Americo Future Provider Series Power Point

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Equity-Indexed Flexible Premium Deferred Annuities
NEW!
05-212-13
For Agent Use Only
Policy Series 267268
Key Features
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30% Increase with Death
Benefit Payout Option*
Checkbook Access
4% premium bonus
Five indexed crediting
options
Declared Interest Option
Strong guarantees
Competitive rates
Consumer-oriented benefits
*Assumes Death Benefit Payout Rider (Rider Series 2152) is in
effect at the time of the client's death and all conditions of this
rider are met. Death Benefit proceeds payable over 15 or 25
years, depending on Death Benefit Payout Option in effect at
time of death.
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For Agent Use Only
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Policy Series 267/268
Two Products to Fit
Different Needs
• Future Provider*
• Future Provider Bonus* (4% bonus on
all first-year premium)
*Surrender charges and commissions vary.
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Policy Series 267/268
Future Provider Series
Index Crediting Rate
Options
Five indexed crediting options linked to S&P 500
& NASDAQ-100
®
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Monthly Averaging, S&P 500
®
Point-to-Point, NASDAQ-100
®
Point-to-Point, S&P 500 without a Cap
®
Point-to-Point, S&P 500 with Cap
®
Point-to-Point, S&P 500 , The EZ Option
For Agent Use Only
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Policy Series 267/268
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Policy Series 267/268
Point-to-Point, S&P 500
®
EZ Option
• EZ Option Rate designated at the beginning of Index
Period
• At the end of the 1-year term, if the S&P 500® Index Value
is greater than the S&P 500® Index Value at the beginning
of the 1-year term, your Participation Account will be
credited interest according to the declared EZ Option Rate.
If the S&P 500® Index Value is less than or
equal to the beginning value, no interest
will be credited.
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Policy Series 267/268
The EZ Option
This example assumes an EZ Option Rate of 5%.
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Policy Series 267/268
Guaranteed Death Benefit
Greater of the Guaranteed Minimum
Surrender Value or the Accumulation Value,
less any applicable premium taxes.
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Policy Series 267/268
Death Benefit
Payout Rider
• Choose from a 15 or 25-year Death
Benefit payout period
• Guaranteed increase to at least
130% (15-year) or 150% (25-year)
of Death Benefit
• Additional commission payable
at death*
*Assumes Death Benefit Payout Rider (Rider Series 2152) is in effect at the time of the client's death
and all conditions of this rider are met. If death occurs in the first 2 contract years and the Death
Benefit Payout Rider is in effect, no additional commission will be payable. Death Benefit proceeds
payable over 15 or 25 years, depending on Death Benefit Payout Option in effect at time of death. If
any beneficiary is age 59 through age 71 at the time of your client's death, only Death Benefit Payout
Option 2 is available. If any beneficiary is over age 71 at the time of your client's death, neither Death
Benefit Payout Option 1 nor Death Benefit Payout Option 2 will be available; the Death Benefit will
equal the greater of the Accumulation Value with accrued indexed interest, or the Guaranteed
Minimum Surrender Value, less any applicable premium taxes.
25-year Death Benefit
Payout Option 1
25-year Death Benefit Payout Option:
Death Benefit:
$150,000
Guaranteed Increase:
50% ($75,000)
Guaranteed payments made annually
over 25 years:
($225,000 /25): $9,000
Total payments made: $225,000
(150% of $150,000)
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Policy Series 267/268
15-year Death Benefit
Payout Option 2
15-year Death Benefit Payout Option:
Death Benefit:
$150,000
Guaranteed Increase:
30% ($45,000)
Guaranteed payments made annually
over 15 years:
($195,000 /15):
$13,000
Total payments made: $195,000
(130% of $150,000)
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Policy Series 267/268
Guaranteed Minimum
Surrender Value
Guaranteed Minimum Surrender Value of 2%
for 13 years and 3% thereafter on 100% of
premiums*.
*Less surrender charges and any premium tax.
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Policy Series 267/268
Declared Interest Option
• Current rates
Future Provider and
Future Provider Bonus: 3.0%
• 2% minimum guarantee
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Policy Series 267/268
Upside potential with
no downside risk!
This hypothetical
example of a 10-year
favorable market
period shows a growth
in the S&P 500 of
19.88%. Future
Provider would return
8.94% in this market
because of the 50%
Participation Rate and
the 1% Spread.
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Policy Series 267/268
Upside potential with
no downside risk!
This hypothetical
example of a 10-year
average market period
shows a growth in the
S&P 500 of 8.20%.
Future Provider would
return 3.10% in this
market because of the
50% Participation Rate
and the 1% Spread.
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For Agent Use Only
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Policy Series 267/268
Upside potential with
no downside risk!
This hypothetical
example of a 10-year
poor market period
shows a decline in the
S&P 500 of 10%.
Future Provider Series
would not decline in
value because of the
guarantees in the
product.
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Policy Series 267/268
Details
• Issue Ages
– Future Provider:
0-90
– Future Provider Bonus: 0-85
• All Age Last Birthday
• Minimum Premium
– Non-Qualified: $5,000
– Qualified:
$2,000
– 403(b)
$1,000 or $83.33 monthly
• Maximum Premium:
$1 million w/o Home Office approval
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Policy Series 267/268
Access to cash
• 10% free withdrawal each year, including the first policy
year
• Checkbook Access after the first year
• Systematic monthly interest income available after 30 days
from the Declared Interest Account (company practice)
• Cash Surrender
– Value equal to the greater of the Accumulation Value less
surrender charges or the Guaranteed Minimum Surrender
Value
• Policy Loans
– 403(b) only
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For Agent Use Only
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Policy Series 267/268
Nursing Home Waiver*
• All surrender charges waived if:
– Annuitant confined after issue for at least 90
consecutive days in a qualified nursing home
or hospital
– Automatically added to every contract**
• No age restrictions
* Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement
Endorsement (Series 4139)
** Not approved in all states
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Policy Series 267/268
5X5 Annuitization Option
Surrender charges waived after the 5th
policy year if annuitized over at least 5
years.*
*Not available in all states.
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Policy Series 267/268
Sales Ideas
Diversification: Use indexed crediting and fixed
interest options to create an asset allocation that can
benefit your client in many market conditions.
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Policy Series 267/268
Sales Ideas
Premium Bonus: By providing your client with the 4% first-year premium
bonus and placing his/her premium in the Declared Interest Account paying 3%
(currently declared as of 1/1/06), you are guaranteeing your client a 7.12%
compounded yield for the first year. Then your client can change his/her
crediting method in the next year to any of the other index crediting methods
(in any combination).
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Policy Series 267/268
Sales Ideas
Death Benefit Payout Rider:
A) If your client is looking for a way to stretch NonQualified funds, describe how this rider can allow
the beneficiary to spread out any taxable gains over
a 15 or 25-year payment period.
B) This rider allows your client to provide an extra
“bonus” over either 15 or 25 years upon his/her
death without having to medically qualify for the
additional proceeds.
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For Agent Use Only
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Policy Series 267/268
Sales Ideas
EZ Option: This option will allow you to present an
EIA to many of your conservative clients who
usually stick to CDs or fixed rate annuities. There
are no formulas to follow which makes it very
simple to explain and for the clients to understand.
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Policy Series 267/268
Marketing Package
• Quality client
brochure with built-in
application and
disclosure
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Policy Series 267/268
Marketing Package
• Agent Training Tools
– Agent Guide
– Training Presentation
on Agent Café
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Policy Series 267/268
Pre-approved ads
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Policy Series 267/268
Call today!
Americo Sales Support
800.231.0801, ext. 8410
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General Disclosures
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05-212-13
Comparison of equity-indexed annuities on any single factor may be misleading.
Products are underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City,
MO and may vary in accordance with state laws. Some products and benefits may not be available in
all states. Certain restrictions apply. For further information, please refer to the contract.
The policy does not directly participate in any stock or equity investments.
“Standard & Poor’s®”, “S&P 500®” and “Standard & Poor’s 500®” are trademarks of the McGrawHill 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.
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).
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.
Neither Americo Financial Life and Annuity Insurance Company nor any agent representing Americo
Financial Life and Annuity Company is authorized to give legal or tax advice. Please consult a
qualified, professional legal or tax advisor regarding the information and concepts contained in this
material.
For Agent Use Only
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Policy Series 267/268
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