Americo Financial Life Life Insurance Overview
By the Policy Help Desk Editorial Team · 2 min read
Updated September 30, 2026
Americo Financial Life is a life insurance carrier: Americo is the brand name for products underwritten by Americo Financial Life and Annuity Insurance Company, Kansas City, MO, which is authorized in the District of Columbia and every state except New York. Its published life insurance lines include term life, whole life, universal life and indexed universal life.
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(866) 673-3495Key Takeaways
- •The company publishes both temporary and permanent coverage: term, whole life, universal life and indexed universal life.
- •Coverage lasts for the selected term; renewal or conversion options depend on the policy. The carrier also publishes term products that extend to permanent coverage, or return the premiums paid if the coverage is never used.
- •Universal life and indexed universal life policies carry ongoing policy charges, so how a policy is funded affects how long it lasts.
- •The issuing company makes the underwriting decision and sets the premium; nothing on this page is a quote.
Life-Insurance Options to Compare
Term life insurance
Coverage for a set period. It pays only if death occurs during the term and builds no cash value.
Whole life insurance
Permanent coverage with a level premium and cash value that grows over time; premiums do not increase and the policy cannot be cancelled because of age or health while premiums are paid.
Universal life insurance
Permanent coverage with flexible premiums and cash value, subject to policy charges.
Indexed universal life insurance (IUL)
Permanent coverage with cash value credited by reference to a market index, within a floor and a cap set by the insurer.
These are the product lines the insurance carrier publishes. This is an overview, not an offer or a policy illustration — actual terms, availability and eligibility come from the issuing company and the policy itself.
What to Consider
Indexed universal life (IUL)
Index credits are limited by a cap and protected by a floor, so cash value does not track the index directly, and illustrated values are not guaranteed. Policy charges can reduce cash value.
Universal life insurance
Flexible premiums mean you can pay less in some years, but charges continue. An underfunded policy can lose cash value and lapse.
Term life insurance
Coverage lasts for the selected term; renewal or conversion options depend on the policy.
Questions Before You Apply?
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(866) 673-3495Frequently Asked Questions
What life insurance lines does Americo publish?
Its published lines include term life, whole life, universal life and indexed universal life. Terms are set by the issuing company, so confirm current details before applying.
Who makes the underwriting decision?
The issuing insurance company does. The application and any underwriting requirements decide whether coverage is issued and at what premium; nothing on this page is a quote.
Is anything on this page a quote?
No. This is an informational overview of the company and its life insurance lines. Premiums and eligibility are set by the issuing company after an application.
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(866) 673-3495Who You Are Calling
Policy Help Desk is operated by Greystone Insurance Group LLC, a licensed Florida insurance agency (License #L132255). Calls may be handled by Greystone Insurance Group LLC or by a licensed independent insurance agent who can discuss available coverage options.
The number on this page is Policy Help Desk's own contact number. Policy Help Desk is not Americo Financial Life's customer-service department. Availability of that company's products through the agent handling your inquiry depends on that agent's appointments, the product and your state.
Being included in this overview is not an endorsement of the company or its products by Policy Help Desk. Facts come from the sources listed above and were last verified September 30, 2026; they can change. Nothing here is an offer of insurance, a quote, or a statement that any applicant will qualify for coverage.