americo
Ultra Protector 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
Ultra Protector I – full death benefit
Ultra Protector II – full death benefit
Ultra Protector III – 3-year graded death benefit – guaranteed issue
(See Agent Guide for full details and exclusions)
| Issue Ages: | UP I 50-85 (non-smoker) 50-80 (smoker) UP II 50-80 UP III 50-75 | |
| Issue Amounts: | UP I/II $2000 – $30,000 UP III $2000 – $10,000 | |
| Policy Fee: | UP I/II $40 (commissionable) UP III $40 (non-commissionable) | |
| Underwriting Classes: | UP I Non-smoker/Smoker (pipe & cigar smokers qualify for ns rates) Male/Female UP II/III Male/Female | |
| Convertibility: | None | |
| Premiums: | Full death benefit / 2-year graded / 3-year graded (guaranteed issue) | |
| Optional Riders: | Accelerated Benefit Payment Rider included at no additional cost Children’s Term Rider available for $11 per $1,000 annually Accidental Death Benefit | |
| Payment Modes: | Annual (1.00) and Monthly PAC (.095) | |
| Training: | See Americo Agent Cafe website | |
Heartland Financial Group
1600 NE Coronado Dr
Blue Springs, MO 64014
Toll Free: (844) 502-6779
