Ultra Protector Series


Ultra Protector Series (UPS)

Ultra Protector Series is a portfolio of whole life insurance products designed to help cover the costs associated with funeral and burial expenses, unpaid medical bills, or other financial obligations that your clients’ families may face when they die.


Three products for different situations:

Ultra Protector I – full death benefit
Ultra Protector II – full death benefit
Ultra Protector III – 3-year graded death benefit – guaranteed issue


  • Full death benefit payable for accidental death
  • Guaranteed level premiums
  • Every client can qualify for coverage2
  • Coverage cannot be cancelled because of age or health
  • Face amounts from $2,000 to $30,000
  • Pipe and cigar smokers qualify for non-smoker rates
  • Simple application process – No medical exams3
  • No telephone interview required at point of sale
  • Quick issue – 48 hour turnaround on clean applications
  • Children’s Term and Terminal Illness Accelerated Benefit Riders available on Ultra Protector

(See Agent Guide for full details and exclusions)

Product Details

Issue Ages:

UP I  50-85  (non-smoker)   50-80  (smoker)

UP II  50-80

UP III  50-75

Issue Amounts:

UP I/II  $2000 – $30,000

UP III  $2000 – $10,000

Policy Fee:

UP I/II  $40 (commissionable)

UP III  $40 (non-commissionable)

Underwriting Classes:

UP I  Non-smoker/Smoker (pipe & cigar smokers qualify for ns rates)

UP II/III  Male/Female

Premiums:Full death benefit / 2-year graded / 3-year graded (guaranteed issue)
Optional Riders:Accelerated Benefit Payment Rider included at no additional cost
Children’s Term Rider available for $11 per $1,000 annually
Accidental Death Benefit
Payment Modes:Annual (1.00) and Monthly PAC (.095)
Applications & Forms:

**Your web browser must allow pop-ups for the forms to download


 Agent Product Guide

 UPS Monthly PAC Rates

 UPS Quick Quotes

 UPS Client Worksheet

 Agent Product Guide (MD)

 UPS Monthly PAC Rates

 UPS Quick Quotes
        (AR, MA, MN, MO, NJ, NC, WV)

Training:See Americo Agent Cafe website

One Life America is founded on the core principles of honesty, integrity and real family values.

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Contact Info

One Life America
1600 NE Coronado Dr
Blue Springs, MO 64014

Toll Free: 833.274.1953
Local: 916.244.6280

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