Overview Marketing Package Sales Tools Product Positioning Agent Training Presentation Overview Marketing Package Sales Tools Product Positioning

Ultra Protector Series Overview Three products to fit different situations: Ultra Protector I - Full death benefit Ultra Protector II - 2-year graded death benefit (full amount payable for accidental death)1 Ultra Protector III - 3-year graded death benefit (full amount payable for accidental death)1; guaranteed issue ; no need to answer health questions2 There are handful of states that would not approve the graded death benefit on UP II. North Carolina is one of those states. We refiled the product as a level death benefit in those states in order to have it available for you to sell. 1 State variations apply. 2 Subject to issue age limits and state availability. Policy Series 281/282/283/284

Ultra Protector Series Overview Face amounts from $2,000 to $30,000 Coverage cannot be cancelled because of age or health Rates cannot increase Simple application process No medical exams - only a few simple medical questions to answer Every client can qualify for coverage1 Smoking definition – cigarette only – other tobacco qualify for non-smoking rates If you have clients that are outside the requirements we have recently introduced the Advantage Whole Life. You can use this product for clients that are too young or want a larger face amount. 1 Subject to issue age limits and state availability. Policy Series 281/282/283/284

Ultra Protector Series Marketing Package 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 Policy Series 281/282/283/284

Ultra Protector Series 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. Available in Spanish and English Policy Series 281/282/283/284

Ultra Protector Series Sales Tools Spanish materials Client brochure Client worksheet Client presentation Pre-approved client and agent recruiting ads Policy Series 281/282/283/284

Ultra Protector Series Sales Tools Americo Insurance Desk Quoting Software PDA Software Quick Quotes and Rate for Monthly Premium Slide Rule Client Video Client Flipchart presentation Policy Series 281/282/283/284

Ultra Protector Series Product Positioning Seniors Funeral and burial expenses Coverage for any hospital or outstanding medical bills Time Value Coverage Policy Series 281/282/283/284

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). 9