(03/08)© AmericoFor agent use only. Not for public use.Policy Series 281/282/283/284

(03/08)© AmericoFor agent use only. Not for public use. Ultra Protector Series New! Minimum face lowered from $5,000 to $2,000 Issue ages reduced for UP I and II One application for all three products* Designed for automatic processing and quick issue *State variations apply.

(03/08)© AmericoFor agent use only. Not for public use. Why Sell Ultra Protector Series? Three products to fit different situations: Ultra Protector I - Full death benefit Ultra Protector II - 2-year graded death benefit * Ultra Protector III - 3-year graded death benefit * ; guaranteed issue ; no need to answer health questions ** *State variations apply. **Subject to issue age limits and state availability.

(03/08)© AmericoFor agent use only. Not for public use. Full death benefit payable for accidental death Face amounts from $2,000 to $30,000 Coverage cannot be cancelled because of age or health Why Sell Ultra Protector Series?

(03/08)© AmericoFor agent use only. Not for public use. Why Sell Ultra Protector Series? Simple application process No medical exams - only a few simple medical questions to answer Every client can qualify for coverage * *Subject to issue age limits and state availability.

(03/08)© AmericoFor agent use only. Not for public use. Why Sell Ultra Protector Series? Guaranteed level premiums Quick issue - 4-day turnaround on clean applications Non-smoker rating class defined as no cigarettes for last 12 months

(03/08)© AmericoFor agent use only. Not for public use. Complete marketing package Why Sell Ultra Protector Series? Agent: Online agent training – 24/7 WebEx sales training Simple application process Quick issue – 4-day turnaround on clean applications Easy quote illustration and PDA software Pre-approved recruiting ads Client: Client presentation Final Wishes Planning Guide Planning worksheet Client brochure with application Client video Client lead letters Spanish sales materials

(03/08)© AmericoFor agent use only. Not for public use. Product Details Minimum Face Amount: $2,000 Maximum Face Amount: Ultra Protector I and II: $30,000 Ultra Protector III: $10,000

(03/08)© AmericoFor agent use only. Not for public use. Product Details Issue ages, age last birthday: Ultra Protector I: Non-smoker: 50-85; Smoker: Ultra Protector II: Ultra Protector III: 50-75

(03/08)© AmericoFor agent use only. Not for public use. Product Details Riders and Additional Features Accelerated Benefit Payment Rider (Rider Series 2146) included at no additional cost. (Ultra Protector I only) (not available in all states) * Children’s Term Rider (Rider Series 2147) available for $11 per $1,000 annually. (Ultra Protector I only) Accidental death benefit provision included at no additional cost for Ultra Protector II and III. –If death occurs as a result of an accident during the graded death benefit period, the full death benefit will be payable. *State variations apply.

(03/08)© AmericoFor agent use only. Not for public use. Underwriting Issued on an Accept/Reject basis MIB ordered * In some circumstances a PHI will be required * *Only on Ultra Protector I and II.

(03/08)© AmericoFor agent use only. Not for public use. Underwriting Ultra Protector I issued if:  all health questions on the application are answered “no” (both parts 1 and 2)  height and weight are within guidelines  MIB records are clear or provide no information that is inconsistent with health history given on the application.

(03/08)© AmericoFor agent use only. Not for public use. Underwriting Ultra Protector II issued if: all health questions in Part 1 are answered “no” one or more health questions in Part 2 are answered “yes” height and weight are within guidelines  MIB records are clear or provide no information that is inconsistent with health history given on the application.

(03/08)© AmericoFor agent use only. Not for public use. Underwriting Ultra Protector III issued if:  no health questions are answered on the application OR  any “yes” answers are reported in Part 1 of the application OR  applicant does not qualify for Ultra Protector I or II and agrees that they are willing to accept any Ultra Protector product (section 4 of application) State variations apply.

(03/08)© AmericoFor agent use only. Not for public use. Underwriting

(03/08)© AmericoFor agent use only. Not for public use. New Application – Series 5099 SAMPLE State variations exist.

(03/08)© AmericoFor agent use only. Not for public use. New Application – Series 5099 SAMPLE State variations exist.

(03/08)© AmericoFor agent use only. Not for public use. New Application – Series 5099 SAMPLE State variations exist.

(03/08)© AmericoFor agent use only. Not for public use. New Application – Series 5099 SAMPLE State variations exist.

(03/08)© AmericoFor agent use only. Not for public use. Product Positioning Seniors Funeral and burial expenses Plus… Fast, efficient underwriting 3 options to get a policy issued * Low face amounts *State variations exist.

(03/08)© AmericoFor agent use only. Not for public use. Ultra Protector Series Available for sale March 3, 2008 Approved states (as of 3/1/08): AR *, CO, CT, DE, DC, FL, ID, KS, KY, LA, MI, NE, NH **, NM, NC *, ND, OH, SC, SD, TN, TX, WV *, **, and WY. *Full death benefit immediately in AR, NC, & WV for Ultra Protector II. **2-year graded death benefit in NH & WV for Ultra Protector III. Please note: Eagle Series (Policy Series 207/233) and Ultra Protector (Policy Series 248/250) will no longer be available in the states listed above after April 1, 2008.

(03/08)© AmericoFor agent use only. Not for public use. Marketing Materials Available to order or download from Agent Café,

(03/08)© AmericoFor agent use only. Not for public use. Additional Sales Tools Final Wishes Planning Guide –Clients can record personal information, pre-plan burial and funeral preferences, and consolidate financial data all in one place. –Use this guide in conjunction with lead generation efforts, as a value-added benefit during the sale, or simply to say thank you to a client or prospect.

(03/08)© AmericoFor agent use only. Not for public use. Additional Sales Tools Spanish materials –Client brochure –Client worksheet –Client presentation –Pre-approved client and agent recruiting ads

(03/08)© AmericoFor agent use only. Not for public use. Quoting Ultra Protector Series Americo Insurance Desk Quoting Software PDA Software Quick Quotes and Rate for Monthly Premium brochures

(03/08)© AmericoFor agent use only. Not for public use. Marketing and Sales Support Customized licensing and welcome kits Co-branded materials Pre-approved recruiting and client advertising Pre-sale assistance through Sales Support

(03/08)© AmericoFor agent use only. Not for public use. Sales Support Questions? Comments? Contact Americo Sales Support at , ext for all of your pre-sale questions.

(03/08)© AmericoFor agent use only. Not for public use. Important Notices Ultra Protector Series (Policy Series 281/282/283/284), Accelerated Benefit Payment Rider (Rider Series 2146), and Children’s Term Rider (Rider Series 2147) 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. Some riders are optional and may be available at an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions.