Index 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.

Here is an example of how two different Index Crediting Options determine the Indexed Interest Rate.
Point-to-Point with Cap Point-to-Point with Participation Rate
Beginning Account Value $10,500 Beginning Account Value $10,500
Insurance Costs $500 Insurance Costs $500
Cap 12% Participation Rate 75%
Beginning Index Value 1,000 Beginning Index Value 1,000
Ending Index Value 1,200 Ending Index Value 1,200
Index Growth Rate 20% Indexed Growth Rate 20%
Indexed Interest Crediting Rate 12% Indexed Interest Crediting Rate (20%*75%): 15%
Ending Account Value $11,200 Ending Participation Account Value: $11,500

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

If your client is diagnosed with an unexpected illness, lost income and medical expenses can take a toll on a
family budget. The Living Benefit Riders can help offer peace of mind at a critical time. These benefits may
give your clients access to an early (accelerated) payout of the policy death benefits if they are diagnosed with a
critical, chronic, or terminal illness.
Even better, these Living benefits are included at no additional cost to your client. Having access to this benefit
could make an important difference in the quality of life for them and the lives of their loved ones.

How Does it Work?

The requested benefit acceleration amounts will be reduced by an administrative charge and an actuarial
discount, based on the insured’s life expectancy at the time of the request. Calculated benefits may result in no
payment.

Benefit Calculation Example

A 40-year-old healthy male purchases an IUL policy. At age 43 he is diagnosed with cancer. He has to take time
off work for treatment. Expenses and medical bills begin to accumulate. After completing treatment, his medical
bills total over $75,000.
The IUL policy he purchased included the Living Benefit Riders at no additional cost. He requested in writing
the Accelerated Benefit for the full $100,000 face amount. His condition qualified him for the Critical Illness
Accelerated Death Benefit Rider and he received $79,206 based on a 3-year life expectancy.

3-Year Life 10-Year Life 15-Year Life

Expectancy Expectancy Expectancy
Face Amount $100,000 $100,000 $100,000
Requested Acceleration $100,000 $100,000 $100,000
less Actuarial Discount $20,544 $67,996 $93,988
less Administrative Charge $250 $250 $250
Accelerated Death Benefit $79,206 $31,754 $5,762
All examples shown are hypothetical and intended only for illustrative, educational purposes. Figures used in
the hypothetical are not guaranteed or indications of actual coverage amounts.
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Critical Illness Accelerated Death These riders are added automatically and at no
Benefit Rider additional charge.
Rider Series 2195 These benefits may provide an accelerated death
A Critical Illness qualifying event is when a physician benefit, payable as a lump sum, upon the occurrence
certifies that the Insured has had one of the following of a qualifying event. The request for the Accelerated
conditions in the last 12 months: Death Benefit must be in writing and Americo must
receive the request while the policy is in force.
Ð Amyotrophic Lateral Sclerosis (ALS)
Ð End Stage Renal Failure (Kidney Failure) Partial accelerations are not available.
Ð Invasive Cancer If an accelerated benefit is paid, then all living benefit
Ð Major Organ Failure riders and the policy to which the riders are attached
Ð Myocardial Infarction (Heart Attack) will terminate immediately.
Ð Stroke

Important Reminder
Chronic Illness Accelerated Death Requested Acceleration amounts will be reduced
by a flat administrative charge and also an actuarial
Benefit Rider discount, based on the insured’s life expectancy at the
Rider Series 2196 time of the request. Calculated benefits may result in
A Chronic Illness qualifying event occurs if a physician no payment to the Owner.
has certified that for a continuous 90-day period
within the last 12 months the Insured:
Ð is unable to perform (without substantial
assistance from another person) at least two
activities of daily living due to loss of functional
capacity; or
Ð requires substantial supervision to protect
himself/herself from threats to health and safety
due to severe cognitive impairment.

Terminal Illness Accelerated Death

Benefit Rider
Rider Series 2197
A Terminal Illness qualifying event occurs when a
physician certifies that the Insured has a terminal
illness. A terminal illness is defined as a medical
condition that, with a reasonable degree of medical
certainty, will result in the Insured’s death within
12 months from the date the physician signs the
statement of proof of terminal illness.

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 Product
Specifications
Type No-Lapse Guarantee Premium
Indexed Universal Life There is a no-lapse guarantee (NLG) period of 5 years.
Payment of the monthly NLG Premium is required
during the NLG period to keep the policy in force. The
Issue Ages (Age Last Birthday)
minimum monthly premium payable in the first year
Minimum Issue Age: 18 equals the NLG Premium.
Maximum Issue Age: 75 The premium quoted in Agent Tools is guaranteed to
keep the policy in force for the lesser of 20 years or to
Rating Class age 80. Assumes all premiums are paid on time and no
loans or withdrawals are taken.
Non-nicotine; Nicotine
Not available on a Substandard basis. Premium Mode
A Non-nicotine classification applies to anyone who Monthly Bank Draft
has not used nicotine products (including, but not
limited to, cigarettes, cigars, pipes, chewing tobacco,
snuff, alternative nicotine delivery devices such as
Issue Limits
nicotine chewing gum or lozenges, nicotine patches or Minimum Face Amount Under Age 65: $50,000
e-cigarettes or any device used for the vaporization of
liquid nicotine) for at least 24 months. Minimum Face Amount 65 and Older: $25,000
Maximum Face Amount: $450,000
Gender
Male / Female
Death Benefit
Option A (Level) and Option B (Increasing) are
Issue Limits available.

Premiums payable to attained age 120. Option A is the only option available at the point of
sale.
Net Premiums (the premium after Premium Expense
Charges are deducted) received will be held in the After the first policy year, face amount may be increased
sweep account until the next monthiversary and or decreased. Decreases are subject to a partial surrender
then swept into the declared interest account and/or charge and may not result in a face amount less than the
indexed interest accounts based on owner’s allocation Minimum Face Amount allowed at issue. Increases are
instructions. limited by maximum allowed for any one life and must

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occur prior to the insured’s attained age 85. A change in Interest Crediting Account
face amount will be effective on the next monthiversary
following approval. There are two Indexed Interest options each with a
1-year index period.
After the first policy year, the death benefit option
may be changed. If changing from Option A to Option Ð S&P 500 Point-to-Point with Participation Rate
B, the face amount will decrease by the accumulation Ð S&P 500 Point-to-Point with a Cap
value; however, the change is not allowed if the
resulting face amount would be less than the Minimum Guaranteed Minimum with Cap: 3%
Face Amount.
Guaranteed Minimum Participation Rate: 15%
If changing from Option B to Option A, the face
amount will increase by the accumulation value. A
change in death benefit option will be effective on the No-Lapse Guarantee
next monthiversary following approval. A 5-year No-lapse Guarantee will be included in
this product. Starting on the policy effective date,
Monthly Policy Charges the total premiums paid less any partial surrenders
(including applicable partial surrender charges) and
Policy Loads any indebtedness must be greater than or equal to the
cumulative No-lapse Guarantee Premium. There is
A per policy load of $5.00 deducted monthly to age 120 unlimited ability to catch up premiums as long as there
on a current basis. $7.00 deducted monthly to age 120 on has been no prior lapse. The No-lapse Guarantee can
a guaranteed basis. be reinstated if the policy has been lapsed, as long as all
A load per unit of face amount applies on a current basis back No-lapse Guarantee Premium is paid.
(number of years varies by age), and for all years on a If No-lapse Guarantee keeps the policy in force with
guaranteed basis. Unit load varies by class, gender, and a negative accumulation value, negative interest will
issue age. not be credited and the net amount at risk will not
Percent of Premium Expense Charge of 7% of premium increase. At the end of the No-lapse Guarantee period,
on both a current and guaranteed basis in all years. a premium necessary to cover COIs and expenses must
be paid to keep the policy in force.
The No-lapse Guarantee premium for the base policy
Monthly Deductions will be increased by the No-lapse Guarantee Premium
Monthly deductions will be assessed against the sweep for any riders attached to the policy.
account first with any remaining amount taken out of If during the No-lapse Guarantee period the face
the declared interest account followed by the indexed amount is changed, the No-lapse Guarantee Premium
interest accounts. Deductions from indexed interest for the base policy will be recalculated as of the effective
accounts will be taken first from the indexed interest date of the change based on the same percentage change
account furthest from an index credit (LIFO). If there in the face amount.
are two indexed interest accounts with the same time to
index credit, the deduction will be taken pro-rata from
each account based on account value. Lapse Basis
During the first 5 years, the policy will enter the grace
Interest Credits period if the surrender value is not sufficient to cover
a monthly deduction, unless the No-lapse Guarantee
Each policy can have Indexed Interest Accounts, a Premium test has been met. At this point, the owner
Sweep Account, and a Declared Account. has 61 days to make a payment equal to the lesser of 1)
Guaranteed minimum interest rate is 2% for both the three monthly deductions, adjusted by the percent of
Sweep Account and Declared Interest Account. premium load, plus any unpaid policy loan interest or 2)
the amount required to avoid lapse pursuant to the No-
Interest crediting to an Indexed Interest Account will lapse Guarantee provision for three months.
be no less than 0%.
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After year 5, the policy will enter the grace period if the Policy Loan
accumulation value less indebtedness is not sufficient to
cover a monthly deduction. The minimum loan amount allowed is $100. The
maximum loan allowed is calculated as (a) minus (b)
minus (c), where:
Surrender Charges
a. is the surrender value;
Applicable during the first 14 policy years. Expressed as b. is the interest that will accrue on the loan to the
a rate per $1,000 of face amount. Decreases in the face end of the policy year in which the loan is made;
amount will be assessed a partial surrender charge. c. is the monthly deduction for the next
A Partial Surrender Charge is a percentage of the monthiversary occurring on or after the date of
Surrender Charge equal to the percentage reduction in the loan.
the face amount, but in no event less than $50. Partial
surrenders will reduce the face amount by the amount Types of Loans
of the partial surrender, not including the partial
surrender charge. There are two types of loans:
Ð An Index loan is made against the value of the
Reinstatement indexed interest accounts. The requested loan
amount plus any existing Index Loan amount,
Policy may be reinstated within three years from the including interest that has either accrued or been
date of termination and during the lifetime of the added to the Index Loan, cannot exceed the value
insured. Evidence of insurability is required. of the indexed interest accounts. Interest will be
The minimum reinstatement premium equals charged in arrears at a rate that is declared by the
the next three monthly deductions following Company annually and can change on a policy
reinstatement adjusted by the percent of premium load. anniversary, but will never be more than the
Reinstatement of the No-lapse Guarantee requires guaranteed maximum annual rate of 8%. Indexed
payment of all No-lapse Guarantee Premiums missed. interest account value impaired by the loan will
The effective date of reinstatement will be the continue to receive index credits in the same
monthiversary on or next following the day the manner as the unimpaired account value. If the
company approves the application for reinstatement. index loan is greater than the indexed interest
Upon reinstatement, the accumulation value, equal account values, the excess loan balance will be
to the accumulation value as of the date of the lapse applied against the declared account value, where
minus any loan as of the date of lapse, will be placed the impaired value will continue to be credited
in the sweep account. Policy years will continue to be interest in the same manner as the unimpaired
measured from the Policy Date. account value.

Transfers Ð A Standard loan is made against the declared

interest account. The requested loan amount
Transfers will occur on sweep dates. Transfers out of
plus any exising Standard Loan amount, including
an Indexed Interest Account will occur at the end of
interest that has either accrued or been added
the Index Period and after any index credits have been
applied. Minimum transfer is $50 or the remaining to the Standard Loan, cannot exceed the value
account value. Minim​um remaining account value is of the declared interest account. Interest will
$50. An existing policy loan may restrict the amount of be charged at a 4% annual rate payable in arrears
the transfer. during the first 10 policy years and 2% annually in
policy years thereafter. Declared interest account
value impaired by the loan will be credited at a 2%
interest rate.

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If the loan type is not specified, the default is a standard
loan.
A Policy Loan is available during all policy years. The
loan will be effective as of the monthiversary on or next
following the request.

Partial Surrenders
Partial surrenders are subject to the following
conditions:
Ð Not available during the first policy year
Ð Minimum is $500
Ð Cannot exceed the surrender value less the sum of
the next three monthly deductions
Ð Not allowed if the face amount would decrease to
less than Minimum Face Amount
Ð Only one is allowed during each policy year
Ð The face amount will decrease by the amount of
the partial surrender, not including the partial
surrender charge for Option A policies
Ð Will be deducted from the sweep account first,
then the declared interest account and then from
the indexed interest account furthest from an
index crediting date. If there are two indexed
interest accounts with the same time to index
credit, the transfer will be taken pro-rata from
each account.
Ð The amount deducted will equal the partial
surrender plus the partial surrender charge

Replacements
External replacements are allowed using the
eApplication process only. All necessary forms are
included in the eApplication.
Internal replacements are not allowed.

Riders / Benefits
Ð Critical Illness Accelerated Death Benefit Rider
(Series 2195)
Ð Chronic Illness Accelerated Death Benefit Rider
(Series 2196)
Ð Terminal Illness Accelerated Death Benefit Rider
(Series 2197)

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 Product
Underwriting

Important Note Regarding Insurable Interest

Americo’s Underwriting The first step in assessing life insurance risk is
Standards establishing insurable interest, which must be
determined before the life insurance policy is
The following information is a subset of Americo’s approved. An insurable interest exists when the Owner
underwriting guidelines and does not reflect the (sometimes referred to as the Applicant) is likely to
full underwriting standards of Americo. Because suffer some financial loss or detriment if the Insured
Americo’s underwriting guidelines are extensive dies.
and cannot be condensed for practical field use, this
Most often, life insurance contracts are written naming
information provides a list of common factors for agent
the Insured as the Owner of their own policy. In this
consideration when screening clients for Americo
situation, the Insured is said to have an unlimited
products. The information provided is to assist you in
insurable interest in their own life. Other close
understanding the guidelines used by Americo when
personal relationships may also have an insurable
reviewing applications. These are guidelines only. Each
interest in the life of the Insured and are able to apply
case underwritten by Americo is unique and all factors
for and own life insurance on another individual. Some
from all sources are taken into consideration before a
of these personal relationships include:
final underwriting decision is made. Each application
is reviewed based on the circumstances and conditions Ð Spouse
contained therein and may involve additional Ð Parent (of minor children)
requirements. The underwriting staff at Americo Ð Child, Brother, or Sister (in some circumstances)
reserves the right to deviate from these guidelines as Ð Grandparents (with parent permission)
may be appropriate for the proper underwriting of Ð Legal Guardian and Conservator (with
any case. This information and the full underwriting accompanying court documentation)
guidelines used by Americo are subject to change.
Certain Business and Financial relationships may
represent special instances of limited insurable interest
as well. The purpose of the insurance may also be
accomplished by the way the beneficiary designation is
written.
Some examples of these situations are:
Ð Creditor (the amount of insurance must not
exceed the indebtedness)

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 Ð Principal stockholders Military Guidelines
Ð Employer to key employee
Ð Business partnerships If deployment orders are pending, or have been
received (verbal or written), please indicate and supply
Ownership in all cases must be prudent and the location of the next duty site for underwriting
reasonable. Examples of questionable ownership would consideration. Please note, agents are not permitted
be: to sell Americo products on military bases. In
the event of any future military conflict, these
Ð Application requests owner to be the parent of guidelines may be discontinued.
an adult, married, Proposed Insured without
reasonable explanation.
Ð Applicant requests owner to be the adult child
Foreign Nationals and Foreign Travel
of an adult Proposed Insured without reasonable Coverage is not available for foreign nationals visiting,
explanation. those temporarily residing in the United States, or
individuals not residing legally in the United States.
If proper insurable interest has been established, Consideration may be given to non-citizens who have
beneficiary designations on the application are established legal, permanent residency in the United
generally acceptable as written. Usually, if the Insured States and are applying for citizenship. One of the
is the Owner of their own policy, they are free to name following documents must be submitted with the
a beneficiary with few restrictions. Please contact application. No exceptions will be made.
Underwriting if you have questions. Ð Copy of the applicant’s Green Card or
Permanent Visa (B1 - B2 Visas not acceptable)
Plan Eligibility Ð Copy of U.S. Citizenship and immigration
Services Form I-551
Eligibility will be determined by a number of factors.
Among them are the applicant’s prescription and Underwriting reserves the right to use any and all
MIB Database histories, answers to the application information developed in making a determination of
questions, and previous Americo application eligibility under these guidelines.
information.
Foreign Residence and Travel – United States
citizens making short trips (4 weeks or less) out of
Underwriting Health Changes the country for business, pleasure, or educational
purposes are usually acceptable risks, depending on
Any change in the health of the proposed insured
their destination. Please complete a Foreign National
that occurs after the original application date, but
and Foreign Travel Questionnaire for applicants who
before coverage becomes effective, must be reported to
anticipate future foreign travel and submit it at the
Americo. Provide detailed information regarding the
time of application. The Foreign Travel Questionnaire
health change directly to Underwriting through the
is not required in all states. Please contact your
Agent Services.
underwriter to determine which states do not require
this information and form.
Medical Check-Ups
Whether the medical check-up is for periodic wellness
exams or symptomatic in nature, it is important to
provide complete details on the application. You
should list the reason for the exam, date, and results
of the check-up for all proposed insureds. Always
provide the name, address, and telephone number of
the attending physician or medical facility. If there
is a patient identification number such as a Kaiser
Permanente number, please include that information
on the application as well.
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Underwriting Advantages The need for specialized medical questionnaires
has been eliminated, except in a few instances.
Ð Underwriting decisions are based on medical The questions on the application are sufficient
questions on the application, an MIB, and for underwriting known risk factors. If additional
prescription drug check. No parameds, no blood, information is obtained from 3rd party sources (as
no urine, no APS…no hassle. mentioned above) that information will be obtained
Ð Non-medical up to $450,000 with no saliva in the most efficient way possible. If a specialized form
required is required, you will be given specific direction on the
application.
Medical Requirements
Underwriting Build Chart
Non-Medical: $25,000 - $450,000
Below are the acceptable ranges of build providing no
Non-Medical other impairment is present.

It is important to secure an accurate medical history,

asking all health questions and providing the answers HEIGHT WEIGHT
in the space provided on the application. In every 4’8” 80 - 188
case, please provide the name, address, and telephone 4’9” 82 - 195
number of the applicant’s personal physician plus the 4’10” 85 - 202
date, reason, and results of the last check-up. 4’11” 88 - 209
5’0” 91 - 216
Medical History Questions 5’1” 95 - 223
5’2” 97 - 231
Read the instructions for the Medical Questions in 5’3” 100 - 238
Section 7 very carefully. 5’4” 103 - 246
5’5” 107 - 254
Questions 1a and b are the Nicotine History questions: 5’6” 110 - 262
Ð These have been written to allow the Proposed 5’7” 113 - 270
Insured to identify their current and past nicotine 5’8” 117 - 278
use. 5’9” 120 - 286
5’10” 123 - 295
Ð Any use identified by a check box entry should be
5’11” 127 - 303
quoted nicotine rates.
6’0” 131 - 312
Ð If the “No nicotine products” check box is
6’1” 134 - 321
checked, non-nicotine rates may be quoted.
6’2” 138 - 330
6’3” 142 - 339
ALL Questions are ‘knock out’ health questions.
6’4” 145 - 348
The entire question should be read and understood, and 6’5” 149 - 357
then answered carefully. 6’6” 153 - 366
6’7” 157 - 376

Questions 4 through 13 and Section 8 are general health questions:

Ð If the initial question is answered “No”, none
of the additional information, or drill down
questions, located below require completion.
Ð If the initial question is answered “Yes”, then all
drill downs for that question are required.

13
14
 LOCATED AT
300 W. 11th Street
Kansas City, MO 64105

CONTACT US AT
800.231.0801
[email protected]

FIND US AT
www.americo.com

For over 100 years, Americo Life, Inc.’s family of insurance companies has been
committed to providing the life insurance and annuity products you need to protect your
mortgage, family, and future.1 We listen to what you want from an insurance policy or
annuity and do our best to provide a proper solution for your individual situation.

Innovative thinking and sound investment decisions have helped us build a strong
financial foundation for our business. Today, Americo Financial Life and Annuity
Insurance Company is the lead company in one of the largest independent, privately held
insurance groups in the United States2, with $8.4 billion in assets for year-end 2022.3

1
Americo Life, Inc. is a holding company and is not responsible for the financial condition or contractual obligations of its affiliate
insurance companies.
2
“Admitted Assets, Top Life Writers-2023,” A.M. Best Co., as of September 2023.
3
Information is as of year end 2022 on a consolidated basis for Americo Financial Life and Annuity Insurance Company and the
other life insurance subsidiaries of Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally
accepted accounting principles (GAAP).

Important Information

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states
except NY.
Products are underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary
in accordance with state laws. Some products and benefits may not be available in all states. Some riders are optional and available for
an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. For exact
terms and conditions, please refer to the policy.
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 regarding the information and
concepts contained in this material.
Any illustrations of future value used in a sales presentation are provided only for illustrative purposes. Any such illustration must
not be regarded as guaranteed or as estimated future performance unless it is based solely on the minimum guaranteed interest rates.
The S&P 500 Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and
has been licensed for use by Americo Financial Life and Annuity Insurance Company (“Americo”). Standard & Poor’s®, S&P
500®, and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered
trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and
sublicensed for certain purposes by Americo. Americo’s Product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones,
S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such
product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

Copyright Americo Financial Life and Annuity Insurance Company 2024.