09-009-1 (07/12)©americo for agent use only. not for public use. 1

09-009-1 (07/12)©Americo For agent use only. Not for public use. 1


Overview

Ultimate One Index 7 • 7 years of surrender charges*:• 9, 8.5, 8, 7, 6, 5, 3.8%

Ultimate One Index 9• 9 years of surrender charges*:• 10, 9.75, 9.5, 9, 8.5, 8, 7, 6, 5%

Ultimate One Index 9 Bonus• 4% First-Year Premium Bonus• Surrender charges*:• 13, 12, 11, 10, 9, 8, 7, 6, 5%

*Surrender charges may vary by state. Contact Americo Sales Support for surrender charges in your state.


Overview

Four Simple Indexed Options based on the performance of the S&P 500 Index®

Monthly Averaging with Cap Monthly Averaging with Participation Rate Point-to-Point with Cap Point-to-Point with Participation Rate


Overview

Declared Interest Account Current rates

• Ultimate One Index 7 – 2.05%• Ultimate One Index 9 – 2.10%• Ultimate One Index 9 Bonus – 2.00%

Systematic income from Declared Interest Account


Overview

Competitive Guaranteed Minimum Cash Surrender Values Ultimate One Index 9 & 9 Bonus

• 100% of premiums, less any partial surrenders, accumulated at 2% for 13 years and 3% thereafter (less surrender charges and any premium tax).

Ultimate One Index 7

• 100% of premiums, less any partial surrenders, accumulated at 1.5% for 9 years and 3% thereafter (less surrender charges and any premium tax).

1 Less surrender charges and any premium tax


Overview

Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement Endorsement • After contract issue, if owner is confined for

at least 90 consecutive days in a qualified nursing home or hospital

• Automatically added to every contract1

• No age restrictions 5X5 Annuitization Option11 Not approved in all states. Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement Endorsement (Series 4139)


Three products to fit different needs:• Ultimate One Index 7• Ultimate One Index 9• Ultimate One Index 9

Bonus

Four simple indexed crediting rate options based on the performance of the S&P 500 Index

No complicated formulas! ONE moving part: Participation Rate, Cap, or Spread.

Product Summary

Competitive Declared Interest Option – 2% minimum guarantee

5x5 annuitization option

Full Accumulation Value Death Benefit (less applicable premium taxes)

Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement Endorsement

Systematic monthly interest income after 30 days

*May not be available in all states.


Sales Idea

The Cost of Waiting The cost of waiting years, months, even

days can impact the income you can expect to have for your retirement lifestyle.

Example: Sara and Betty are twin sisters. Both dream of retiring and traveling with family.


Betty – Begins saving at age 42

Like her sister, she placed $2,000 per year into an IRA. She also averaged 6% earnings per year.

Betty continued to contribute $2,000 per year until age 65 (23 years).

Her contributions over the 23 years totaled $46,000.

Sales Idea

Sara – Begins saving at age 27

She put $2,000 each year into a tax-deferred IRA.

Puts $2,000 per year into this account until age 40 (13 years).

Sara leaves the accumulated value in the IRA until age 65.

On average, she earned 6% per year. Her contributions over the 13 years totaled $26,000.


Sales Idea

The OutcomeYou might assume that because Betty contributed $20,000 more than her sister, she would have more income for retirement. However, because of compounding interest and time the opposite is true.

Since the IRAs earned 6% per year, Sara would have $171,804 in her account, and Betty would have $99,631.


Sales Idea

When is “zero” your hero?The Situation:Having your retirement nest egg in the stock market certainly has its risks and can also have its rewards. In a time when markets are fluctuating and in some cases falling fast - how long would it take to recover your money?


Anti-Money Laundering

Training All our agents that sell cash value products (or

plan to sell in the future) must complete Anti-Money Laundering training every two years. Cash value products include annuities, term with cash value, whole life, and universal life products.

Americo offers free Anti-Money Laundering training through LIMRA that is fast and easy.

Go to www.americo.com/aml for complete instructions on how to take the course through Americo and LIMRA.

http://www.americo.com/aml

For agent use only. Not for public use.

Term, WL, UL, IUL: 100% of Paid FY Annualized Premium

Lifetime Legacy: 10% of Paid PremiumAnnuities: 4% of Paid FY Premium

Life insurance and annuity production can be combined to meet the production criteria.

Check www.Americo.com for current Summit credits.

Plan now to be a part of the 2014 Americo Summit

Plan now to be a part of the 2014 Americo Summit …

QUALIFICATIONSJuly 1, 2012 – December 31, 2013Agent: $95,000 Summit Credits

April 29 –May 4, 2014


Qualifying agents will be considered for an invitation for themselves and an adult guest. No children or substitutions will be allowed. Attendance at the convention shall be by company invitation only. Agents must be in good standing with Americo at the time of the Summit in order to attend. You must have a minimum of 15 paid policies during the qualification period. Americo reserves the right to withhold an invitation should persistency and placement ratios fall below a minimum acceptable level. Personally controlled business and internal replacements are not eligible for credit. Americo, at its sole discretion, reserves the right to modify or change any of the qualifications or offering at any time.

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY and VT.

Ultimate One Index Series (Policy Series 264/265/266) is underwritten by Americo Financial Life and Annuity Insurance Company and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions apply. Consult contract and riders for all limitations and exclusions.

If you are considering replacing an annuity, please remember that annuities are intended to be a long-term retirement instrument. If you keep your annuity only a few years, contract values may be less than the total contributions due to surrender charges, income tax and IRS penalties. Discuss any replacement with your agent and/or consult with a financial or tax advisor to confirm that the replacement is suitable given your circumstances.

Any illustrations of future values 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.

Policies do not directly participate in any stock or equity investments. Refer to your Benefits Summary & Disclosure Statement, as well as your policy, for the governing contractual provisions.

Comparison of indexed annuities on any single factor may be misleading.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500”, and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Americo Financial Life and Annuity Insurance Company. This product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representations regarding the advisability of purchasing this product. The S&P 500 Index is a market-valued weighted price index which reflects capital growth only and does not include dividends paid on stocks.

NASDAQ®, NASDAQ-100®, and NASDAQ-100 Index®, are trademarks of The NASDAQ Stock Market, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use by Americo Life, Inc. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Neither Americo Financial Life and Annuity Insurance Company nor any agent representing the company can give legal or tax advice. You should consult a qualified professional regarding the information and concepts contained in this material.


If you have questions on anything contained in this presentation, or to

order applications and sales materials, please contact Americo Sales Support at

800.231.0801

09-009-1 (07/12)©americo for agent use only. not for public use. 1

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