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Term and Universal Life Insurance Products to Help Fill Your Clients’ Needs


  • Term with 30-, 25-, 20-, & 15-year level premiums
    • Guaranteed for full term or 5 years
  • Universal Life with Cash Back Option1
    • 30-, 25-, 20-, & 15-year No-lapse Guarantee periods
  • Death benefits paid in monthly income payments with HMS Plus Payment Protector
  • Accidental Death Benefit product with ROP
  • Simplified Issue. Most policies are issued within days of submission2It is quick and easy to apply!
  • Mortgage Not Required
    • Unlike many competitors’ products, you do not need a mortgage to apply for HMS Plus​​​
  • Living Benefit Riders added automatically at no additional cost
    •  These benefits provide an accelerated death benefit, payable as a lump-sum, upon the occurrence of a qualifying event
  • Variety of Optional Riders
    • With so many available riders, it is easy to customize HMS Plus to fit almost any client need. Our most popular riders are the Disability Income Rider and Waiver of Premium.3

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1 If the No-Lapse Guarantee is in effect, at the end of the no-lapse guarantee period, the accumulation value of the policy will be at least as large as the total amount of premiums paid for the base policy, not including any premiums paid for riders.
2 Issuance of policy may depend upon answers to medical questions.
3 Riders not available in all states.

By completing this form, you authorize an insurance agent to contact you by phone, text, or fax at the phone number listed to provide automated and/or prerecorded advertisements. You are not required to sign this to purchase any product. This consent applies to all products currently or in the future marketed or sold by us. This authorization continues until it is revoked by you. 

Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY.
HMS Plus (Policy Series 287/296/297/301/302/303/310/396/397) is 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. Certain restrictions and variations apply.

For agent use only, Not for public use. 
18-026-1 (04/18)  ©Americo