Go-To Carrier: Americo Select

🔹 Why Americo Select?

• ✅ Best pricing for whole life coverage
• ✅ Easiest application process for agents and clients
• ✅ Strong compensation + bonuses
• ✅ 3-tier rating system based on health
• ✅ Pre-check tool available after entering the first 6 digit code of the app

Americo Select Ratings Breakdown

Select 1 – Best Rating

• ✔️ Day 1 coverage
• ✔️ Best option when the client is fairly healthy
• 🔁 This is the rating you want to aim for

Select 2 – Mid-Tier Rating

• 💸 Pricing is higher
• ⚠️ Often better to pivot to other carriers

🔄 Pivot Options if Americo goes Select 2:

• Mutual of Omaha (Only if you believe client is healthy and its more of an error)

Same price as select 1 but tougher E-app and can go to underwriting for 48 hours