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PERMANENTFINAL EXPENSEWHOLE LIFE INSURANCE15-196-1 (12/16) Americo
WHY DO YOU NEEDFINAL EXPENSE INSURANCE?ÐÐA traditional adult funeral, including a casket and vault, costs over 8,500 on average.1ÐÐSocial Security will pay a special one-time payment of 255 to qualified dependents.2ÐÐThe Veterans Administration will pay 300 for burial and funeral expenses if you qualify.3ÐÐThere are no guarantees your current assets will still be available becauseof end-of-life expenses, such as hospital and nursing home care.ÐÐAverage funeral costs may increase each year based on inflationand other economic factors.Give your family the gift of life insurance and the comfort ofknowing they will not have to dip into savings to pay for yourfinal expenses, because you have planned ahead.Source: Statistics: Median Cost of an Adult Funeral, Accessed October 2015, www.nfda.org/new/statistics.Survivors Benefits, SSA Publication No. 05-10008, November 2015, Social Security Administration, www.ssa.gov.3Federal Benefits for Veterans and Dependents, Department of Veteran Affairs, August 2016, www.va.gov.1215-196-1 (12/16) Americo1
IF YOU DIED TOMORROW,COULD YOUR LOVED ONESPAY THE EXPENSES?Items to consider when figuring the cost for funeral and burial arrangements:ÐÐHeadstone and engravingÐÐCasketÐÐUse of viewing and/or ceremony facilitiesÐÐProfessional funeral service chargesÐÐTransfer of deceased to funeral homeÐÐObituary noticesÐÐCost of death certificateÐÐEmbalmingÐÐFlowers15-196-1 (12/16) AmericoÐÐOpening and closing of graveÐÐForwarding and/or receiving deceasedout-of-town locationÐÐHearseÐÐBurial vaultÐÐGrave plotÐÐLegal fees2from
THERE COULD EVEN BE EXPENSESYOU HAVEN’T CONSIDEREDÐÐMortgageÐÐCredit card paymentsÐÐUtility billsÐÐOutstanding medical billsÐÐLoss of spouse’s incomeÐÐFamily’s loss of income due to time off from workÐÐThe cost of food, clothing, and transportationÐÐMusic, clergy, and other administrative costsBy purchasing a life insurance policy, you can resteasy knowing that your family will have the extrasupport of an income tax free death benefit to helpcover those unexpected costs.15-196-1 (12/16) Americo3
HOW CAN EAGLE PREMIER SERIESWHOLE LIFE INSURANCEHELP YOU AND YOUR FAMILY? ÐÐDeath Benefit Up to 30,0001ÐÐLifetime Protection— you will neverhave to worry aboutlosing your coverage2ÐÐGuaranteed Coverage— you can be covered no matter yourhealth historyÐÐNo Medical Exam Required— just answer a few simplemedical questionsÐÐRates Never Increase— the affordable monthly rate you startat will be the same rate you will pay for the life of the policy;your rates will not increase or be cancelled because of age orhealthDepends on policy selected and eligibility at the time of applicationAs long as premiums are paid and there are no loans or accelerations1215-196-1 (12/16) Americo4
ADDITIONAL BENEFITS TOHELP YOU AND YOUR FAMILYÐÐAccidental Death Benefit Rider— For Eagle Premier Level, an ADB rider (Rider Series 2172) is includedat no additional cost. This rider provides an additional benefit of two times the base death benefit if theinsured dies as a result of an accidental injury within 90 days of the injury. In addition, it will provide anadditional payment of three times the base death benefit in the event the death is a result of accidentalinjury while riding as a fare-paying passenger in a Common Carrier.ÐÐAccelerated Death Benefit Payment Rider— With Eagle Premier Level, an Accelerated Benefit PaymentRider (Rider Series 2146) is included at no additional cost. With this benefit, if the insured is diagnosedwith a qualified terminal illness that results in a life expectancy of 12 months or less1, Americo will advanceup to 50% of the death benefit payable under the policy. The available benefit will be reduced by theamount of any outstanding policy loans, and will not exceed 15,000. The minimum accelerated benefit is 1,000 (state variations apply).ÐÐAccidental Death Benefit Provision— For Eagle Premier Guaranteed policies, the accidental deathbenefit provision is included at no additional cost. If death occurs as the result of accidental bodily injurywithin the first three years of the graded death benefit period and within 90 days of the injury, the fulldeath benefit is payable.Accidental Death Benefit Rider and Accelerated Death Benefit Payment Rider not available in all states.124 months or less in IL, MA, and TX15-196-1 (12/16) Americo5
WHO IS AMERICO?ÐÐAmericoLife, Inc.’s family of insurance companies has over 100 years of life insurance andannuity experienceÐÐOne of the largest, privately held independent insurance companies in the United States1ÐÐ 6.3 billion in consolidated life companies’ assets2ÐÐAmerico has a full customer service center that can assist you or yourfamily if questions arise or in the event of a deathÐÐAmerico sells products throughout the United States, and islicensed to conduct business in the District of Columbia and allstates except New York and VermontÐÐRated “A” (Excellent) by A.M. Best3Admitted Assets, Top Life Writers-2015,” A.M. Best Co., as of July 2015.Information is as of year-end 2015 on a consolidated basis for Americo 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).3Rating for Americo Financial Life and Annuity Insurance Company (Americo), October 2015. Americo Financial Life and AnnuityInsurance Company has a financial strength rating of A (Excellent, 3rd out of 15 rating categories). A.M. Best’s rating is assigned after acomprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile.A.M. Best uses a scale of 15 ratings, ranging from “A ” to “F.”1“215-196-1 (12/16) Americo6
Americo Financial Life andAnnuity Insurance Company300 W. 11th StreetKansas City, MO 64105Americo Financial Life and Annuity Insurance Company is authorized to conduct business in theDistrict of Columbia and all states except NY and VT.Eagle Premier Series (Policy Series 281/283), Accidental Death Benefit Rider (Rider Series 2172),and Accelerated Death Benefit Payment Rider (Rider Series 2146) are underwritten by AmericoFinancial Life and Annuity Insurance Company (Americo), Kansas City, MO. Some riders areoptional and available at an additional cost. Certain restrictions apply. Consult contract and ridersfor all limitations and exclusions. This life insurance does not specifically cover funeral goodsor services, and may not cover the entire cost of your funeral at the time of your death. Thebeneficiary of this life insurance may use the proceeds for any purpose, unless otherwise directed.15-196-1 (12/16) Americo
ÐÐAmerico Life, Inc.’s family of insurance companies has over 100 years of life insurance and annuity experience ÐÐOne of the largest, privately held independent insurance companies in the United States1 ÐÐ 6.3 billion in consolidated life companies’ assets2 ÐÐAmerico has a full customer service center that can assist you or
