Affordable Burial and Funeral Coverage You Can Trust

Planning for end-of-life expenses is one of the most important gifts you can leave your loved ones. Americo final expense insurance is designed to provide affordable, permanent life insurance coverage that helps cover funeral costs, medical bills, and outstanding debts without placing financial stress on your family.

At Life Insured by Chris, we help individuals and seniors secure the right Americo burial insurance policy quickly and confidently, often with instant approval and no medical exams.

👉 Get Your Free Quote

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What Is Americo Final Expense Insurance?

Americo final expense insurance is a form of permanent life insurance specifically designed to cover:

Funeral and burial expenses
Cremation costs
Medical bills
Credit card balances
Other end-of-life expenses

Unlike traditional life insurance, Americo final expense policies are simple, affordable, and easy to qualify for, making them ideal for seniors and individuals with health conditions.

Americo Strength Brochure.pdf

Why Choose Americo for Final Expense Coverage?

Americo is a nationally recognized life insurance company known for simplified underwriting and fast approvals.

Key Benefits of Americo Final Expense Insurance:

Coverage amounts typically from $5,000 to $40,000
Permanent coverage that lasts your entire life
Level premiums that never increase
Instant decision applications
No medical exams required
Policies available for ages 40 to 85

Americo offers multiple final expense plans to match different health profiles helping most applicants qualify for coverage.

Eagle Select Permanent Final Expense Whole Life Insurance.pdf

Americo Eagle Select Final Expense Plans

Americo’s Eagle Select final expense plans provide flexible options based on your health history and budget.

Coverage Options Include:

Immediate death benefit plans for healthier applicants
Graded death benefit plans for those with certain medical conditions
Lifetime coverage with fixed premiums
Accelerated death benefits for qualifying terminal illness events

Optional riders may be available, including:

Accidental death benefit
Child or grandchild term coverage

These plans are ideal for individuals seeking Americo funeral insurance that is affordable, reliable, and easy to maintain.

Who Is Americo Final Expense Insurance Best For?

Americo final expense insurance is a great fit if you:

Want to protect loved ones from funeral expenses
Are a senior on a fixed income
Have health conditions that make traditional life insurance difficult
Prefer no medical exams and fast approvals
Want predictable premiums that never increase

This type of coverage ensures your family can focus on healing not finances.

Americo Client Presentation.pdf

How Much Does Americo Burial Insurance Cost?

The cost of Americo burial insurance depends on:

Age
Gender
Health history
Coverage amount

Most policies are budget-friendly and designed to fit monthly retirement income. As an independent brokerage, we compare Americo’s options to ensure you get the most coverage for the lowest possible cost.

Common Excuses.pdf

Work With a Trusted Americo Final Expense Insurance Agent

Choosing the right final expense policy doesn’t have to be overwhelming. We specialize in helping clients secure Americo final expense insurance with clear explanations and personalized guidance.

Get a Free Americo Final Expense Insurance Quote Today

✔ No obligation
✔ Fast approvals
✔ Coverage tailored to your budget

👉 Request your free quote now
👉 Schedule a one-on-one consultation

Policy availability, benefits, and riders vary by state. Accelerated death benefits reduce the policy’s death benefit when used. All policies are subject to underwriting and terms and conditions.

Protect Your Home With Americo Life Insurance

Your Home May Be Your Most Valuable Asset

Your home represents years of hard work, stability, and security for your family. Americo Financial Life and Annuity Insurance Company offers affordable life insurance solutions designed to help protect your mortgage, income, and loved ones without complicated underwriting or long approval times.

With Americo’s instant-decision eApplication, you can find out if you’re approved in minutes. No medical exams are required for many applicants, just answer a few simple health questions.

Why Choose Americo Life Insurance?

Americo offers a flexible portfolio of Term Life, Universal Life, and Cash Back Option (CBO) policies designed to meet real-world financial needs.

Key Benefits Include:

Term life insurance available in 15, 20, 25, and 30-year terms
Choice of fully guaranteed or 5-year guaranteed premiums
Cash Back Option (CBO) Universal Life that may return 50% or 100% of base premiums
Built-in living benefit riders on select products
No medical exams for many applicants
Affordable coverage aligned with your mortgage or income needs

Client Worksheet.pdf

Help Pay Off the Mortgage at Death

Americo life insurance makes it easy to align your coverage with your mortgage.

You select:

The coverage amount you need
The term length that best matches your mortgage

Your death benefit stays level for the entire policy term. If you pass away, the benefit is paid directly to your beneficiaries, who can use the funds to:

Pay off the mortgage
Cover monthly bills
Replace lost income
Handle final expenses or other financial needs

Tri-fold Client Brochure.pdf

Get Your Money Back With Americo Cash Back Option (CBO)

Receive Your Premiums Back If You Never Use the Coverage

With Americo CBO 100 and CBO 50, you get life insurance protection when you need it and the option to receive money back if you outlive the policy period.

How It Works:

CBO policies build cash value
At the end of the Cash Back Option period, your surrender value equals:
- 100% of base premiums paid (CBO 100)
- 50% of base premiums paid (CBO 50)
Rider premiums and outstanding loans are excluded

You may terminate the policy at the end of the period and receive your eligible cash back giving you flexibility when your mortgage is paid off or coverage is no longer needed.

Cash Back Example (For Illustration Only)

30-year-old male, non-smoker
$150,000 coverage | 30-Year Cash Back Option

Product	Monthly Premium	Total Premiums	Cash Back
CBO 100	$78.75	$28,350	$28,350
CBO 50	$61.00	$21,960	$10,980

If coverage is surrendered within 60 days after the 30th anniversary, the policyholder is guaranteed to receive the applicable cash back amount (less any outstanding loans).

Accidental Death Benefit (ADB) Options

Americo policies offer added protection in the event of accidental death.

Term 125 (Not Available on Term 100):

Additional 25% of the base death benefit if death results from an accident
Additional 25% if death occurs while riding as a fare-paying passenger on a common carrier

CBO 100 & CBO 50:

Additional accidental death benefit (up to age 70)
Death must occur within 90 days of accidental bodily injury
Available for an additional cost

Term-CBO Brochure.pdf

Living Benefit Riders (Included on Select Products)

If life takes an unexpected turn, Americo’s Living Benefit Riders can give you early access to your policy’s death benefit often at no additional cost.

Available Living Benefits Include:

Critical Illness Rider – Lump-sum payout for qualifying illnesses such as invasive cancer, heart attack, or stroke
Chronic Illness Rider – Benefit paid if you cannot perform 2 activities of daily living over a 90-day period
Terminal Illness Rider – Lump-sum payment if diagnosed with a terminal illness with life expectancy of 12 months or less

Funds can be used for medical bills, household expenses, or any personal financial need.

Optional Riders for Added Protection

Customize your Americo life insurance policy with optional riders:

Disability Income Rider – Monthly income up to $2,000 for up to two years if totally disabled
Spouse Term Rider – Coverage for your spouse
Children’s Term Rider – Up to $15,000 per child, convertible to permanent coverage
Waiver of Premium Riders – Premiums waived during total disability or involuntary unemployment
Income Term Rider – Pays death benefits in monthly installments to help cover mortgage payments or living expenses (not available on Term 100)

A Life Insurance Company You Can Count On

Americo Financial Life and Annuity Insurance Company has been protecting families for over 100 years.

Rated “A” (Excellent) by A.M. Best
One of the largest privately held insurance groups in the U.S.
$8.4 billion in assets (year-end 2022)

Americo combines financial strength, innovative product design, and dependable service making it a trusted choice for mortgage protection and family security.

Get an Americo Life Insurance Quote Today

At Life Insured By Chris, we make it easy to compare Americo life insurance options and find the right coverage for your budget and goals.

✅ No medical exams for many applicants
✅ Fast approvals
✅ Affordable monthly premiums

👉 Get your Americo quote today and protect what matters most—your home, your income, and your family.

Americo Life Insurance