î Guaranteed lifetime death benefit1

î Guaranteed return of premium feature1, 2

î Income bonus2

î Index account based on the performance of the S&P 500®

Agent Guide

For agent use only. Not for public use.08-296-1 (07/17)©Americo

LifeCrest Index Indexed Universal Life Insurance Simple Solutions. Lifetime Value.

®

Americo Contact InformationAmerico.com: Access product information, forms, consumer-friendly information, and download quote software at our agent website www.americo.com.

Sales Support: 800.231.0801or salessupport@americo.com Monday – Friday 8 A.M. to 5 P.M., Central.

Agent Contact Center: 800.231.0801 or pending.business@americo.com Monday – Friday 8 A.M. to 5 P.M., Central. Underwriting: Have a special situation? Refer to www.americo.com. For specific underwriting questions, contact an underwriter directly through the Agent Contact Center at 800.231.0801.

For faster issue, fax underwriting and delivery requirements to 800.395.9238.

Table of ContentsIntroductionHow LifeCrest Index Works 2

Why Sell LifeCrest Index 3

Product Specifications 4

Accelerated Benefit Payment Rider 6

New Business Information 7

General Underwriting Information 8

Standard Underwriting 9

Preferred Underwriting 11

Single Impairment Guide 13

Prescription Drug Guide 15

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Your clients deserve financial security and the freedom that comes with guaranteed life insurance coverage. Life insurance is about protection...

protection for loved ones

in the event of death. Sometimes the protection of life insurance can also offer benefits while your client is still living.

Many people do not have enough life insurance to help protect their family, or may not realize that life insurance can offer more than just death benefit coverage.

LifeCrest Index is indexed universal life insurance designed to set you apart in the everyday term insurance market. It offers clients a lifetime of guaranteed protection,1 a guaranteed return of premium feature,1, 2 and interest based on the performance of the S&P 500® Index. This simple, indexed universal life insurance can help clients throughout their entire lifetime.

1Benefits are guaranteed as long as all minimum required premiums are paid as scheduled. 2Return of premium feature and income bonus available at age 65 or after 20 years, whichever is later, but no later than age 80.

Not all indexed universal life products are alike – LifeCrest Index was specifically designed to set you apart in the everyday term insurance market. If your clients need basic insurance coverage, why not offer them more than the ordinary? LifeCrest Index offers more benefits in one easy-to-understand package.

How it worksBased on guarantees and simplicity, LifeCrest Index can give your clients more during their retirement years – at a time when life insurance may no longer be necessary.

Situation:

Meet Robert and Rebecca. They have two young children. Today their concerns focus on making sure their family is taken care of should Robert die. What if you could offer them more than just ordinary term insurance? LifeCrest Index, unlike some other life policies, offers a solution for the family’s needs today and tomorrow, in one simple package.

Because of the Return of Premium feature and the option for a 5% income bonus, Robert decides to purchase a LifeCrest Index policy with a $200,000 death benefit.

After 30 years, Robert retires. LifeCrest Index provided the security he and his family needed, in addition to cash value growth based on the performance of the S&P 500 Index. Now he has a few options to consider.

Option One: Return of Premium featureRobert is guaranteed to have cash value that is no less than the total premium paid into the policy. If he chooses to surrender his policy, he will receive no less than $63,000 – money he can use for anything. See Return of Premium feature on Page 5 for additional information.

Option Two: 10-year or lifetime incomeRobert could choose to receive payments for the next 10 years and receive a 5% income bonus. This option guarantees him at least $592 each month for the next 10 years. Or, he could take the lifetime option. With this, he will receive no less than $326 each month for the rest of his life.

Option Three: Continue coverageRobert could also decide to continue his coverage and watch his cash value continue to grow.

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The Extraordinary for the Ordinary

Assumptions: Robert is a 35-year-old non-smoker. All information shown here is hypothetical, intended for illustrative purposes only, and not guaranteed.

LifeCrest Index offers all the benefits your clients need in one, simple package:

î Death benefit guarantee1 Unlike traditional term products, LifeCrest Index offers lifetime guaranteed coverage, as long as minimum premiums are paid.

î Guaranteed return of premium feature1, 2 Since clients love the concept of return of premium … why not have your clients take a look at LifeCrest Index?

î Interest based on the performance of the S&P 500® Index Term insurance products may be a great fit for some of your clients, while others may be interested in a product that also builds cash value. With LifeCrest Index, premiums allocated to the Indexed Interest Account earn interest based on the performance of the S&P 500® Index. Your clients can participate in the upside of the market without the downside risk.

î Simplicity LifeCrest Index was designed with the middle market in mind. Unlike many other indexed universal life products, LifeCrest Index is simple and easy to understand. With only one indexed account and one sweep date, your clients will know the exact interest earned at the end of the year, without the need to understand complicated formulas.

î Low minimum face amounts LifeCrest Index offers face amounts starting at $25,000 and non-medical under $250,000.

1Benefits are guaranteed as long as all minimum required premiums are paid as scheduled. 2Return of premium feature and income bonus available at age 65 or after 20 years, whichever is later, but no later than age 80.

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Why Sell LifeCrest Index?

LifeCrest Index at a Glance

Issue Ages:

18 - 65, Non-nicotine 18 - 60, Nicotine Age last birthday

Minimum Face Amount:

$25,000 Standard $100,000 Preferred

Rating Class:

Preferred Non-nicotine Preferred Nicotine Standard Non-nicotine Standard Nicotine

Not available on a Substandard basis.

Sex Rating:

Male/Female

Death Benefit:

Level death benefit only

Premium Modes:

Annual, semiannual, quarterly, monthly bank draft

Riders Automatically Included:

Accelerated Benefit Payment Rider

Product Specifications

Application

Application Series 5098

Please note that the Life Application packet includes the application and Accelerated Benefit Payment Rider Disclosure. Additional forms may be required. Consult www.americo.com for applicable state forms.

No Lapse Guarantee

If the minimum (Target) premium is paid every year, the policy is guaranteed to remain in force for the life of the Insured.

No Lapse Guarantee Catch-up Provision

There is unlimited ability to catch up premiums, as long as there has been no prior lapse. The No Lapse Guarantee can be reinstated if the policy has been lapsed, as long as all back Monthly Target Premiums are paid.

Illustration Software

An NAIC illustration is required and must be signed at the point of sale. Because a disclosure is included in the illustration output, a signed disclosure is required in all states, except Florida. Illustration software is provided by Americo and illustrates the planned premium outlay required to preserve the coverage protection guarantee for a lifetime.

Non-nicotine Classification

Defined as no nicotine use of any kind in the last 12 months. This includes cigarettes, cigars, pipes, chewing tobacco, nicotine patches, or any other products containing nicotine.

Interest Credits

Each policy has one Indexed Interest Account, one Sweep Account, and one Declared Interest Account.

î The portion of paid premiums allocated to the Declared Interest Account goes directly into that account and begins earning interest at the Declared Interest Rate.

î The portion of paid premiums allocated to receive indexed interest credits goes directly into the Sweep Account and also earns current interest until it is swept into the Indexed Interest Account.

î Premium allocations may be changed by the policyowner.

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Indexed Crediting Account

The indexed crediting is based on S&P 500® Point-to-Point annual reset with a Cap. The Index Date/Sweep Date will be December 31 for all policies. Premium received through the second day prior to the Sweep Date earns current interest until the Index Date/Sweep Date. It then rolls into the Indexed Interest Account, together with renewal amounts that just received indexed credits. Premium received the day prior to the Sweep Date or later will not be swept until the subsequent Sweep Date. When a policy is terminated for any reason, no partial indexed interest will be paid.

Transfers

Transfers are allowed after the first policy anniversary. All transfers will occur on the Sweep Date (December 31 of each year). Transfers into or out of the Indexed Interest Account will occur after any indexed interest has been credited.

Interest Rate

The guaranteed minimum interest rate is 4% for the Sweep Account and Declared Interest Account. Interest at a rate of 1% will be credited to the Indexed Interest Account. The percentage increase in the index will be reduced by 1%, prior to applying the Cap.

Monthly Policy Charge

A per policy load of $5.00 is deducted monthly to age 120, current and guaranteed. A load per unit of specified amount applies for 10 years on a current basis, and to age 120 on a guaranteed basis. Unit load varies by risk class and issue age, with a separate scale for policies under $100,000. Guaranteed load may be higher in later policy years. No percent of premium load applies.

Return of Premium Feature

LifeCrest Index guarantees your client can surrender the policy to have 100% of their premiums returned, up to Target. This benefit is guaranteed as long as the Monthly Target Premium is paid as scheduled, and becomes payable based on issue age.

Issue Age Return of premium date

18 through 45 Attained age 65 46 through 60 20 years after issue 61 through 65 Attained age 80

The policyholder must surrender the policy within 30 days after this date to obtain the benefit. Any outstanding loan balances will be deducted. Otherwise, the policyholder may keep the policy in force and continue paying premiums to keep their death benefit guarantee intact.

In order to receive this benefit, total premiums paid, less any gross partial surrenders (including surrender penalties due to face decreases), must be greater than or equal to the cumulative Monthly Target Premium.

In addition to meeting the cumulative premium test, the test must be met every fifth policy anniversary from issue, until the return of premium date. Otherwise, the benefit is forfeited.

Return of Premium Feature Catch-up Provision

In the case of policy lapse prior to the return of premium date, this benefit can be reinstated if the policy has been lapsed for no longer than one year, as long as all back Monthly Target Premiums are paid.

Guaranteed Income Bonus

A bonus of 5% of settlement value will be available beginning at the Target Date, if the policy is surrendered into a settlement option taken over at least 10 years. Bonus not payable on death benefit.

Client Materials We offer you a full range of client-approved materials to assist you in the sale. You can order or download these materials from www.americo.com.

î Brochures î Client video î Pre-approved prospecting letters î Pre-approved advertising î Sales Solutions

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Decreases in Coverage

Decreases in coverage may be made after the first policy year. The remaining face amount must not be less than the minimum face amount allowed by the contract. Decreases in the face amount result in a pro-rata Surrender Charge, which will be deducted from the Accumulation Value Account. This pro-rata charge will equal the Surrender Charge on the effective date of the decrease applicable to the reduction in the face amount. The Surrender Charges, after reduction, will be reduced proportionately by a one-time pro-rata charge.

Partial Surrenders (Withdrawals)

LifeCrest Index policies may be surrendered at any time for the Cash Surrender Value. Surrender Charges apply for the first 15 years. Decreases in the face amount and Partial Withdrawals will be assessed a Partial Surrender Charge.

A Partial Surrender Charge is a percentage of the Surrender Charge equal to the percentage reduction in the face amount, but in no event less than $20. Partial surrenders must be at least $500, with one partial surrender allowed per policy year, after the first policy year. Partial Surrenders will reduce the face amount by the amount of the partial surrender, excluding the partial Surrender Charge. The remaining face amount must not be less than the minimum face amount allowed by the contract.

Partial Surrenders can result in a termination of the lifetime guarantee and return of premium feature, until the Partial Surrender is repaid, including any Surrender Charges.

Accumulation Value

The Accumulation Value is the sum of premiums paid, less any Monthly Expense Charges, Cost of Insurance charges, and Partial Surrender Charges, plus interest.

Cash Surrender Value

Cash Surrender Value is defined as the Accumulation Value, less any applicable Surrender Charges, and any outstanding Policy Loan balances.

Preferred Policy Loans

A preferred Policy Loan for up to 15% of the Cash Surrender Value, may be taken once each policy year after:

î the 10th policy anniversary, if the Insured was age 55 or younger on the original Policy Date;

î the Insured’s 65th birthday, if the Insured was 56 to 60 on the original Policy Date; or

î the fifth policy anniversary, if the Insured was age 61 or older on the original Policy Date.

Interest charged on preferred Policy Loans will be 3.85% in advance (4.00% annual effective rate) on a guaranteed basis. Interest will be credited at the guaranteed minimum interest rate of 4.00%, creating a zero net cost loan.

Non-preferred Policy Loans can be taken after the first policy year and whenever there is a positive Cash Surrender Value. Interest charged will be 5.66% in advance (6.00% annual effective rate) and credited at the minimum guaranteed interest rate of 4.00%.

Accelerated Benefit Payment Rider

The Accelerated Benefit Payment Rider is added to every issued LifeCrest Index policy at no additional cost.

With this benefit, if the policyowner is diagnosed with a qualifying terminal illness that is expected to result in a life expectancy of 12 months or less (24 months in some states), Americo will advance up to 50% of the death benefit payable under the policy. The benefit will be reduced by the amount of any outstanding Policy Loans, and will not exceed $250,000. The minimum acceleration benefit is $10,000. A one-time administration fee of $250, plus interest, may be assessed with payment.

This accelerated benefit will be treated as a lien against the policy and will accrue interest on the full amount of the acceleration. Only one acceleration per policy is permitted.

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New Business InformationCompleting the application

îPrint clearly and use black ink.

îAnswer all questions thoroughly.

îMake sure that you have all of the required forms for your product and state.

îNote special requests such as effective date, draft date, save age, issue family members together in the Agent Comments section of the application.

îDouble-check for correct signatures, agent number, and dates.

îThe Payor section of the application is not necessary, unless the Payor is different from the owner or insured.

Fax your application îUse the Americo Fax Application Transmittal Form

(#AFSFAX2002)

îAttach the application, additional required forms and a copy of the premium check or EFT form

îFax to: 800.395.9261

îIf you provide your fax number or email address on the Fax Transmittal form, you will receive a confirmation including the policy number, within three (3) business hours.

îPlease do not mail the originals.

Upload your applicationSubmit your business electronically to Americo’s secure site.

îIf your documents are not already saved electronically, scan and save them to your PC. We accept the following file types: .doc, .jpg, .pdf, .tif, .tiff, .bmp

îYou can upload five (5) documents at a time, with a maximum size of 10 megabytes.

îThe name of your documents must be 45 characters or less.

îLog on to www.americo.com and click on the “Upload Documents” link on the lower left side of the home page.

îFollow the easy instructions.

îYou can also upload outstanding requirements for existing pending business. Please make sure to write a policy number on the document.

Forms of Payment îPlease do not send cash or partial premiums.

îAmerico will accept cashier’s checks, but NOT money orders.

îWe cannot process premium checks that are postdated, backdated by more than six months, or improperly endorsed. Please make sure the policy number, if you know it, is on any check sent to Americo.

îPersonal checks written by the agent, on behalf of the applicant, will not be accepted.

Drafting for premiumAmerico will draft for initial premium.

îIf outstanding requirements are not received on a timely basis, or if you request a future effective date, we will draft for the first and second month’s premium.

îIf a third month is required, we will call you for approval.

îDrafting is not available on the 29th, 30th, or 31st of any month.

îIf your client requests a specific draft date, please write it in the Agent Comments section of the application.

îThe draft date and the effective date will always be the same.

îIf no specific draft date is requested, the first draft will be submitted the day the application is approved and issued.

îSome clients may prefer to write a check for the initial premium and then provide the Bank Draft Authorization form (AF55019) for monthly drafts. If this is the case, please provide a copy of the initial premium check with application, if you fax or upload your documents. This will prevent us from drafting for the initial premium.

îAmerico will draft from a checking or savings account as follows:

Checking accounts – include voided check

Savings accounts – must include a pre-printed deposit slip

Or, complete Americo’s Bank Draft Authorization form (AF55019) for either type of account.

Please remember to explain the drafting process to your clients when taking an application. This will lead to fewer drafts being returned and fewer complications for you and your client.

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Important Note Regarding Americo’s Underwriting Standards

The following information is a subset of Americo’s underwriting guidelines and does not reflect the full underwriting standards of Americo. Because Americo’s underwriting guidelines are extensive and cannot be condensed for practical field use, this information provides a list of common factors for agent consideration when screening clients for Americo products. The information provided is to assist you in understanding the guidelines used by Americo when reviewing applications. These are guidelines only. Each case underwritten by Americo is unique and all factors from all sources are taken into consideration before a final underwriting decision is made. Each application is reviewed based on the circumstances and conditions contained therein and may involve additional requirements. The underwriting staff at Americo reserves the right to deviate from these guidelines as may be appropriate for the proper underwriting of any case. This information and the full underwriting guidelines used by Americo are subject to change.

Insurable InterestThe first step in assessing life insurance risk is establishing insurable interest, which must be determined before the life insurance policy is approved. An insurable interest exists when the Owner (sometimes referred to as the Applicant) is likely to suffer some financial loss or detriment if the insured dies.

Most often, life insurance contracts are written naming the Insured as the Owner of their own policy. In this situation, the Insured is said to have an unlimited insurable interest in their own life. Other close personal relationships may also have an insurable interest in the life of the Insured and are able to apply for and own life insurance on another individual. Some of these personal relationships include:

îSpouseîParent (of minor children)îChild, Brother, or Sister (in some circumstances)îGrandparents (with parent permission)îLegal Guardian and Conservator (with accompanying

court documentation)

Certain Business and Financial relationships may represent special instances of limited insurable interest as well. The purpose of the insurance may also be accomplished by the way the beneficiary designation is written.

Some examples of these situations are:

îCreditor (the amount of insurance must not exceed the indebtedness)

îKey Person (the general rule for the amount of insurance is no more than five times the proposed insured’s annual income)

îPrincipal stockholdersîEmployer to key employee

îBusiness partnerships

Ownership in all cases must be prudent and reasonable. Examples of questionable ownership would be:

îApplication requests owner to be the parent of an adult, married, proposed insured without reasonable explanation.

îApplicant requests owner to be the adult child of an adult proposed insured without reasonable explanation.

If proper insurable interest has been established, beneficiary designations on the application are generally acceptable as written. Usually, if the Insured is the Owner of their own policy, they are free to name a beneficiary with few restrictions. Please contact Underwriting if you have questions.

QuestionnairesQuestionnaires are available on Americo.com and may be used for life insurance applications. Some questionnaires are state specific and may have another form number. The following questionnaires are available:

îAlcohol UsageîArthritisîAviationîBack DisordersîBusiness InsuranceîChest PainîDiabeticîPrescription Medication & Drug UseîEpilepsy / SeizureîHigh Blood PressureîMilitaryîSports ActivitiesîTumorîNervous DisordersîResidence & Foreign TravelîRespiratory DisordersîCoronary Disease

îPersonal Financial

Health Changes During UnderwritingAny change in the health of the proposed insured that occurs after the original application date, but before coverage

General Underwriting Information

*Maine Residents: Minimum face amount through $99,999 requires saliva testing. Agent must be certified to collect saliva specimen and complete a brief training program.

APS - Attending Physician Statement, HOS - Home Office Specimen, ECG - Electrocardiogram. Prescription history may be required.

Amounts 18 - 40 41 -65

$0 - 250,000 Non-medical*, Prescription History

$250,001 - 500,000 Paramed Exam, HOS, Blood Profile

$500,001 - 1,000,000Paramed Exam, HOS,

Blood Profile

Paramed Exam, HOS, Blood Profile,

APS for ages 56+

$1,000,001 - 3,000,000Paramed Exam, HOS, Blood Profile, ECG, APS,

Inspection

Over $3,000,000MD Exam, HOS, Blood Profile, Treadmill ECG, APS,

Inspection

becomes effective, must be reported to Americo. Provide detailed information regarding the health change directly to Underwriting through the Agent Contact Center.

Medical Check-UpsWhether the medical check-up is for periodic wellness exams or symptomatic in nature, it is important to provide complete details on the application. You should list the reason for the exam, date, and results of the check-up for all proposed insureds. Always provide the name, address, and telephone number of the attending physician or medical facility. If there is a patient identification number such as a Kaiser Permanente number, please include that information on the application as well.

Military GuidelinesActive military personnel must complete a Military Questionnaire and submit it with the application for insurance. If deployment orders are pending, or have been received (verbal or written), please indicate the location of the next duty site for underwriting consideration.

Please note, agents are not permitted to sell Americo products on military bases.

In the event of any future military conflict, these guidelines may be discontinued.

Foreign Nationals and Foreign TravelCoverage is not available for foreign nationals visiting, those temporarily residing in the United States, or individuals not residing legally in the United States. Consideration may be given to noncitizens who have established legal, permanent residency in the United States and are applying for citizenship. Any applicant who is not a U.S. citizen must reside in the United States for a minimum of one continuous year prior to application and have no significant medical history that would require medical records from a foreign country. One of the following documents must be submitted with the application. No exceptions will be made.

îCopy of the applicant’s Green Card or Permanent Visa (B1 - B2 Visas not acceptable)

îCopy of U.S. Citizenship and immigration Services Form I-551

Underwriting reserves the right to use any and all information developed in making a determination of eligibility under these guidelines.

Foreign Residence and Travel – United States citizens making short trips (4 weeks or less) out of the country for business, pleasure, or educational purposes are usually acceptable risks,

depending on their destination. Please complete a Residency and Foreign Travel Questionnaire for applicants who anticipate future foreign travel and submit it at the time of application. The Foreign Travel Questionnaire is not required in all states. Please contact your underwriter to determine which states do not require this information and form.

LifeCrest Index Underwriting InformationLifeCrest Index has two underwriting classes available (Standard and Preferred). When applying for Preferred rates, closely review the underwriting criteria within each class to ensure the applicant qualifies.

Standard UnderwritingMedical Requirements

Underwriting Resources

Non-Medical

It is important to secure an accurate medical history, asking all health questions and providing the answers in the space provided on the application. In every case, please provide the name, address, and telephone number of the applicant’s personal physician plus the date, reason and results of the last check-up.

Agent Collected SalivaThe saliva specimen is collected by the agent during the sale. The process is simple:

îYou must complete a brief training and obtain your certification. Please go to www.salivatraining.com. The entire process should take approximately 10 minutes.

îThe specimen is collected by you and sent to the lab in a special, postage-paid envelope provided in the saliva kit.

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îTo order your saliva kits or to ask any questions regarding the process, please contact Clinical Reference Laboratory (CRL) at ilscskits@crlcorp. When ordering saliva kits, include your name, address, phone number, and indicate you are with Americo. Once the order is placed, CRL will send an email confirmation.

Paramedical ServicesParamed services should be ordered by you. They will not be ordered by Americo. Paramed Companies will gather the following requirements:

îParamed Exam: The paramed will ask some medical questions and take blood pressure, plus height and weight.

îBlood Profile: Please advise the applicant that they should fast a minimum of 6 hours; however, for best results, it is recommended to avoid food for 10-12 hours. Applicants may drink water, tea, or black coffee (no sugar).

îHome Office Specimen (HOS): This is the collection of urine.

îElectrocardiogram (ECG) & Treadmill: The paramed company will complete these tests, or instruct your client where they can complete the tests.

Approved Paramed CompaniesîAPPS (American Para Professional Systems, Inc.)

800.635.1677, www.appsnational.com

îEMSI (Examination Management Services, Inc.) 800.872.3674, www.emsinet.com

Attending Physician Statement (APS)Reports will be ordered by Americo, at the discretion of the underwriter. In general, they will be ordered based on the amount of insurance, age, medical history, medical exam findings, or MIB results.

MD ExamThis exam must be completed by a physician who is state board licensed. Paramed companies will not complete this exam. A licensed MD or DO, including the applicant’s personal physician, may perform the exam. It is recommended that you contact one of the paramed companies listed above to determine if they have an MD on staff who can perform the exam and is located close to your applicant.

Medical Information Bureau (MIB)This is a database that houses medical information on individuals. Americo will run an MIB report on all applicants. The results may cause us to request additional requirements, which may affect our underwriting decision.

Substituting Medical RequirementsMedical requirements such as Examinations, Home Office Specimens, Blood Profiles, and ECGs from other insurance companies done within 180 days of the date of the application may be acceptable as substitutes. They must be of good quality and readily available. Home Office Specimens and Blood Profiles completed by a laboratory other than Clinical Reference Laboratory may need to be repeated, depending on the date and the extent of testing. Tests that do not meet minimum requirements under Americo guidelines may also need to be repeated.

Underwriting Build ChartHEIGHT LifeCrest Index (Unisex)

4’8” 74 - 1674’9” 77 - 1734’10” 79 - 1794’11” 82 - 1855’0” 85 - 1925’1” 88 - 1985’2” 91 - 2055’3” 94 - 2115’4” 97 - 2185’5” 100 - 2255’6” 103 - 2325’7” 106 - 2395’8” 109 - 2465’9” 112 - 2535’10” 115 - 2615’11” 119 - 2686’0” 122 - 2766’1” 126 - 2846’2” 129 - 2926’3” 133 - 3006’4” 136 - 3086’5” 140 - 3166’6” 143 - 3246’7” 147 - 332

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Prequalify for PreferredIt is recommended that you prequalify the proposed insured prior to quoting Preferred rates. A minimum face amount of $100,000 on the primary insured is required to be eligible for Preferred underwriting. Qualifying as a Preferred risk involves meeting the standard underwriting medical requirements, plus the following criteria:

The applicant must be an acceptable risk and meet all requirements in each criteria to qualify for Preferred rates. Applicants with medical histories involving diabetes, internal cancer or melanoma, coronary artery disease, or alcohol/drug abuse are ineligible. Driving history, family history, height and weight, as well as occupation and avocations (including flying) must be identified on the application. The applicant should also be questioned on blood pressure and cholesterol history prior to quoting Preferred rates. The applicant may be considered for Preferred rates with an aviation exclusion rider if they are a private pilot; military pilots are not eligible.

Be certain to review the proposed underwriting class and its requirements prior to presenting the sales illustration. If the applicant does not qualify for Preferred rates, the policy will be amended resulting in an increase in the premium proposed, or a reduction in the cash value account.

General InformationPreferred underwriting is a way to offer the insured, with better than average health, a lower than average cost of insurance. The applicant must be an acceptable risk and meet all requirements in each criterion to qualify for Preferred rates.

Applicants with medical histories involving diabetes, internal cancer or melanoma, coronary artery disease, or alcohol/drug abuse, as well as borderline rateable risks, are ineligible.

Driving history, family history, height and weight, as well as occupation and avocations (including flying), must be identified on the application.

Definition of Non-NicotineNon-nicotine means no use of cigarettes, cigars, pipe or chewing tobacco, nicotine gum, nicotine patches, or other products containing nicotine in the past year.

Additional Criteria for Preferred Underwriting

1. Driving historyî A motor vehicle report will be obtained. Include the

applicant’s driver’s license number and the state in which it was issued.

î The applicant must have no DUI (driving under the influence) or reckless driving convictions in the past five years.

î The applicant cannot have more than three moving violations in the last three years.

2. Family historyThe applicant must not have a family history of a death of a parent or sibling prior to age 60 due to:

î Cardiovascular Disease (such as heart attack)

î Cerebrovascular Disease (such as stroke or aneurysm)

î Diabetes

3. Blood pressure Ages Maximum Reading 18 - 40 140/80 41 - 65 140/85

Individuals being treated for hypertension, whose blood pressure average over the past 12 months, does not exceed the range shown above can be Preferred.

4. Cholesterol Ages Maximum Reading 18 - 65 250

The applicant’s cholesterol/HDL ratio cannot exceed 6.5. Individuals being treated for elevated cholesterol, whose controlled average for the past 12 months is within the range shown, are eligible for Preferred rates.

1. Driving history2. Family history3. Blood pressure4. Cholesterol 5. Nicotine use

6. Laboratory test results within normal range*

7. Height and weight (see build chart)

8. No ratable medical occupation or aviation risks

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Preferred Underwriting

Amounts 18 - 40 41 -65

$100,000 - 250,000Paramed Exam, HOS, Blood Profile

$250,001 - 500,000

$500,001 - 1,000,000Paramed Exam, HOS,

Blood Profile

Paramed Exam, HOS, Blood Profile, APS - ages 41-55 on

merit, 56+ all cases

$1,000,001 - 3,000,000Paramed Exam, HOS, Blood Profile,

ECG, APS, Inspection

Over $3,000,000MD Exam, HOS, Blood Profile, Treadmill ECG, APS, Inspection

Medical Requirements

Maine Residents: Minimum face amount through $99,999 requires saliva testing. Agent must be certified to collect saliva specimen and complete a brief training program.

APS - Attending Physician Statement, HOS - Home Office Specimen, ECG - Electrocardiogram. Prescription history may be required.

*Variance may be allowed on one lab value up to 10% deviation if all other factors are acceptable for Preferred.

5. Definition of non-nicotineDefined as no nicotine (cigarettes, cigars, pipe or chewing tobacco, nicotine gum, nicotine patches, or any other products containing nicotine) of any kind in the last 12 months.

6. Laboratory test resultsThe laboratory test results may deviate within 10% of the normal ranges, to be considered for Preferred rates. We recommend that blood be drawn after 10-12 hours of fasting.

7. Preferred height and weight

HEIGHT MALE WEIGHT FEMALE WEIGHT4'8" 90 - 125 78 - 1254'9" 93 - 130 81 - 1304'10" 96 - 135 83 - 1354'11" 100 - 140 86 - 1385'0" 104 - 150 90 - 1415'1" 107 - 155 93 - 1455'2" 111 - 160 96 - 1485'3" 115 - 165 99 - 1535'4" 118 - 170 102 - 1575'5" 122 - 175 105 - 1625'6" 125 - 180 108 - 1665'7" 128 - 185 111 - 1715'8" 131 - 190 114 - 1755'9" 135 - 195 117 - 1805'10" 138 - 200 120 - 1845'11" 142 - 205 123 - 1896'0" 146 - 215 126 - 1946'1" 149 - 220 129 - 1996'2" 153 - 225 133 - 2046'3" 157 - 230 136 - 2096'4" 161 - 235 139 - 2146'5" 164 - 240 142 - 2196'6" 169 - 250 146 - 2256'7" 173 - 255 150 - 231

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Single Impairment GuideMedical Condition Typical Underwriting

Action

AIDS Decline

Alcohol Abuse:

Recovered within 2 years Decline

Recovered within 2-5 years Decline

Recovered after 5 years Individual Consideration

With relapse Decline

ALS (Lou Gehrig’s Disease) Decline

Alzheimer’s Disease Decline

Amputations:

Accidental - fully recovered, working full time Individual Consideration

Associated with diabetes/vascular disease Decline

Kidney or bladder dysfunction Decline

Wheelchair bound Decline

Aneurysm:

Abdominal or Thoracic - no surgery Decline

Abdominal or Thoracic - with surgery after 6 months

Decline

Angina Pectoris (chest pain) Decline

Anxiety Acceptable

Atrial Fibrillation: Decline

with RF ablation, no reoccurrence after 3 months

Individual Consideration

Arthritis:

Rheumatoid/Psoriatic mild, working full time Individual Consideration

Disabled due to arthritis Decline

Methotrexate or steroid medications Decline

Asthma:

Intermittent medication use, seasonal flares Usually Acceptable

Well controlled, seasonal with allergies Decline

Steroid use Decline

Smoking Usually Decline

ER visit/hospitalization within last year Decline

Blood Clots:

Pulmonary Embolism/Thrombophlebitis DeclineCancer Decline

Cerebral Palsy Decline

Chronic Obstructive Pulmonary Disease (COPD):

Mild to moderate Decline

Moderate to severe Decline

With smoking Decline

Cirrhosis of the Liver Decline

Colitis:

IBS Acceptable

Ulcerative Colitis Decline

Crohn’s Disease Decline

Medical Condition Typical Underwriting Action

Concussion, after 6 months, no residuals Acceptable

Congestive Heart Failure Decline

Coronary Artery Disease:

Angioplasty (stent) or bypass Decline

Heart Attack Decline

Recurrent episodes, onset before age 40 Decline

Cystic Fibrosis Decline

Dementia Decline

Depression:

With no hospitalizations within 3 years, no more than 1 medication

Usually Acceptable

Otherwise or with alcohol abuse and/or narcotic pain medications

Decline

Diabetes Decline

Driving Record:

Adverse driving records will be underwritten on an individual application basis, subject to a motor vehicle report.

DUI/DWI - multiple or last occurred under age 25 Decline

Drug Abuse:

Marijuana, occasional use/not dailyUsually acceptable at Nicotine rates

Cocaine, Amphetamines, Street Drugs (within 5 years)

Decline

Cocaine, Amphetamines, Street Drugs (over 5 years)

Decline

Prescription Narcotics Decline

Emphysema (see COPD)

Epilepsy (obtain questionnaire):

Grand Mal attack within 6 months Decline

Grand Mal attack over 6 months Decline

Petit Mal attack within 6 months Decline

Petit Mal attack over 6 months Usually Acceptable

Fibromyalgia (not disabled, no narcotic pain medications) Usually Acceptable

Heart Attack (see Coronary Artery Disease)

Heart Bypass (see Coronary Artery Disease)

Heart Murmur:

Aortic Insufficiency Decline

Aortic Stenosis Decline

Mitral Regurgitation Decline

Mitral Valve Prolapse - no medications Usually Acceptable

Underwriting reserves the right to make the final determination based on all factors of the risk. p.13

Medical Condition Typical Underwriting Action

Narcotic Pain Medication Decline

with antidepressant medication or disabled Decline

Nephrectomy (kidney removal) (if due to cancer, see cancer section) Decline

Osteoporosis Usually Acceptable

Pacemaker Decline

Pancreatitis:

Acute, full recovery over 1 year Decline

Chronic Decline

Paraplegic:

Normal bowel and/or kidney functions Decline

Bowel and/or kidney functions impaired Decline

Parkinson’s Disease Decline

Peripheral Vascular Disease Decline

Polycystic kidney disease Decline

Polycystic kidney disease family history Decline

Psychosis Decline

Quadriplegic Decline

Rheumatoid Arthritis (see arthritis)

Sarcoidosis:

Current treatment or with residual lung impairment

Decline

Recovered over 1 year, no residuals Decline

Schizophrenia Decline

Skin Cancer (except melanoma) Individual ConsiderationSleep Apnea current successful treatment w/CPAP or BIPAP Individual Consideration

Stroke:

No residuals - over 1 year Decline

Multiple Strokes Decline

TIA (Mini Stroke) Decline

Suicide attempt over 1 year Decline

Thyroid impairments Usually Acceptable

Tuberculosis:

Current Disease/Treatment Decline

Positive Skin Test with treatment completed Usually Acceptable

Ulcer Acceptable

Ulcerative Colitis (see Colitis)

Underwriting reserves the right to make the final determination based on all factors of the risk.

Medical Condition Typical Underwriting Action

Heart Murmur:

Mitral Valve Prolapse - with medications Decline

Mitral Valve Replacement - mitral and aortic Decline

Heart Valve Repair:

Mitral, after 6 months Decline

Aortic, after 1 year Decline

Heart Transplant Decline

Hemophilia Decline

Hepatitis:

Alcoholic Decline

Hepatitis A with full recovery Acceptable

Hepatitis B Decline

Hepatitis C Decline

High Blood Pressure (hypertension):

Controlled Acceptable

Hodgkin’s Disease within 3 years Decline

Hodgkin’s Disease over 3 years Decline

Hysterectomy:

No cancer Acceptable

Cancerous Cause (see cancer)

Kidney Dialysis Decline

Kidney Removal (see Nephrectomy)

Kidney Transplant Recipient Decline

Kidney Transplant Donor Usually Acceptable

Leukemia (see cancer)

Liver Transplant Decline

Lou Gehrig’s disease (see ALS)

Lung Transplant Decline

Lupus:

Discoid Usually acceptable

Systemic Decline

Melanoma (see cancer)

Mental Retardation:

Mild and self sufficient Decline

Otherwise Decline

Multiple Myeloma Decline

Multiple Sclerosis:

Mild, employed full time, no medications Decline

Otherwise Decline

Myasthenia Gravis, diagnosed over 1 year Decline

Muscular Dystrophy:

Mild, not progressive Decline

Otherwise Decline

p.14

The following represents a partial list of prescription medications available that are considered uninsurable. For drugs not listed, please consult with your underwriter.

Prescription Drug Guide

Drug

AbarelixAbraxaneAlemtuzumabAnastrozoleAriceptArimidexBaracludeBasiliximabBumetanideBumexCampathCarboplatinCellCeptCetuximabChlorpromazineCladribineClofarabineClolarCombivirCoumadinCytarabineCytogam

Cytomegalovirus Immune Globulin Intravenous Human

DaclizumabDalirespDasatinibDelavirdine MesylateDelestrogenDemadex

Didanosine Delayed-Release Capsules - Enteric-Coated Beadlets

Didanosine Pediatric Powder for Oral Solution

DiucardinDonepezil HydrochlorideDuleraEfavirenzEligard

Drug

Emtricitabine

Emtricitabine and Tenofovir Disoproxil Fumarate

EmtrivaEnbrelEnfuvirtideEntecavirEntravirine TabletsEpivirEplerenoneErbituxEstradiol valerateExelonExelon PatchFludaraFludarabineFomivirsenFosamprenavir CalciumFoscarnet Sodium InjectionFoscavirFuzeonGalantamine HBrGeodonHividHumiraHydroflumethiazideInspraIntelenceInterferon alfa-2a, RecombinantInvegaInviraseIsentressKaletra CapsulesKaletra TabletsLamivudineLamivudine, ZidovudineLeukineLeuprolide AcetateLexiva

Drug

LeustatinLopinavir, Ritonavir CapsulesLoxapineLoxitaneLupronMannitol InjectionMaravirocMegaceMegestrol AcetateMellarilMemantine HCL

Methoxy Polyethylene glycol-epoetin beta

MilrinoneMycophenolate MofetilMycophenolic AcidMyforticNamenda

Narcotic Pain Medication (Daily)

NatrecorNeoralNesiritideNeutrexinNevirapineNorvirOrenciaParaplatinPlavixPrednisonePrimacor IVRaltegravir Tablets

Razadyne (formerly Reminyl)

Razadyne ERRemodulinRescriptorRetrovirRevatioRivastigmine Tartrate

Drug

Ritonavir Capsules, Oral Solution

Rivastigmine Transdermal System

Saquinavir MesylateSargramostimSelzentrySildenafil CitrateSimulectSpirivaSprycelStavudineSunitinib MalateSustivaSutentSyprineTabloid

Tamoxifen

Tenofovir Disoproxil Fumarate

ThioguanineTorsemideTreprostinil SodiumTrientineTrimetrexate Glucuronate InjTruvadaUrsodiolVidexViramuneVireadVitraveneWarfarinZalcitabineZenapaxZeritZidovudine

p.15

Americo Financial Life and Annuity Insurance Company300 W. 11th StreetKansas City, MO 64105

About AmericoFor over 100 years, Americo Life, Inc.’s family of insurance companies has been committed to providing the life insurance and annuity products you need to protect your mortgage, family, and future.1 We listen to what you want from an insurance policy or annuity and do our best to provide a proper solution for your individual situation.

Innovative thinking has helped us build a strong financial foundation for our business. Americo Financial Life and Annuity Insurance Company (Americo) is a member of the Americo Life Inc. family of companies. Americo Life, Inc., is one of the largest, independent, privately held insurance groups in the United States2 with $6.3 billion in assets for year-end 2016.3

1Americo Life, Inc. is a holding company and is not responsible for the financial condition or contractual obligations of its affiliate insurance companies.2“Admitted Assets, Top Life Writers-2016,” A.M. Best Co., as of September 2016.3Information is as of year end 2016 on a consolidated basis for Americo Financial Life and Annuity Insurance Company and the other life insurance subsidiaries of Americo Life, Inc., unless otherwise indicated. Information is prepared on the basis of generally accepted accounting principles (GAAP).

Important InformationAmerico Financial Life and Annuity Insurance Company is authorized to do business in the District of Columbia and all states except NY and VT.

LifeCrest Index (Policy Series 277) and Accelerated Benefit Payment Rider (Rider Series 2127) are underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. For exact terms and conditions, please refer to the contract.

The company reserves the right to contest coverage for up to two years due to any misrepresentations in the application. If the insured, sane or insane, dies by suicide while the contract is in force and within two years (one year in Colorado, Missouri, and North Dakota) after the issue date, the proceeds payable will be limited to the sum of premiums paid, less any indebtedness. See Missouri contract for special provisions regarding suicide.

Neither Americo Financial Life and Annuity Insurance Company nor any agent representing Americo Financial Life and Annuity Insurance Company is authorized to give legal or tax advice. Please consult a qualified professional regarding the information and concepts contained in this material.

Any illustrations of future value used in a sales presentation are provided only for illustrative purposes. Any such illustration must not be regarded as guaranteed or as estimated future performance unless it is based solely on the minimum guaranteed interest rates.

The policy does not directly participate in any stock or equity investments.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, “Standard & Poor’s 500”, and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Americo Financial Life and Annuity Insurance Company. This product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representations regarding the advisability of purchasing this product. The S&P 500 Index is a market-valued weighted price index which reflects capital growth only and does not include dividends paid on stocks.

Copyright Americo Financial Life and Annuity Insurance Company 2017.