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Americo and its associated companies have been servicing insurance customers for over 100 years. It’s final expense or burial insurance plans are available as simplified issue or fully underwritten products. Death benefits range from $2,000 to $30,000. Americo guarantees its premiums and its benefits. Coverage will not be cancelled due to age or health. The company says that smokeless tobacco, pipe, or cigar users may qualify for non-smoker rates.

Can I add more final expense insurance later?

The ability to add to your final expense death payout depends upon your original insurance policy’s wording. You should contact your insurance company and have them send you the policy documents if you don’t already have copies. Typically, insurance companies do not allow additions to the death benefit if the policyholder has become seriously ill or if the policyholder’s chances of survival have decreased substantially since the policy was purchased. Your ability to add to your death benefit will vary based on your individual situation and your insurance company. You should contact your insurance company for further information.

How do I obtain a life insurance quote?

The fastest way to obtain a quote is via the website of your preferred insurance company. You will need to sign up for a website account, which involves providing the company with your personal information. This information will include your full name, your address, your phone number, and other basic necessities. You may also be asked to fill out a health-related questionnaire. Since most insurance companies do not require medical exams for burial insurance, this questionnaire is how they determine your qualifications and, in some cases, your premium payments. Premium rates depend on your age, your sex, your location, the type of policy you desire, and a number of additional factors.

How do I find the most affordable rate?

Finding the most affordable rate requires research. You should start by contacting all of the insurance companies in your local area and obtaining a quote from each one. You should also contact national companies, either on the internet or via their 1-800 telephone numbers. You can also visit local insurance offices if you’d like to obtain a quote by speaking to a licensed agent in person.

How to get started

If you are already an Americo insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote and start the application process on Americo’s website. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – A, Stable outlook
Moody’s – Not rated
Standard & Poor – Not rated

Company contact info

Americo Financial Life and Annuity Insurance Company
PO Box 410288
Kansas City, MO 64141-0288
(800) 231-0801