Ultra Protector Series

americo

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.

americo

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) Male/Female UP II/III Male/Female
Convertibility:	None
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
Guides:	Agent Product Guide UPS Monthly PAC Rates UPS Quick Quotes UPS Client Worksheet	Agent Product Guide (MD) UPS Monthly PAC Rates (AR, MA, MN, MO, NJ, NC, WV) UPS Quick Quotes (AR, MA, MN, MO, NJ, NC, WV)
Training:	See Americo Agent Cafe website