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Americo Life Insurance Company Reviews

Americo Life Insurance Company Reviews

The following review of Americo Life Insurance Company was created with one primary purpose—to help our client’s find the best life insurance policy based on each client’s unique need, health and lifestyle. Is Americo Life the right company for you?

2016 Review of Americo Life Insurance Company

If you are looking for Americo Life Insurance Company Reviews, you are in the right place! Americo Insurance is a top rated life insurance company and currently in our top ten no medical exam life insurance companies list and top ten best final expense and burial insurance companies list.

Americo Life Insurance Company Reviews

About Americo Life

Americo Insurance was established over 100 years ago. The Company boasts over 30 billion of life insurance in force.

Americo Life Insurance Company’s Ratings

Any good review of Americo Insurance will address the Company’s rating. As of October 15, 2014, Americo Insurance has an A, excellent rating from A.M. Best Company, the premier rating agency for life insurance companies.

Pros of Americo Insurance

In the following section of this Americo Life Insurance Company review we will cover the pros to choosing Americo Insurance as your life provider. Our main focus with Americo Insurance is towards the Company’s final expense and burial insurance.

Products Offered by Americo Life Insurance Company

Americo offers the Ultra Protector Series. All Ultra Protector Products are no medical exam and come in three flavors*:

Ultra Protector I- Full Death Benefit

  • Guaranteed Level Premiums
  • Face Amounts from $2,000-$30,000
  • Ages 50-85
  • Full death benefit right away
  • Accelerated Benefit Payment Rider
  • Optional Children’s Term Rider and Accidental Death Benefit
  • MIB and Prescription database check
  • Must answer NO to all questions on application

Ultra Protector II- Full Death Benefit

  • Guaranteed Level Premiums
  • Face Amounts from $2,000-$30,000
  • Ages 50-80
  • Full death benefit right away
  • Accelerated Benefit Payment Rider (UP TO 50% of the death benefit if diagnosed terminally ill).
  • Optional Children’s Term Rider and Accidental Death Benefit
  • MIB and Prescription database check
  • Must answer NO to all questions on part one of application

Ultra Protector III- 3 Year Graded Death Benefit

  • Guaranteed Issue
  • Guaranteed Level Premiums
  • Face Amounts from $2,000-$10,000
  • Ages 50-75
  • Death Benefit year 1 = 5%; Year 2 = 10%; Year 3 = 75%
  • Accidental Death Insurance Benefit: Full death benefit payable from day 1 if death is due to an accident

*Riders and Face amounts vary from state to state. Please give us a call  for information on the product in your state.

Sample Americo Life Insurance Quotes

Ultra Protector I Quotes are based on a 50 year old male. Rates are subject to change and must be qualified for.

$5,000
$10,000
$15,000
$20,000
$30,000
$17.93
$32.06
$46.19
$60.33
$88.59

 

Quotes are based on a 50 year old female. Rates are subject to change and must be qualified for.

$5,000
$10,000
$15,000
$20,000
$30,000
$14.18
$24.56
$34.94
$45.31
$66.07

 

Cons of Americo Insurance

In this section of our Americo Life Insurance Company review we will cover the cons to choosing Americo Insurance as your life insurance provider.

Americo Life is but One of Many

As with any carrier, Americo Insurance simply cannot meet the need of every client. When you apply for life insurance with Americo Insurance, you are choosing to go with one company. That means if you have some sort of condition or lifestyle that would make you high risk life insurance you better hope that Americo Insurance specializes in that condition.For example, applying for diabetic life insurance. However, each consumer looking for life insurance is better served by choosing among the bet options available and not focusing on only one company. That is where we come in.

Recommendation

We at TermLife2Go have a recommendation for anyone considering a life insurance policy from Americo Insurance. Give us a call and allow us to spend some time with you to help determine if Americo Life is the best company with the best price for your specific life insurance needs. If the Company happens to be the best fit for you then great. However, with dozens of the best life insurance companies to choose from, you might save thousands of dollars over the term of your insurance policy by going with another life insurance provider.

About TermLife2Go

We do not favor one life insurance company over another. Instead, we find out what you need and then we recommend the lowest priced, best life insurance company to meet your specific need. Therefore, if price matters to you, give us a chance to earn your business. We are here to serve you!

For a free life insurance consultation and for free quotes from Americo Life and dozens of other top rated life insurance companies, please call us to see what we can do for you!

Thank you for reading our article, Americo Life Insurance Company Reviews. Please leave any questions or comments below.

4 comments… add one
  • Tina L

    do you really do this for free? How do you survive?

  • Lawrence Fletcher

    I found this old policy in my file and wondered if it is still good.

    • Lawrence,

      TermLife2Go operates as an insurance brokerage which means that we don’t actually have access to an individual’s life insurance policy once it is put into force. To learn more about a particular policy that has been issued by Americo Life Insurance Company, you will need to contact them directly.

      Americo Life Insurance Company can be reached at:
      1-800-752-1387
      Customer.service@americo.com

      Best wishes,

      TermLife2Go.

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