Be prepared for the unexpected.

Americo offers a strong portfolio of Term Life and Whole Life products designed to protect you and your family through all stages of life.

Our specially designed products provide life insurance solutions for the following situations:

  • Help pay off the mortgage or cover mortgage payments if you pass away unexpectedly
  • Help cover your funeral expenses
  • Help guard against loss of income

Our processes make purchasing life insurance quick and easy. Contact us today.

Eagle Premier Series

Issue Ages

50-85 Nonsmoker / 50-80 Smoker

Competitive Features

  • Two instant-decision processes available:
    • eApplication
    • TeleApplication
  • Simplified issue
  • Quit Smoking Advantage – Smokers qualify for Nonsmoker rates

Face Amounts

  • Minimum: $2,000 ($5,000 in Washington)
  • Maximum: $30,000

Death Benefit

  • Full death benefit day one

Annual Policy Fee

  • $40 annualo policy fee (commissionable)

Riders/Features

  • Accidental Death Benefit Rider included (Series 2172)
  • Accelerated Benefit Payment Rider included at no additional cost (Series 2146)
  • Child and Grandchild Term Rider available for an additional cost (Series 2194)

Modal Factors

  • Monthly PAC: 0.095

Underwriting Classes

  • Nonsmoker; Smoker

Nonsmoker Classification

A nonsmoker is defined as anyone who has not used Nicotine products (including, but not limited to, cigarettes, cigars, pipes, chewing tobacco, snuff, alternative nicotine delivery devices such as nicotine chewing gum or lozenges, nicotine patches or e-cigarettes, or any device used for the vaporization of liquid nicotine) for at least 12 months prior to the completion date of the application.

Policy Loans

Policy loans may be available.  If available, the loan interest will be charged, in advance, at a fixed rate of 7.4% per year, compounded annually.  This is equivalent to an effective annual rate of 8.0%, when paid in arrears.  Policy loans will impact policy performance.  When policy loans and interest on the loans are greater than the policy’s cash value, the policy will terminate.  State variations apply.

Nonforfeiture Options

After the policy has a cash value, and if any premium remains unpaid after the grace period, the nonforfeiture options available for Eagle Premier Series are reduced paid-up insurance, ETI, and cash surrender.  The automatic option will be reduced paid-up insurance.

Eagle Guaranteed

Issue Ages

50 – 80

Competitive Features

  • Two instant-decision processes available:
    • eApplication
    • TeleApplication
  • Simple application process
  • Guaranteed Issue
  • Guaranteed level premiums for the life of the policy
  • Accidental Death Benefit provision included during the graded period at no additional cost

Fact Amounts

  • Minimum: $2,000
  • Maximum: $10,000

Death Benefit

  • 3-year graded death benefit
  • Year 1: return of premium plus 5%
  • Year 2: return of premium plus 10%
  • Year 3: 75% of the face amount
  • Year 4+: 100% of the face amount

Annual Policy Fee

  • $40 annual policy fee (non-commissionable)

Riders / Features

  • Accident Death Benefit provision included during the graded period at no additional cost
  • No riders available

Modal Factors

  • Monthly PAC: 0.095

Underwriting Classes

  • Nonsmoker; Smoker

Nonsmoker Classification

A nonsmoker is defined as anyone who has not used Nicotine products (including, but not limited to, cigarettes, cigars, pipes, chewing tobacco, snuff, alternative nicotine delivery devices such as nicotine chewing gum or lozenges, nicotine patches or e-cigarettes, or any device used for the vaporization of liquid nicotine) for at least 12 months prior to the completion date of the application.

Policy Loans

Policy loans may be available.  If available, the loan interest will be charged, in advance, at a fixed rate of 7.4% per year, compounded annually.  This is equivalent to an effective annual rate of 8.0%, when paid in arrears.  Policy loans will impact policy performance.  When policy loans and interest on the loans are greater than the policy’s cash value, the policy will terminate.  State variations apply.

Nonforfeiture Options

After the policy has a cash value, and if any premium remains unpaid after the grace period, the nonforfeiture options available for Eagle Premier Series are reduced paid-up insurance, ETI, and cash surrender.  The automatic option will be reduced paid-up insurance.

AMERICO Eagle Series
Final Expense
Eagle Premier
Ages 50-59 60-80 81-85
1st Year Target Multiplier 76% 100% 84%
Eagle Guaranteed Issue
Ages 50-75 76-80
1st Year Target Multiplier 27% 23%
Eagle Guaranteed Issue New Jersey
Ages 50-75 76-80
1st Year Target Multiplier 25% 21%