Why Choose Americo Eagle Premier?

Americo Eagle Premier is one of the most consistently recommended final expense policies in Life Insured By Chris' carrier network and for good reason. For seniors ages 50 to 85 who want accessible, affordable, permanent protection for end-of-life costs without the friction of a medical exam, Americo Eagle Premier delivers a combination of features that is genuinely difficult to match in the final expense market.

This is an honest, comprehensive review of what Americo Eagle Premier offers, who it is right for, and how it compares to the most common alternatives.

What Is Americo Eagle Premier

Americo Financial Life and Annuity Insurance Company is a trusted national carrier with decades of experience in the final expense and whole life insurance market. Eagle Premier is their flagship final expense product, a whole life policy designed specifically for individuals ages 50 to 85 who want to protect their families from funeral costs, outstanding debts, and end-of-life financial burden.

Coverage amounts range from $2,000 to $30,000, making Eagle Premier well-suited to covering funeral and burial expenses, which in the United States average $8,000 to $12,000, along with any outstanding medical bills or small debts.

The Key Features That Make Eagle Premier Stand Out

No medical exam is required for Eagle Premier, applicants answer health questions, but there is no blood draw, paramedical exam, or laboratory review. For seniors or individuals with health concerns, this is a critical advantage.

Eagle Premier offers two plan tiers. The Level Benefit plan is designed for healthier applicants and provides full immediate coverage from day one, no waiting period. The Graded Benefit plan is designed for applicants with certain health conditions and provides a modified death benefit schedule during the first two years.

The Accelerated Death Benefit Rider is included at no additional cost with most Eagle Premier policies, allowing policyholders to access a portion of their death benefit early if diagnosed with a terminal illness. This living benefit rider is a feature many competing carriers charge extra for or do not offer at all.

Cash value accumulates over the life of the policy, which can be borrowed against for unexpected financial needs.

How Does Eagle Premier Compare to Competing Final Expense Carriers?

Against Mutual of Omaha Living Promise: both are strong simplified issue products. Americo's accelerated benefit rider included at no cost is a meaningful advantage. Pricing and underwriting acceptance rates vary by health profile and should be compared directly for each applicant.

Against AIG Guaranteed Issue: AIG's guaranteed acceptance means no health questions but it also means a two-year waiting period and higher premiums. Eagle Premier's Level Benefit plan provides immediate coverage for healthy applicants at lower premiums.

Against Colonial Penn: Colonial Penn's pricing structure is frequently confusing and the actual coverage per unit is often far less than applicants expect. Eagle Premier provides transparent coverage amounts and more flexible options.

Who Is Americo Eagle Premier Right For?

Eagle Premier is an excellent fit for seniors ages 50 to 85 who want permanent final expense coverage without a medical exam, applicants in reasonably good health who qualify for Level Benefit immediate coverage, individuals who want an accelerated death benefit rider included in their policy, and families who want to ensure end-of-life costs are handled without burdening their loved ones.

Christopher at Life Insured By Chris compares Americo Eagle Premier against every relevant competitor, including Mutual of Omaha, American Amicable, Transamerica, and others, to find what genuinely wins for each client's specific health profile and coverage goals.

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