May 4, 2020

TO: Americo Agents

RE: Mortgage and Final Expense Changes

Americo continues to be the leader in the Mortgage and Final Expense markets thanks to your hard work and dedication. We continually look for ways to increase the value proposition for you, your clients, and Americo, and are committed to finding ways to make it easier for you to build your business with Americo. With that in mind, we will be streamlining our Mortgage portfolio and making changes to our Final Expense products over the next few weeks.

HMS Plus Series Changes Effective May 9, 2020

Beginning May 9, 2020, we will be streamlining our Cash Back Option products by rebranding the HMS Plus 125 CBO product to our new HMS Plus CBO. This key product will still offer 100% Return of Premium AND Living Benefits together, and the Accidental Death Benefit will be enhanced to equal 50% of the amount of the base death benefit. Commissions will remain the same as the current HMS Plus 125 CBO and there will be a modest increase to premiums.

With the addition of this enhanced HMS Plus CBO product, effective May 9, 2020, sales of the following products will be discontinued: HMS Plus 150 term and 150 CBO, HMS Plus 100 CBO and HMS Plus ADB w/ROP. Applications for these products must be dated and received by close of business Friday, May 8, 2020. Any applications received after May 15, 2020 will be returned.

We are also pleased to announce there will be no changes to HMS Plus 125 term, HMS Plus 100 term, HMS Plus w/ADB, Payment Protector, HMS Plus Continuation and Payment Protector Continuation.

Materials & Training

New marketing materials and applications will be available on AmericoHMSPlus.com and new eApplications will be available through Sales Connection on May 9th. You can order new materials and application packets beginning Tuesday on the Americo Agent Portal.

Agent Training will be available on May 6th and May 13th. Click on the link below to register.

May 6th (Morning)

11 am ET / 10 am CT / 9 am MT / 8 am PT

Event # 288 092 366

Password: Training1

May 6th (Afternoon)

11 am ET / 10 am CT / 9 am MT / 8 am PT

Event # 280 204 974

Password: Training1

May 13th (Morning)

11 am ET / 10 am CT / 9 am MT / 8 am PT

Event # 286 340 302

Password: Training1

May 13th (Afternoon)

3 pm ET / 2 pm CT / 1 MT / 12 pm PT

Event # 281 337 101

Password: Training1

We are confident that our revised Mortgage portfolio will help you continue to be successful in the Mortgage market.

Eagle Premier Series Changes Effective June 1, 2020

Effective June 1, 2020, we will be making the following changes to Eagle Premier Series.

· There will be a modest premium increase.

· Issue ages 81-85 will have a commission change. Contact your IMO for more information or you can view your commissions on Americo.com beginning June 1, 2020.

· New chargeback provision – 100% chargeback on policy cancellation, death, lapse, or surrender during the first three policy months.

Committed to Putting UFirst

Through it all, Americo continues to have the best processes, products and service in the industry.

· Our eApplication provides a 100% instant decision at the point-of-sale with no phone calls, paperwork, or amendments.

· Commissions paid daily via EFT.

· Multiple electronic signature options available.

· AND we have the best cash incentive program in the industry with our UFirst Rewards. The current qualification period ends May 31, 2020. You still have time to qualify to receive at least a $3,200 check in June.

I'd like to personally thank you for your business and continued commitment to Americo. Should you have any questions, or if we can be of assistance, please contact Agent Services at 800.231.0801.

Sincerely,

Jeremy Thornton

Senior Vice President &

Chief Marketing Officer

For agent use only. Not for public use.