Why Americo Final Expense?

*For agent use only. Not for public use. 19-053-2-AGT (02/19)*

Eagle Premier Series is a portfolio of whole life insurance products designed to help cover the costs associated with funeral and burial expenses, unpaid medical bills, or other financial obligations that your clients' families may face when they die.

Americo's eApplication allows you to submit in good order business and receive an underwriting decision at the point of sale.

Americo is A-rated by AM Best.

Americo's Whole Life Final Expense Product Information

Two products for different situations:

  • Eagle Premier - full death benefit
  • Eagle Guaranteed - 3-year graded death benefit*, guaranteed issue*

Product highlights:

  • Full death benefit payable for accidental death
  • Quit Smoking Advantage on Eagle Premier - Smokers qualify for non-smoker rates*
  • Every client can qualify for coverage*
  • Coverage cannot be cancelled because of age or health
  • Face amounts from $2,000 to $30,000
  • Eagle Premier Issue Ages 50-85
  • Eagle Guaranteed Issue Ages 50-80
  • No medical exams*
  • Simple eApplication process
  • Instant decision and commissions paid next day

Americo's agent incentive program, UFirst Rewards, gives you the opportunity to earn an 8% cash bonus on all your qualifying life production every 6 months.

*Disclaimers: State variations apply; subject to issue age limits and state availability. Quit Smoking Advantage not available in CA. Issuance of policy may depend upon answers to medical questions. Eagle Premier Series (Policy Series 311/312/313) are underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. For exact terms and conditions, please refer to the policy. For agent use only. Not for public use. 18-204-1 Americo

Americo's Quit Smoking Advantage

Americo’s Quit Smoking Advantage encourages you to stop smoking.

This new benefit allows Smokers to receive an Eagle Premier Smoker policy with Nonsmoker rates for the first three policy years. Prior to the third policy anniversary, if you can provide evidence that you have quit using nicotine for at least 12 months, your Death Benefit and premium will remain Level.

Read more FAQs

E-Application Tutorial

Watch the Americo Final Expense eApplication tutorial here!

Eagle Premier (eApp) is available in all states except: MS, NY, and VT.

Eagle Guaranteed (eApp) is available in all states except: MS, NY, VT, and WA.

Eagle Premier (TeleApp) is available in all states except: CA, CT, NY, PA, and VT.

Eagle Guaranteed (TeleApp) is available in all states except: CA, CT, NY, PA, VT, and WA.

Pre-Approved Advertising Materials

State Availability

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

New to Final Expense Sales?

You've come to the right place!

Check out some of the following resources to learn more about how to sell final expense products.

[ARTICLE] Final Expense Insurance: Level, Graded, Modified, and GI (2nd Edition)

Watch a roleplay example of how a Life Insurance Review is done (with a focus on final expense in this example):

[WEBINAR!] How to Sell Final Expense Insurance:

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This product may be available in other states not listed. Please contact us to inquire.