Americo Financial Life and Annuity Insurance Company Reviews
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| Reviewed by Leslie Kasperowicz |
UPDATED: Jan 7, 2022
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Americo is a fiscal and insurance company focused on planning for the future. Their products are mainly life insurance and retirement related, with many simplified issue choices.
Continue reading our Americo Insurance Review.
What is Americo?
Americo began with the founding of the Ohio Land Life Insurance Company in 1906 and of Keen Southern Life Insurance in 1909. These companies, along with others caused over the years, formed Americo. Americo Life, Inc. is the belongings company that owns Americo Fiscal Life and Annuity Insurance Company, considered their lead company, along with others.
Americo products are sold across the country through independent agents, just the visitor headquarters is located in Kansas City, MO. Products include life insurance, annuities, and Medicare Supplement plans, with the main marketplace existence those who are looking to programme for retirement and concluding expenses. This makes the retirement age and senior markets their focus.
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What products does Americo offering?
Americo's products include last expense insurance, mortgage protection plans, and a pick of retirement planning products such as annuities. The website offers simply a general overview of the products bachelor.
Life Insurance
Americo writes term, whole, universal, and index universal life products. Their offerings include the option for simplified issues plans as well that exercise non require a medical exam. Death do good amounts start at $25,000 and go up to $400,000.
Final Expense life insurance plans are available with simplified issue starting at $2,000 and going upward to $xxx,000. These are aimed at older people who want to provide some assistance with concluding expenses and practise not need a large corporeality of insurance.
Mortgage Protection plans are term life insurance products offered with face values ranging from $25,000 to $400,000. At that place are a variety of riders available to customize the coverage on these plans.
Retirement Products
Americo offers a variety of annuity products for retirement income planning, including traditional fixed annuities. They also offer wealth transfer products designed to ensure your legacy goes where it should. The website has lilliputian in the way of detail about these products.
Medicare Supplement
Americo writes Medicare Supplement insurance policies, however, the website does not listing which products are offered. All companies writing these policies are required to have a base policy, known as Programme A in virtually states. Beyond this, Americo may offer a multifariousness of other options.
Are Americo rates affordable?
Americo does non offer the option of obtaining a quote online, nor is there further rate information offered. Rate quotes can and must exist obtained by contacting a local agent.
This process is non uncommon for an insurance company of this type, as the majority of their business likely comes through agents selling the products and through word of mouth. The website is non geared towards direct sales.
How are claims processed?
Americo claims are directed towards the authoritative offices. The website offers a phone number, fax number, and email address through which claims forms can exist requested.
The visitor's option to file a claim online is not bachelor and the website lacks information regarding the claims process.
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Are the ratings and consumer reviews positive?
Americo Life, Inc. has an A+ rating with the Amend Business Agency (BBB), and in that location have been 20 complaints filed in the past three years. Half dozen of those were closed in the by 12 months. This file is for the belongings company, and there are a number of dissimilar subsidiary companies. When considering an Americo policy, it'due south important to look at the subsidiary's reputation directly. There may non be separate BBB pages for each subsidiary – we were unable to locate i for the main company, Americo Financial Life & Annuity Company.
There are not many consumer reviews available for the visitor – over again this may be due to the many different subsidiaries. We did observe a few reviews on Yelp, mainly negative with ane very positive review.
What'southward the bottom line?
Americo is the type of company that receives much of its insurance business through agent sales, and then nigh customers are likely to come to them when an agent recommends a product directly. The information on this company and its offerings is minimal, which makes it hard to form an opinion. For those who prefer to select insurance with the assist of an amanuensis, Americo may make the list.
Source: https://www.expertinsurancereviews.com/americo-insurance-review/
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