Does Your Insurance Give You Money Back?

We have cash back coverage options just for you

Everyone knows that life insurance is purchased in the event of an untimely death. Many of us will die without having paid off our homes. When there is a mortgage on our home when we die, no matter how small, the bank still owns the home, and without a way to replace your income for the payment, your family could lose this valuable asset. 

This is why Americo Financial Life and Annuity Insurance Company offers Home Mortgage Series Cash Back Option coverage. Americo’s Universal life insurance products are designed to help pay off your home or make your mortgage payments if you die. Best of all, if you outlive the term period, you can receive your money back! 

  • Available in 30-, 25-, 20-, and 15-year Cash Back Option periods to match your mortgage length. At the end of the period, you can receive up to 100% of your initial base premiums back.¹

  • Receive an instant underwriting decision. You’ll know if you are covered right away.

  • Easy process! Just answer a few simple medical questions on the application²

Here’s how it works:

Joe is a 30-year-old male, non-smoker, who purchases a $150,000 policy with a 30-year Cash Back Option period. His monthly premium payment is $78.75. At the end of the 30-year period, the cumulative premium paid and the guaranteed accumulation value are both $28,350. If Joe chooses to terminate his coverage at the end of year 30, he will receive a $28,350 lump sum cash payment!


¹If the Enhanced Surrender Value Benefit (Cash Back Option benefit) is in effect at the end of the Enhanced Surrender Value Period, the surrender value of the policy will equal either 100% or 50% of the total amount of premiums paid for the base policy, not including any premiums paid for riders.
²Issuance of policy may depend upon answers to medical questions. No guarantee issue.

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY. CBO 100 and CBO 50 (Policy Series 325) are underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Some riders are optional and available for an additional cost. 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.

18-037-1 (02/21) © Americo

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