Would there be enough income to make the mortgage payment?
Would you be forced to dip into your savings?
What would happen if my spouse or I became disabled?
Help you make your payments if you or your spouse become disabled.
You may receive a monthly income of up to $2,000
Benefits may be paid for up to 2 years
You can also elect to have your policy premiums waived during a disability
Home Mortgage Series & LifeTerm Series Riders can… *The Disability Income Rider (Rider Series 2145) and Waiver of Premium for Disability Rider (Rider Series 2100) are optional and available for an additional cost.
How would you pay the medical bills and your every day expenses?
What would happen if I survive a critical illness?
Provide cash if you should become critically ill*
You may receive up to 50% of your policy’s death benefit up to $250,000.
Qualified critical illnesses include heart attack, stroke, life-threatening cancer, major organ transplant, renal failure, and paralysis
Home Mortgage Series Riders can… *The Critical Illness Accelerated Benefit Rider (Rider Series 2139) is optional and available for an additional cost. State variations apply.
What would happen if I unexpectedly lost my job?
Would you need to re-evaluate some of your financial obligations?
Would you have enough money to pay your current life insurance premiums?
Waive your premiums if you become involuntarily unemployed.*
Premiums of up to $500 per month are waived while you are involuntarily unemployed for up to six months
You don’t risk losing your valuable insurance protection while out of work
Home Mortgage Series & LifeTerm Series Riders can… *The Involuntary Unemployment Waiver of Premium Rider (Rider Series 2140) is optional and available at no additional cost if the Waiver of Premium for Disability Rider (Rider Series 2100/2130) is purchased.
Unlike homeowners, auto, and health insurance, Home Mortgage Series and LifeTerm Series offer an additional rider that guarantees a return of all of your premiums after the rider premium period if you do not use your coverage.
What if I never need to use any of the coverage? Return of Premium Rider (Rider Series 2132), Endowment Rider (Rider Series 2143), and Cash Value Rider (Rider Series 2153) are optional and may be available at an additional cost.
Return 100% of all your premium payments if you never use any of the elected benefits*
Complete protection for all those years!
All of your money back!
Home Mortgage Series & LifeTerm Series Riders can… *Any payments made under the Disability Income Rider will reduce the benefit from the Return of Premium Rider (Rider Series 2132), Endowment Rider (Rider Series 2143), and Cash Value Rider (Rider Series 2153).
Generally, with HMS, no medical examinations are required for coverage protecting mortgages of $250,000 and below
A saliva test is required for ages 18-65 with LifeTerm Series. Depending on coverage amount there may be a medical exam required.
You have a choice of premium payment methods
Ask your Americo representative for a customized quote today! It’s easy to apply
IMPORTANT DISCLOSURES Products and Riders 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. Certain restrictions apply. Consult contract and riders for all limitations and exclusions. Neither Americo nor any agent representing the company can give legal or tax advice. Please consult a qualified, professional legal or tax advisor regarding the information and concepts contained in this material. Americo is authorized to do business in all states and the District of Columbia except AK, NY, and VT. Policy Series 174/234/262/263/278/279