Eagle Premier Guaranteed Eagle Premier Guaranteed Age Last Birthday

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1 Eagle Premier Series Reference Sheet Issue Ages Face Amounts Death Benefit Eagle Premier Level Non-smoker: Smoker: Companion sale: Age Last Birthday Minimum: $2,000; Maximum: $30,000 (WA: $5,000 or $25,000 for male non-smoker 67-85, male smoker 56-80, female non-smoker and female smoker 63-80) Full death benefit day one Eagle Premier Guaranteed Age Last Birthday Minimum: $2,000 Maximum: $10,000 3-year graded death benefit (2 years in IL, NH, NJ, & WV) Year 1: Death Benefit equals return of premium plus 5% Year 2: Death Benefit equals return of premium plus 10% Year 3: Death Benefit equals 75% of the face amount (100% in IL, NH, NJ, & WV) Year 4: Death Benefit equals 100% of the face amount Additional Benefits Accidental Death Benefit Rider (Series 2172) included at no additional cost Accidental Death Benefit Provision included during the graded period at no additional cost Underwriting Build Chart Height Weight (lbs) Height Product Product Availability Availability Guide Guide Weight (Ibs) As of 11/01/13 As of 11/01/13 State Availability Eagle Premier Eagle Series Premier Telesales Series Telesales Product Product Series AL AK AZ Series AR CA COAL CTAKDEAZDCARFLCAGACOHICTIDDEILDCINFLIAGAKSHI KYIDLAILMEINMDIAMAKSMIKY MNLAMOME MSMD MTMANEMI NVMNHMONJMS NMMT NCNE NDNV OHNH OKNJ ORNMPANCRINDSCOH SDOKTNORTXPAUTRI VASC WASD WVTNWI TX WYUT PRVAVIWA CYWV WI W Eagle Premier Level Level Death Benefit Eagle Premier Level 281 X X X281X X X X XX XX XX X XX XX XX XX XX XX XX XX XX XX XX XX X XX XX XX XX XX X XX XX XX XX XX XX XX X XX XX XX XX XX X XX XX XX XX XX X X X X X Level Death Benefit Eagle Premier Guaranteed Eagle Premier Guaranteed 3-Year Graded Death Benefit 3-Year Graded Death 283Benefit X X X283 X X X XX XX X X XX XX XX XX XX XX XX XX XX XX X XX X XX XX XX X XX X XX XX XX XX XX XX XX X XX XX XX XX XX X XX X XX XX XX X X X X (2 Years in IL, NH, NJ, WV) (2 Years in IL, NH, NJ, WV) Call Americo at to start the application process! Americo Financial Life and Annuity Insurance Comp is authorized to conduct business in the District of Columbia and all states except NY and VT. Eagle Premier Series (Policy Series 281/283) and Accidental Death Benefit Rider (Rider Series 2172) are underwritten by Americo Financial Life and Annuity Insurance Comp and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions apply. Consult contract and riders for all limitations and exclusions. This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of a funeral at the time of death. The beneficiary of this life insurance may use the proceeds for purpose, unless otherwise directed. For agent use only. Not for public use (11/13) Americo

2 Eagle Premier Series TM Agent Guide Policy Series 281/283 î Final expense coverage in one easy call î Two products to fit different situations î Full death benefit payable for accidental death For agent use only. Not for public use (02/14) Americo For agent use only (03/13) Americo

3 Americo Instant Decision Process 1. Prior to Calling Americo s Call Center: î Describe the product in detail to the Insured/Owner/ Payor. If applying for the Eagle Premier Guaranteed Issue explain the graded death benefit. î Pre-qualify the insured Ask the correct state approved health questions to pre-qualify the proposed insured. Determine if the client has existing insurance. Note: replacements are not available. Determine how the client is going to pay for the coverage. Note: only a pre-authorized monthly withdrawal from a checking or savings account is available for payment. î Collect the necessary information The Eagle Premier Series worksheets can be used to help collect all the necessary information. Using the worksheet will help to speed up the call process. î Prepare the Insured, Owner, and Payor Make sure the Insured understands they will be calling Americo to apply for coverage. Explain it is best to answer honestly and with yes and no answers. Let them know that the call will be recorded. Explain that a decision will be given over the phone and payment information will be given at the end of the call. Verify the Payor has their banking information available at the time of the call. 2. Call Americo at î Make sure you have the Insured, Owner, and Payor, on the call with you. The Owner and Payor need to be available if different than Insured. 3. Americo will gather the following information from you (the agent): î Agent Information Name and Agent Number î Insured Information Gender, Name, Address, Years at current address, Phone Number, Birthdate, Age, Place of Birth, and Social Security Number. î Owner Information (if different from Insured) Relationship to Insured, Name, Address, and Years at current address. î Beneficiary Information Number of Beneficiaries, Name(s), Social Security Number(s), Relationship to Insured, and Percent of Share for each Beneficiary (must equal 100%). î Product Information Level or Guaranteed product, Requested Face Amount, Effective Date, Smoker Status, Height and Weight, Automatic Premium Loans. î Premium will then have to be verified. 4. Americo will then ask to talk with the Insured/Owner/Payor to ask the following questions: î Verify all information given by the agent. î Verbal Authorization Allows Americo to access MIB records and Prescription Drug check. Disclosures will be read to Insured. î Replacement Information Questions Do they have existing insurance and are they replacing? î Health Questions All Health Questions will be asked from the state specific application. î Bank Draft Authorization Savings or checking account number, Routing Number, Requested draft date. 5. Americo will provide you and your client a decision over the phone. 6. Americo will then ask for a Verbal Signature to apply for coverage. This will end the call with the Insured/Owner/Payor. 7. Americo will ask for your Agent Statement to end the call. 8. Americo will mail the Insured/Owner/Payor a cover letter with disclosures in the Policy Packet. If the client declines the coverage, disclosures will be sent under a separate letter. Nothing needs to be submitted by you! All information needed was provided over the phone.

4 Because it s more than just final expense insurance, it s a way of life. Americo has a proven history of success in the final expense market. While you re focusing on building a successful final expense business, we re concentrating our efforts on giving you great products, valuable sales tools, relevant technology and outstanding service; all things you ll need to achieve your sales goals. Eagle TM Premier Series Eagle Premier Series whole life insurance products are designed for the final expense market. î Two products for different situations: Eagle Premier Level full death benefit Eagle Premier Guaranteed 3-year graded death benefit 1 ; guaranteed issue 2 î Full death benefit payable for accidental death î Guaranteed level premiums î Rates never increase î Pipe and cigar smokers qualify for non-smoker rates î Every client can qualify for coverage 2 î Coverage cannot be cancelled because of age or health î Face amounts from $2,000 to $30,000 î No medical exams 3 î Simple phone application process We re here to help. Americo Sales Support Eagle Premier Series Telesales Process 1. Call Provide Americo with the Proposed Insured, Owner, and Beneficiary information and product name. 3. Your client will then provide their health information, bank draft and verbal authorizations. 4. Receive an Instant Decision. 5. Give your agent statement. 6. That s it, your done! Benefits î Easy application process! Americo will take all the information to apply over the phone î Quick issue on clean applications î Easy-to-use marketing materials 1 State variations apply. 2 Subject to issue age limits & state availability. 3 Issuance of policy may depend upon answers to medical questions. Eagle Premier Series (Policy Series 281/283) is underwritten by Americo Financial Life and Annuity Insurance Comp (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 apply. Consult policy for all limitations and exclusions.

5 Eagle Premier at a Glance Issue Ages: Eagle Premier Level: Non-smoker: Smoker: Eagle Premier Guaranteed: Age last birthday Minimum Face Amount: $2,000 (In WA, face amounts vary by issue age. See table at the bottom of this page.). Gender: Male/Female (Unisex in MT) Premium Modes: Monthly PAC: Application: Series 5140T Annual Policy Fee: $40 (Policy fee is commissionable on Eagle Premier Level) Additional Information Non-smoker Classification A non-smoker is defined as a person who has not smoked cigarettes for at least 12 months prior to the completion date of the application. Smokeless tobacco, cigar, and pipe smoking qualify as non-smoker. Policy Loans Policy loans may be available. If available, the loan interest will be charged, in advance, at a fixed rate of 7.4% per year, compounded annually. This is equivalent to an effective annual rate of 8.0%, when paid in arrears. Policy loans will impact policy performance. When policy loans and interest on the loans are greater than the policy s cash value, the policy will terminate. State variations apply. Non-Forfeiture Options After the policy has a cash value, and if premium remains unpaid after the grace period, the nonforfeiture options available for Eagle Premier Series are reduced paid-up insurance and cash surrender. The automatic option will be reduced paid-up insurance. State Availability Eagle Premier Level is not available in CA, MN, MT, NY, PA and VT. Eagle Premier Guaranteed is not available in AR, CA, MA, MN, MT, NY, PA, VT and WA. State variations for Eagle Premier Guaranteed: Two-year graded death benefit in IL, NH, NJ & WV. Washington Specific Minimum Face Amounts by Issue Age Minimum Face Amount $5,000 $25,000 Male Nonsmoker Male Smoker Female Nonsmoker Female Smoker

6 Riders & Additional Benefits Accidental Death Benefit Rider Rider Series 2172 For Eagle Premier Level, an Accidental Death Benefit rider equal to the policy face amount will be added automatically to the policy. The accidental death benefit will pay if the insured dies from a bodily injury which is a direct result of an accident. An additional amount will be paid in the event of the insured s death, as a result of an accidental injury while riding as a fare-paying passenger on a common carrier. Accidental Death Provision For Eagle Premier Guaranteed, an accidental death benefit provision is included at no additional cost. With this benefit, if death occurs as the result of an accident during the graded death benefit period, the full death benefit is payable. Underwriting The products are issued on an Accept/Reject basis according to health questions on the application. A Medical Information Bureau (MIB) review and Prescription Drug Check is required. Eagle Premier Level will be issued if: ü All health questions (except for the smoker question) on the application are answered no. ü Height and weight are within guidelines. ü MIB records are clear or provide no information that is inconsistent with health history given on the application. ü Prescription database history is clear or provides no information that is inconsistent with the health history given on the application. Eagle Premier Guaranteed will be issued if: ü No health questions are answered on the application. OR ü Any health questions (except for the smoker question) on the application are answered yes. OR ü Height and weight are outside guidelines. Underwriting Build Chart Height Weight (lbs) Height Weight (Ibs)

7 Rate Charts Eagle Premier Level Annual Premium per $1,000 of Face Amount Issue Age Male FEMALE Non-Smoker Smoker Non-Smoker Smoker 40-50* n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a * Issue ages are available only as a companion sale. Add $40 annual policy fee. In MT use Male rates for Unisex rates. Annual Premium per $1,000 of Face Amount Issue Age Eagle Premier Guaranteed MALE FEMALE Add $40 annual policy fee.

8 Frequently Asked Questions What is an Automatic Premium Loan? An automatic premium loan will be available to your client at no additional cost. An automatic premium loan means that if at the end of the grace period the premium due has not been paid, a policy loan will automatically be made from the policy s cash value to pay the premium. The primary purpose is to prevent unintentional lapse of the policy. If the automatic premium loan is not selected, the cash value will not be used to pay premiums. What is MIB? MIB is an acronym for the Medical Information Bureau. This is a database that houses medical information supplied by insurance companies with permission from proposed insureds. What is Prescription Drug Check? Information gathered from prescription drug databases is frequently used by insurance companies to assist in evaluating risk and streamline underwriting process. How are Premiums drafted? Americo will draft for premiums from a checking or a savings account on the day the application is approved and issued. A specific draft day can be requested but drafting is not available on the 29th, 30th, or 31st. The effective date and the initial draft date will always be the same. If outstanding requirements are not received on a timely basis we will draft for the first and second months premium. If a third month is required, we will call you for approval. Are Companion Sales Allowed? Yes, on Eagle Premier Level product only. Issue ages are available only on the Level product for companion sales (for example, spouses) if one of the insureds is at least 50 years old. These ages are not available on the Guaranteed product. Can Existing Insurance Be Replaced? No. Replacements are not available with Eagle Premier Series.

9 Americo Financial Life and Annuity Insurance Comp 300 W. 11th Street Kansas City, MO About Americo For over 100 years, Americo Life, Inc. s family of insurance companies have been committed to providing the life insurance and annuity products you need to protect your mortgage, family, and future. 1 We listen to what you want from an insurance policy or annuity and do our best to provide a proper solution for your individual situation. Innovative thinking and sound investment decisions have helped us build a strong financial foundation for our business. Today, Americo Financial Life and Annuity Insurance Comp is the lead comp in one of the largest independent, privately held insurance groups in the United States 2, with 660,000 policies, over $32.7 billion of life insurance in force, and $6.0 billion in assets for year-end Americo Life, Inc. is a holding comp and is not responsible for the financial condition or contractual obligations of its affiliate insurance companies. 2 Admitted Assets, Top Life Writers-2013, A.M. Best Co., as of July Information is as of year end 2013 on a consolidated basis for Americo Financial Life and Annuity Insurance Comp and the other life insurance subsidiaries of Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally accepted accounting principles (GAAP). Important Information Americo Financial Life and Annuity Insurance Comp is authorized to do business in the District of Columbia and all states except NY and VT. Products are underwritten by Americo Financial Life and Annuity Insurance Comp (Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Consult policy and riders for all limitations and exclusions. For exact terms and conditions, please refer to the contract. The comp reserves the right to contest coverage for up to two years due to 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 indebtedness. See Missouri contract for special provisions regarding suicide. Neither Americo Financial Life and Annuity Insurance Comp nor agent representing Americo Financial Life and Annuity Insurance Comp is authorized to give legal or tax advice. Please consult a qualified professional regarding the information and concepts contained in this material. Any illustrations of future value 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.

10 About Americo For over 100 years, Americo Life, Inc. s family of insurance companies has been committed to providing the life insurance and annuity products you need to protect your mortgage, family, and future. 1 We listen to what you want from an insurance policy or annuity and do our best to provide a proper solution for your situation. Innovative thinking has helped us build a strong financial foundation for our business. Americo Financial Life and Annuity Insurance Comp (Americo) is a member of the Americo Life Inc. family of companies. Americo Life Inc., is one of the largest, independent, privately held insurance groups in the United States 2 with over 676,000 policies, over $34 billion of life insurance in force, and $6.1 billion in assets for year-end Americo Life, Inc. is a holding comp and is not responsible for the financial condition or contractual obligations of its affiliate insurance companies. 2 Admitted Assets, Top Life Writers-2012, A.M. Best Co., as of July Information is as of year-end 2012 on a consolidated basis for Americo Financial Life and Annuity Insurance Comp and the other life insurance subsidiaries of Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally accepted accounting principles (GAAP). Important Notices Americo Financial Life and Annuity Insurance Comp is authorized to conduct business in the District of Columbia and all states except NY and VT. Ultra Protector Series (Policy Series 281/283), Accelerated Benefit Payment Rider (Rider Series 2146), Accidental Death Benefit Rider (Rider Series 2175) and Children s Term Rider (Rider Series 2147) are underwritten by Americo Financial Life and Annuity Insurance Comp (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 available for an additional cost. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral at the time of your death. The beneficiary of this life insurance may use the proceeds for purpose, unless otherwise directed. The comp reserves the right to contest coverage for up to two years due to 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 indebtedness. See Missouri contract for special provisions regarding suicide. Neither Americo Financial Life and Annuity Insurance Comp, nor agent representing Americo Financial Life and Annuity Insurance Comp 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. Permanent Final Expense Whole Life Insurance Eagle Premier Series Policy Series 281/ (03/14)

11 Individual, Permanent Whole Life Insurance Protection From $2,000 to $30,000 Death benefit up to $30,000 You decide how much protection you need and can comfortably afford. Choose a death benefit of $2,000 or up to $30, Individual, Permanent Protection It may be one of the safest kinds of protection you can buy! It s safe because you own the policy. And as long as you pay your premiums, your coverage is guaranteed for life. Your Rate Does Not Increase The affordable monthly rate you start at will be the same monthly rate you ll pay for the life of the policy. Your rate will not increase with age or changes in health. Your Coverage Will Not Decrease or be Cancelled Because of Age or Health This is permanent whole life protection. The amount of your death benefit does not decrease as you get older. And, as long as you make your premium payments when due, you cannot lose this valuable protection because you get older or because your health changes. No Physical Exam Required Your acceptance is based on the information you provide during the application process. Depending on the policy, you will only need to answer a few medical questions. There are no costly or embarrassing physical exams to take. Issuance of policy may depend upon answers to medical questions. Protection From the Very First Day You are protected from the very first day your policy goes into effect. And, if you qualify for Eagle Premier Level, your full death benefit is available as soon as your policy is issued. If you don t qualify for Eagle Premier Level, you may receive an Eagle Premier Guaranteed policy. With Eagle Premier Guaranteed, the death benefit is graded for the first three policy years. 2 Builds Cash Value After your policy has been in force for a specified period of time, it builds cash value every year. This is your money that you can leave to grow or borrow to use as you see fit. Choice of Beneficiary and Payment Date Pick who you d like as your beneficiary and what date you would like to make your premium payments. Accidental Death Benefit Rider With Eagle Premier Level, an Accidental Death Benefit Rider (Rider Series 2175) is included at no additional cost. This rider provides an additional benefit of two times the base death benefit if the insured dies as a result of an accidental bodily injury within 90 days of the injury. In addition, it will provide an additional payment of three times the base death benefit in the event the death is a result of accidental injury while riding as a fare-paying passenger in a Common Carrier. Accidental Death Benefit Provision An Accidental Death Benefit provision is included with Eagle Premier Guaranteed policies at no additional cost. With this extra protection, if death occurs as the result of accidental bodily injury in the first three years and within 90 days of the injury, the full death benefit is payable. Not available in all states. Costs to Consider Use this worksheet to estimate some of the future financial obligations your loved ones may face. Credit Card Balances Other Outstanding Debt College Costs Funeral Expenses: Funeral Home Cemetery Plot Transportation Casket & Vault Church & Flowers Medical Expenses Probate Other TOTAL Proceeds from your Eagle Premier Series policy may be used for purpose. 1 Depends on policy selected and eligibility at the time of application. 2 State variations apply.

12 Eagle Premier Series Worksheet For use in all states except CA, CT, FL, MN, NY, PA, and VT. This worksheet is to be used to collect information prior to contacting Americo s Call Center. Once completed, call the toll-free number at All participants (Agent, Proposed Insured, Owner, and Payor) must be on the phone at the time of the call. All calls are recorded. This worksheet contains sensitive information and should be kept in a secure location for your records or destroyed. Agent Information Name: Agent ID #: Proposed Insured Information Issue State: Date of Birth: / / Male Female Name (First, MI, Last): Mailing Address: Street Address (If Mailing Address is a PO BOX): If less than 5 years at current address, list prior address: Phone Number: - - SSN or Taypayer ID: Place of Birth (City, State, Country): Owner Information (If different than the Proposed Insured) Name (First, MI, Last): Relationship to Proposed Insured: SSN or Taypayer ID: Mailing Address: Street Address (If Mailing Address is a PO BOX): Beneficiary Information (% of Share must total 100%. If shares are not given, they will be equal.) Primary Contingent % of Share: Name (First, MI, Last): Date of Birth: / / Phone Number: - - Relationship to Proposed Insured: Primary Contingent % of Share: Name (First, MI, Last): Date of Birth: / / Phone Number: - - Relationship to Proposed Insured: Product Information (Not all products are available in all states. See Product Availability Guide for state availability.) Level Guaranteed Face Amount $ Effective Date (If Not Current Date): / / Monthly Premium $ Automatic Premium Loan If applying for Eagle Premier Level, complete the following information: 1. Cigarette Smoker Non-Smoker 2. Height ' " 3. Weight (in pounds) Payor Information (Complete only when the Payor is different than the Proposed Insured and Owner.) Name (First, MI, Last): Relationship to Proposed Insured: Mailing Address: Street Address (If Mailing Address is a PO BOX): Bank Information Name of Financial Institution: Checking Savings Routing Number: Account Number: Notes: Policy Number (Will be provided at the end of the call.) For agent use only. Not for public use (03/14) Americo

13 REPLACEMENT INFORMATION For reference only. Do not return to Americo. 1. Is there existing life insurance or annuity coverage on the life of Proposed Insured?... Yes No If Yes, provide information in the table below and answer question 2. If No, skip question 2, and proceed to the next applicable section. Accidental Proposed Insured s Name (Last, First, Middle Initial) Comp Owner (Last, First, Middle Initial) Amount Death Benefit Policy Date 2. Will the life insurance applied for replace, or otherwise reduce in value, existing life insurance or annuity now in force?... Yes No Complete the replacement form(s) in accordance with applicable state replacement regulations. Replacement forms must be submitted with the application. PROPOSED INSURED HEALTH INFORMATION 1. Have You smoked cigarettes within the last twelve (12) months?... Yes No 2. Height: 3. Weight: 4. Have You ever been diagnosed, treated, tested positive, or been given medical advice, or prescribed medication Yes No by a member of the medical profession for: a. Alzheimer s disease, dementia, memory loss, muscular dystrophy, or ALS (Lou Gehrig s disease)?... b. Congestive heart failure or cardiomyopathy, chronic kidney disease or kidney failure, or received kidney dialysis?... c. Cirrhosis of the liver, liver failure or other liver diseases (excluding Hepatitis A, B, or C)?... d. Emphysema, chronic obstructive pulmonary disease (COPD), or other chronic respiratory or lung problem, excluding allergies or asthma?.. e. Metastatic cancer (cancer that has spread to other parts of the body)?... f. Two (2) or more occurrences of cancer of kind or a reoccurrence of a previous cancer?... g. AIDS, ARC, or HIV? In the past twenty-four (24)months, have You been diagnosed, treated, tested positive, or been given medical advice by a member of the medical profession for: a. Internal cancer or malignant melanoma (not basal cell skin cancer)?... b. Complications of diabetes, including amputation, retinopathy (eye disease), nephropathy (kidney disease), neuropathy, insulin shock, or diabetic coma?... c. Chronic hepatitis or alcoholic hepatitis? In the past twenty-four (24) months, have You received a diagnosis, been treated, received medical treatment or counseling, or been prescribed medication by a member of the medical profession for drug or alcohol abuse/dependency or addiction? the last twelve (12) months, have You been advised to have tests, surgery or hospitalization (except for those related to HIV or AIDS), which have not been completed, or waiting for a medical diagnosis or results of medical tests or procedures which have not been received? In the past twelve (12) months, have You been diagnosed, treated, tested positive, prescribed medication, or been given medical advice by a member of the medical profession for: a. Angioplasty (balloon procedure), stent placement, or heart bypass surgery?... b. Stroke; Heart attack, heart valve disorder, coronary disease, angina (chest pain), or heart disorder (excluding heart murmurs, rhythm disorders, and hypertension)? Have You received advice from a member of the medical profession to have, are You waiting for, or have You ever received, an organ or tissue transplant? Are You now, or within the past six (6) months have you been: a. Hospitalized for 48 hours or more, bedridden or confined to or living in a nursing facility or correctional facility?... b. Receiving or been advised by a member of the medical profession to receive hospice care?... c. Receiving home health care for a chronic or debilitating condition?... d. Receiving assistance with activities of daily living, including eating, bathing, toileting, or dressing due to a chronic or debilitating condition?... e. Confined to a wheelchair or using a walker for a chronic illness (except in the case of a temporary condition that is expected to last three (3) months or less)?... f. Using oxygen to assist in breathing? Have You been diagnosed with a terminal illness that is expected to result in death within twenty-four (24) months?... ADDITIONAL QUESTIONS FOR APPLICANTS AGE ONLY Yes No 12. the past twenty-four (24) months, have You been convicted of, or pled guilty or no contest to, a felony? the past twenty-four (24) months, have You been diagnosed, treated or tested positive, or given medical advice by a member of the medical profession for: a. Bipolar disorder, schizophrenia, manic or clinical depression, psychosis, mental incapacity, post-traumatic stress disorder or suicidal thoughts?... b. Brain tumor?... c. Huntington s disease? the past twenty-four (24) months, have You used narcotics (other than as prescribed by a member of the medical profession), amphetamines, hallucinogens, heroin, or cocaine? the past twelve (12) months, have You been convicted of or pled guilty or no contest to driving while impaired, intoxicated or under the influence of drugs or alcohol, or had Your driver s license suspended or revoked for reason? the past twelve (12) months, have You been diagnosed, tested positive, or been given medical advice by a member of the medical profession for chronic pancreatitis? Do You currently have felony charges pending against You, or are You currently on probation or parole?... For Americo agent use Financial only. Not for Life public and use. Annuity Insurance Comp Eagle Premier Home Series Office: (Policy Series Dallas, 281/283) Texas is underwritten Administrative by Americo Financial Office: Life PO and BOX Annuity , Insurance Kansas Comp, City, Kansas MO City, MO. Series 5140T ICC T (03/14)@Americo Page 1 of 3

14 Eagle Premier Series Monthly PAC Rates P$40 annual policy fee included PAnnual Premium = Monthly PAC Premium * Male Non-smoker Eagle Premier Level (281) Issue Age $2,000 $5,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $15,000 $20,000 $25,000 $30,000 Issue Age Female Non-smoker Eagle Premier Level (281) Issue Age $2,000 $5,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $15,000 $20,000 $25,000 $30,000 Issue Age PAC Rates for Eagle Premier Level (01/14) Americo For agent use only. Not for public use. Policy Series 281/283

15 Eagle Premier Series Monthly PAC Rates P$40 annual policy fee included PAnnual Premium = Monthly PAC Premium * PAC Rates for Eagle Premier Level Male Smoker Eagle Premier Level (281) Issue Age $2,000 $5,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $15,000 $20,000 $25,000 $30,000 Issue Age Female Smoker Eagle Premier Level (281) Issue Age $2,000 $5,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $15,000 $20,000 $25,000 $30,000 Issue Age

16 Eagle Premier Series Monthly PAC Rates P$40 annual policy fee included PAnnual Premium = Monthly PAC Premium * Male Eagle Premier Guaranteed (283) Issue Age $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 Issue Age Female Eagle Premier Guaranteed (283) Issue Age $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 Issue Age PAC Rates for Eagle Premier Guaranteed

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18 Premier Series Eagle TM Prescription Drug Guide 2014 Edition For agent use only. Not for public use (04/14)

19 Prescription Drug Guide This Prescription Drug Guide is used in conjunction with Americo s underwriting guidelines and does not reflect the full underwriting standards of Americo or all prescription drugs considered by Americo. This Guide provides a list of common drugs, their uses, and eligible Eagle Premier Series products available to an applicant taking one of the listed drugs. Americo products listed below under the column are not a guarantee of policy issuance, and prescription drug combinations may result in ineligibility. Further, prescription drug used in combination with a related or unrelated medical condition could result in ineligibility. Each application is reviewed based on the circumstances and conditions represented therein and may involve additional requirements. Both this Guide and the full underwriting guidelines used by Americo are subject to change. Note: The brand name drug is in ALL CAPS and its generic equivalent is next to it in lowercase letters. This guide allows you to search either by generic or brand name. p. 2 Drug Name A/B OTIC Ear pain Eagle Level abacavir (ZIAGEN) HIV/AIDS abacavir/lamivudine (EPZICOM) HIV/AIDS ABILIFY (aripiprazole) Psychotic disorders 24 months Eagle Level; decline ABSORBINE ARTHRITIS Topical arthritis pain treatment Eagle Level ABSTRAL (fentl) sublingual tablets Cancer pain 24 months acamprosate (CAMPRAL) Alcohol dependency treatment 24 months acarbose (PRECOSE) Diabetes Eagle Level (with no diabetic complications) ACCOLATE (zafirlukast) Asthma Eagle Level ACCUNEB (albuterol) Asthma Eagle Level ACCUPRIL (quinapril) Hypertension Eagle Level ACCUZYME (papain and urea) Dermatological treatment Eagle Level acebutolol HCl (SECTRAL) Hypertension Eagle Level acebutolol HCl (SECTRAL) Arrhythmia Eagle Level ACEON (perindopril) Hypertension Eagle Level ACEON (perindopril) Coronary artery disease 12 months acetaminophen with codeine #3 (TYLENOL WITH CODEINE #3) Pain relief - narcotic Eagle Level ACETASOL HC (acetic acid w/hydrocortisone) External ear infection Eagle Level acetazolamide (DIAMOX) Congestive heart failure acetazolamide (DIAMOX) Seizures Eagle Level acetazolamide (DIAMOX) Mountain sickness Eagle Level acetazolamide (DIAMOX) Glaucoma Eagle Level ACETIC ACID External ear infection Eagle Level acetic acid/aluminum acetate (DOMEBORO) External ear infection Eagle Level acetic acid/hydrocortisone (ACETASOL HC) External ear infection Eagle Level acetylcysteine (MUCOMYST) Emphysema acetylcysteine (MUCOMYST) Tuberculosis acetylcysteine (MUCOMYST) Pneumonia/bronchitis Eagle Level acetylcysteine (MUCOMYST) Cystic fibrosis ACLOVATE (alclometasone dipropionate) Dermatological treatment Eagle Level ACTIGALL (ursodiol) Gallstones Eagle Level ACTIGALL (ursodiol) Liver cirrhosis Eagle Level ACTIQ (fentl citrate) lozenge Cancer pain 24 months ACTIVELLA (estradiol/norethindrone) Menopausal symptoms Eagle Level

20 Drug Name ACTONEL (risedronate) Osteoporosis Eagle Level ACTOPLUS MET (metformin and pioglitazone) Diabetes Eagle Level (with no diabetic complications) ACTOS (pioglitazone) Diabetes Eagle Level (with no diabetic complications) ACULAR LS Eye drops Eagle Level acyclovir (ZOVIRAX) Shingles/chickenpox/genital herpes Eagle Level ADALAT (nifedipine) Hypertension Eagle Level adalimumab (HUMIRA) Rheumatoid arthritis/juvenile psoriatic arthritis Eagle Level adalimumab (HUMIRA) Crohn s disease Eagle Level adalimumab (HUMIRA) Ankylosing spondylitis Eagle Level adalimumab (HUMIRA) Plaque psoriasis Eagle Level ADDERALL (dextroamphetamine/amphetamine) ADHD/narcolepsy Eagle Level adefovir (HEPSERA) Hepatitis B 24 months ADVAIR DISKUS (fluticasone propionate/salmeterol) Asthma Eagle Level ADVAIR DISKUS (fluticasone propionate/salmeterol) Chronic obstructive pulmonary disease (COPD) Eagle Level (if diagnosed as chronic Eagle Guaranteed) ADVICOR (niacin/lovastatin) Elevated cholesterol Eagle Level AEROBID (flunisolide) Asthma Eagle Level AFEDITAB (nifedipine) Hypertension Eagle Level AGGRENOX (aspirin/dipyridamole) Stroke/TIA 12 months AGRYLIN (anagrelide HCl) Cancer 24 months albuterol (ACCUNEB, PROAIR HFA, PROVENTIL, VENTOLIN) albuterol/ipratropium (COMBIVENT, DUONEB) Asthma Eagle Level Chronic obstructive pulmonary disease (COPD) alclometasone dipropionate (ACLOVATE) Dermatological treatment Eagle Level ALDACTAZIDE (hydrochlorothiazide/spironolactone) Hypertension Eagle Level ALDACTAZIDE (hydrochlorothiazide/spironolactone) Liver cirrhosis ALDACTAZIDE (hydrochlorothiazide/spironolactone) Congestive heart failure ALDACTAZIDE (hydrochlorothiazide/spironolactone) Kidney disease ALDACTONE (spironolactone) Hyperaldosteronism/low potassium Eagle Level ALDACTONE (spironolactone) Hypertension Eagle Level ALDACTONE (spironolactone) Liver cirrhosis ALDACTONE (spironolactone) Congestive heart failure ALDACTONE (spironolactone) Kidney disease ALDARA (imiquimod) Dermatological treatment Eagle Level ALDOMET (methyldopa) Hypertension Eagle Level ALINIA Gastrointestinal infection Eagle Level aliskiren (TEKTURNA) Hypertension Eagle Level aliskiren/hydrochlorothiazide (TEKTURNA HCT) Hypertension Eagle Level ALLOPURINOL Gout Eagle Level ALLOPURINOL Cancer treatment-related uric acid elevation 24 months ALPHAGAN (brimonidine tartrate) Glaucoma Eagle Level p. 3