Americo Financial Life and Annuity Insurance Company

Ultra Provider & Senior LegacyFlexible Premium Deferred Annuity

Agent Training Guide

Why Americo?Product Summary

Questions? Comments? A friendly sales support representative is standing by to assist you. Call us at 800.231.0801, ext. 8410 today!

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For Agent Use Only Contract Series 175/252 06-143-4

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What makes Americo different?

One of the largest, independently held insurance companies in the United States*

Steadily increasing assets Dedicated to the independent agent

distribution Service Driven Focused markets

Did you know?

Americo currently has

800,000 policies under administration and over $37

billion of insurance in force. That’s

growth of more than

67% over the past 10 years. *"Admitted Assets, Top Life Writers-2005," A.M. Best Co., as of July 2006.

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What makes Americo different?

Direct access to underwriter Superior Home Office support dedicated to

getting your business placed quickly and effortlessly

Online tools that help before, during and after the sale. Check out our agent website today, www.americo.com

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Ultra Provider I

Current Interest Rate* Non-Market Value Adjustment version – 4.75% MVA version – 5.25%**

Renewal Rate – 3.00% Minimum Guaranteed Interest

Varies by state, contact Sales Support at 1-800-982-8146, option 3, to find out the minimum guarantee for each state

Guaranteed Minimum Death Benefit Rider (Rider Series 4085) Available for issue ages 76 and older

Interest Rate Bonus 1, 2 or 3% - Available in first contract year only,

reduces commission by 1, 2, or 3% respectively• Up to 7.75% 1st year guaranteed - (8.25% for MVA

version) * * Based on current interest rate as of 9/1/04** MVA version not approved in all states

Policy Series 175/252

Product Features

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Liquidity Systematic monthly interest income

after 30 days Withdrawals - 10% penalty-free

annually after year 1 Loans – 50% of surrender value after

first year - 8% in arrears

Policy Series 175/252

Ultra Provider I

Product Features

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Ultra Provider I

Issue Ages 0-85 Qualified/Non-Qualified (GA 0-70) 0-99 in States with MVA*

Minimum Issue Amount Qualified - $2,000 Non-Qualified - $10,000

* Contact Sales Support (1-800-231-0801) for MVA State Approvals

Policy Series 175/252

Ultra Provider I

Product Features

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Ultra Provider I

Death Benefit Issue Age

• 0-75 – equals Account Value• 76-99 – equals Cash Surrender Value unless

beneficiary elects to take payout over 5 years

Guaranteed Minimum Death Benefit Option

• Death benefit equals the sum of all premiums paid less partial surrenders and outstanding loans if the Owner dies within the first two contract years

• Cost of this option – 0.50% interest rate reduction in the first year only

Policy Series 175/252

Ultra Provider I

Product Features

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Ultra Provider I

Surrender Charge: 10 years * If there is early termination of the policy or an excess

withdrawal of the 10% annual free withdrawal privilege is made, a surrender charge may apply. The following declining surrender charges are applied from the contract issue date. A surrender charge is a percentage of account value or partial surrender.

10,10,10, 9, 9, 8, 7, 6, 4, 2% Surrender charges waived after 5 years if annuitized for

at least 5 years

Market Value Adjustment Included in states where approved Initial interest rate increased when MVA is included

Policy Series 175/252

Ultra Provider I

Product Features

* Surrender charges may vary in the following states: OK, OR, SC and WA

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Additional Features Waiver of Surrender Charge Upon

Nursing Home or Hospital Confinement (issue ages 0-75) (Endorsement Series 4067)

• Added at no additional cost to consumer for any Ultra Provider I contract

Checkbook Access (After year 1)• Checkbook Access not available in GA.

Policy Series 175/252

Ultra Provider I

Product Features

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Ultra Provider I

Chargeback * 100% for Death, surrender, lapse, cancellation,

or withdrawal in Year 1

Suitability Form Required for ages 65 and older Required for all ages in some states

*Applies to all our annuity products, except when noted.

Policy Series 175/252

Ultra Provider I

Product Features

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Senior Legacy Annuity

Same great features as Ultra Provider I except: Current interest rate*

• Non-MVA version - 4.25% • MVA version - 5.00% **

Up to 7.25% first year guaranteed (8.00% for MVA version) *

3.25% renewal interest rate Death benefit equals cash surrender value at

all ages unless beneficiary elects to take payout over 5 years

No chargeback for death, surrender, lapse, withdrawal, or cancellation in Year 1

*Based on current interest rate as of 9/1/04

** MVA version not approved in all states Policy Series 177/253

Senior Legacy Annuity

Product Features

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Questions? Comments? A friendly sales support representative is standing

by to assist you.

Call us at 800.231.0801, ext. 8410 today!

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Fixed Annuity Products

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.

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. Certain restrictions apply. For further information, please refer to the policy or contact Sales Support at 800.231.0801, ext. 8410.