Americo Life Insurance
Affordable Burial and Funeral Coverage You Can Trust
Most families don't think about funeral costs until they're in the middle of one. The average burial today runs between $7,000 and $12,000 and when medical bills, outstanding debts, and estate expenses are factored in, that number climbs fast. Americo life insurance was built to make sure that burden never lands on the people you love.
Americo Financial Life and Annuity Insurance Company has been protecting American families for over 100 years. Rated "A" (Excellent) by A.M. Best with $8.4 billion in assets, Americo combines institutional financial strength with flexible underwriting that works in favor of clients other companies decline. That's why Christopher at Life Insured By Chris recommends Americo frequently especially for clients who have health conditions, have been quoted high rates elsewhere, or need fast approval without a medical exam.
What Americo Final Expense Insurance Covers?
Americo's Eagle Select final expense plans are permanent whole life policies designed to cover the costs your family would otherwise face out of pocket. That includes funeral and burial costs, cremation expenses, outstanding medical bills, credit card balances, and other end-of-life expenses. Coverage amounts range from $5,000 to $40,000, premiums never increase, and the death benefit is guaranteed for life.
Two plan types are available depending on your health profile. The immediate death benefit plan provides full coverage from day one for healthier applicants. The graded death benefit plan is available for those with certain medical conditions, with full benefits available after the initial waiting period. Both plans offer fast, simplified approval many applicants receive a decision the same day, with no medical exam required.
Optional riders allow you to customize your coverage further, including an accidental death benefit that pays an additional 25% of your base benefit if death results from an accident, a children's or grandchildren's term rider, and living benefit riders for qualifying critical, chronic, or terminal illness events that allow you to access a portion of your death benefit while still living.
Eagle Select Permanent Final Expense Whole Life Insurance.pdf
Americo Mortgage Protection and Term Life
Beyond final expense, Americo offers a strong lineup of term life and universal life products specifically designed for mortgage protection and income replacement. Term coverage is available in 15, 20, 25, and 30-year terms with level premiums, a guaranteed death benefit, and no medical exam required for many applicants. The Cash Back Option (CBO) policies, available in CBO 50 and CBO 100 versions, allow you to receive 50% or 100% of your base premiums back at the end of the policy period if you outlive the term, giving you protection now and a financial return later.
Who Americo Is Best For?
Americo is a strong fit if you are a senior on a fixed income looking for affordable permanent coverage, someone with a health condition who has been declined or quoted high rates by other carriers, a homeowner who wants to align life insurance coverage with their mortgage term, a parent or grandparent who wants to leave a guaranteed financial legacy, or anyone who wants fast coverage without the delay of a full medical exam.
Rates increase every year you wait and a health change can affect your eligibility overnight.
Book your free 15-minute coverage review today and Life Insured By Chris will compare Americo's plans alongside other top-rated carriers to find the right fit for your budget and situation.
Americo Client Presentation.pdf
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 my Americo quote today and protect what matters most—your home, your income, and your family.
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.
Resources
- Referral Letter.pdf
- IUL Client Flyer
- Quit Smoking Advantage.pdf
- Client Lead Letter.pdf
- Final Wishes Guide.pdf
- Common Excuses.pdf
- ClientPresentation.pdf
- Client Brochure pages.pdf
- Americo Strength Brochure.pdf
- Payment Protector Client Brochure.pdf
- PP Expense Worksheet.pdf
- Client Worksheet.pdf
- Term-CBO Brochure.pdf
- Tri-fold Client Brochure.pdf
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- Whole Life Insurance Explained
