Agent Training Presentation
Overview
Product
Summary
Sales Ideas
1
Ultimate One Index
Overview
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Ultimate One Index 7
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Ultimate One Index 9
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7 years of surrender charges:
9, 8.5, 8, 7, 6, 5, 3.8%
9 years of surrender charges:
10, 9.75, 9.5, 9, 8.5, 8, 7, 6, 5%
Ultimate One Index 9 Bonus


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4% First-Year Premium Bonus
Surrender charges:
13, 12, 11, 10, 9, 8, 7, 6, 5%
Products may vary by state.
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
2
Ultimate One Index
Overview
Five Simple Indexed Options based on the
performance
of the S&P 500 Index®
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09-009-1 (03/09) ©Americo
Monthly Averaging
Monthly Averaging
Monthly Averaging
Point-to-Point with
Point-to-Point with
with Cap
with Spread
with Participation Rate
Cap
Participation Rate
For agent use only. Not for public use.
Policy Series 264/265/266
3
Ultimate One Index
Overview
Declared Interest Account
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Current rates
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09-009-1 (03/09) ©Americo
Ultimate One Index 7 – 3.00%
Ultimate One Index 9 – 3.25%
Ultimate One Index 9 Bonus – 2.75%
Systematic income from Declared Interest
Account
For agent use only. Not for public use.
Policy Series 264/265/266
4
Ultimate One Index
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% thereafter1
Ultimate One Index 7
•
100% of premiums, less any partial surrenders, accumulated at
1.5% for 9 years and 3% thereafter1
1 Less surrender charges and any premium tax
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
5
Ultimate One Index
Overview

Waiver of Surrender Charge Upon Nursing
Home or Hospital Confinement Endorsement
•
•
•
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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 Option1
1 Not approved in all states. Waiver of Surrender Charge Upon Nursing Home or Hospital Confinement Endorsement (Series 4139)
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
6
Ultimate One Index
Product Summary

Three products to fit
different needs:
One Index 7
Ultimate One Index 9
Ultimate One Index 9 Bonus
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Ultimate


Five 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.
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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.
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
7
Annuity
Sales Idea
The Cost of Waiting
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
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.
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
8
Annuity
Sales Idea
The Cost of Waiting
Sara – Begins saving at
age 27
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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.
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Betty – Begins saving at
age 42
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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.
Policy Series 264/265/266
9
Annuity
Sales Idea
The Outcome
You 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.
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
10
Annuity
Sales Idea
When is “zero” your hero?
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?
09-009-1 (03/09) ©Americo
For agent use only. Not for public use.
Policy Series 264/265/266
11
IMPORTANT DISCLOSURES
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 or for all periods. Certain restrictions apply. Consult
policy contract, and riders for all limitations and exclusions.
The company reserves the right to contest coverage for up to two years due to any misrepresentations in the application. If the insured,
sane or insane, dies by suicide while the contract is in force and within two years (one year in Colorado, Missouri, and North Dakota)
after the issue date, the proceeds payable will be limited to the sum of premiums paid less any indebtedness. See Missouri contract for
special provisions regarding suicide.
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 legal or tax advisor regarding the
information and concepts contained in this material.
Americo Financial Life and Annuity Insurance Company is authorized to do business in all states and the District of Columbia, except
NY and VT.
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.
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. Americo products are not sponsored,
endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representations regarding the advisability of
purchasing these products. 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).
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