American Amicable — Gameplan Financial Carrier Hub

American Amicable

Flagship Carrier • Senior Choice Final Expense + Broad Term/UL/IUL Portfolio
Final Expense • Term • UL • IUL • RX Guides
Overview & Product Grid

Carrier Information

Positioning: Robust FE (Senior Choice) + versatile Term line (TMS, Home Protector, SafeCare) + simplified UL/IUL options.
UW Experience: Simplified issue workflows with MIB/Rx checks; selective tele-interview; strong rider toolkit.
Compliance: State variations apply. Use state packet & edition codes from the resource folder each case.
Final Expense Core: Senior Choice with Immediate, Graded, and Return of Premium plans, age/face bands tailored for seniors.
Beyond FE: Term Made Simple, Home Protector (level term), SafeCare Term (LB focus), Express UL (no-lapse period), Intelligent Choice IUL.
Sales Support: 800-736-7311 Broker Portal: americanamicable.com

Senior Choice — Final Expense (Whole Life)

Immediate • Graded • Return of Premium Simplified Issue Ages 50–85
Plan Designs
Immediate DB
Level benefit, 100% of face amount paid immediately (all years) for non-accidental death.
Graded DB
Pays 30% of face in year 1, 70% in year 2, then 100% from year 3+. Accidental death 100% all years.
Return of Premium
Returns premium + 10% interest for 3 years if < 65, 2 years if 65+; then 100% thereafter. Accidental death 100% all years.
Issue Ages
50–85 (age last). Minimum DB $2,500 ($5,000 WA).
Face Max
Immediate: 50–75 up to $35,000; 76–85 up to $20,000. Graded/ROP: up to $20,000.
Riders & UW Signals
Included: Terminal Illness ADB (all plans); Confined Care ADB (Immediate plan).
Optional: Accidental Death; Nursing Home Waiver of Premium (Immediate plan); Children’s Insurance Agreement ($3k–$6k units); Grandchild Rider (also great-grandchildren).
Knockouts: “Yes” to early health questions (1–3) = not eligible. MIB/Rx checks used; tele-interview possible based on signals (ROP typically no interview).

Term Made Simple — Level Term to Age 95

Simplified Issue 10 • 15 • 20 • 30 Year Level Premium
Highlights
Designed for quick coverage decisions with competitive bands across 10/15/20/30-yr terms.
Broad rider menu: Terminal & Chronic Illness ABR, Confined Care ABR, Critical Illness, Accidental Death, Total Disability options (state-specific).
Issue Ages (examples)
30-yr level premium commonly to about 18–55; 20-yr often to 18–65; 10-yr to 18–70 (see guide for exact state grids).
MIB/Rx data sources; tele-interview as triggered. Use edition codes per state packet.

Home Protector — Level Term

Mortgage Protection Level to 20/25/30
Overview
Level term to age 95 with 20/25/30-yr level premium periods; ROP versions available by term band.
UW bands include standard simplified checks; confirm ages (e.g., 20-yr ROP up to ~60; 30-yr up to ~55 per guide).
Common Riders
Terminal/Chronic ABR, Accidental Death, Waiver/Disability options. See state grid.

SafeCare Term — Living Benefits

Level Term Terminal • Chronic • Critical ABRs
Positioning
Term protection with accelerated benefits for Terminal, Chronic, and Critical Illness (state approval varies).
Great fit for middle-market clients wanting LTC-style access via ABRs without full UL/IUL complexity.
UW & Admin
Simplified issue with MIB/Rx; tele-interview as needed. Use correct disclosure forms for ABRs.

Express UL — Flexible Premium UL

Simplified UL No-Lapse Guarantee (early years)
Highlights
Flexible premium UL with an early No-Lapse Guarantee (e.g., first 15 policy years per guide reference).
Suitable for clients wanting permanent protection and premium flexibility without full IUL complexity.
UW Notes
Simplified checks (MIB/Rx). Verify issue ages and minimums on the state approval grid in the packet.

Intelligent Choice — Indexed UL

IUL Index Strategies ABR Options
Overview
Index-linked crediting with policy charges, caps/pars/spreads per brochure. Focus on protection + accumulation.
Living benefits ABRs (Terminal/Chronic/Critical) available in many states; confirm availability.
Field Tips
Ensure compliant illustration delivery; verify suitability and replacement forms in the state packet.

RX & Field Underwriting — Tools

Prescription Cross-Check Tele-Interview MIB/Rx
RX Reference
Use the Prescription Reference Guide in the resource folder to spot meds that imply knockouts or grading.
Common red flags for FE: oxygen therapy (non-CPAP), dialysis, dementia/Alzheimer’s, recent/active cancer treatment.
Submission Tips
Complete all yes/no health questions thoroughly; tele-interview only when triggered (ROP often waived).
Always select correct state forms & edition codes; align riders to state approvals.
SafeCare Term
American Amicable — SafeCare Term 10 / 15 / 20 / 30 Year Term ROP on 20 & 30 POS e-App

What is SafeCare Term?

SafeCare Term is a simplified-issue level term plan with 10, 15, 20, or 30-year level premiums to age 95. ROP options on 20 & 30. Point-of-Sale e-App provides near-instant underwriting decisions.

When to Use It
  • Fast income replacement coverage.
  • Mortgage protection aligned to payoff horizon.
  • Budget buyers comparing ROP vs Non-ROP.
  • Simple e-App process with quick POS results.
Face Amounts

$25,000 – $500,000 (policy fee $70).

Issue Ages
  • 10y: 18–75
  • 15y: 18–70
  • 20y: 18–65 (ROP 18–60)
  • 30y: 18–55 (ROP 18–50)
Underwriting Snapshot
  • Simplified Issue: MIB, Rx, MVR; APS if needed.
  • No labs/parameds up to $500k.
  • Phone interview: required age 65–75 or if flagged.
  • Classes: Preferred NT, Standard NT, Tobacco.
Quick Process (for new agents)
  1. Pre-screen: confirm age/build/amount within simplified guidelines.
  2. Quote: compare 10/15/20/30 with ROP options.
  3. Submit e-App: sign on screen/voice/email options.
  4. POS Decision: approved, needs interview, or declined.
  5. Place policy: set draft date (SS date drafting available).
Watch-Outs
  • Diabetes with complications or insulin before 35 → decline.
  • Recent MI, CAD, COPD, stroke/TIA, cirrhosis, dialysis → decline.
  • Severe mental health or active substance abuse → decline.
  • No 3rd-party payors unless spouse or business.
OBA Group Level Term
Group Level Term

OBA Group Level Term to Age 70

Simplified-issue group level term to age 70 for broad middle-market coverage. No policy fee. Level premium for 10 years with 10-year renewals (to age 70), plus non-medical conversion to WL/Endowment during the first 10 years. Not guaranteed issue.

Issue Ages 18–65 Simplified UW (Std to Tbl 4) No Policy Fee 10-Year Level Convertible (first 10 yrs)

Eligibility & Face Amounts

  • Issue Ages: 18–65 (age last)
  • Target Markets: Government, First Responders, Education, Railroad, Medical, Airline/Travel, Professional Associations/Labor Unions, certain U.S. territories, and spouses of eligible individuals
  • Coverage Options: $50,000 • $100,000 • $150,000 • $200,000
  • Maturity: Attained age 70
  • Renewability: 10-yr level at issue; renewable each 10 years at attained age until 70
  • Conversion: Any WL/Endowment offered at time of conversion, up to current face, within first 10 yrs (no evidence of insurability)
$50k $100k $150k $200k

Quick Premium Example

Illustrative monthly premium path for OBA:

ProfileAt IssueRenewals
Male • 40 • NT • $100,000 $19/mo Age 50: $48 • Age 60: $60

Premiums vary by age, tobacco class, and face amount.

Optional Riders (State Variations)

  • Dependents Insurance Coverage Rider (Form 9833): Decreasing term on spouse + AD&D; children covered to age 23. Units priced per family; number of units allowed tied to base face amount.
  • Children’s Insurance Agreement (Form 9834): 15 days–17 yrs; up to five units ($3,000 per unit), level to age 23 with conversion up to 5× rider coverage.
Family Rider Children’s Term

Underwriting & Interview

  • Simplified UW: App questions, MIB/pharmacy check; liberal build chart; standard through Table 4.
  • Phone Interview: Required based on age/face (allowed point-of-sale). English: 833-587-0375 • Spanish: 833-587-0376 (Mon–Thu 7a–11p, Fri 7a–9p, Sat 8a–4p CT)
  • Build Guide: Eligibility based on min/max thresholds; over Table 4 or under minimum weight is ineligible.
MIB & Rx Phone Interview Build Chart

Billing / Drafting

  • Bank Draft: First draft at approval or requested day; initial draft ≤ 30 days from signed date.
  • eCheck (CWA): Immediate 1st premium draft via eCheck (Form 9903) at submission.
  • Social Security Sync: 1S / 3S / 2W / 3W / 4W codes for drafting on benefit dates.
Monthly Draft eCheck SS Pay Sync

Support & Contacts

  • Main: (800) 736-7311 (prompts for Contracting, Commissions, Client Experience, Agent Support, Supplies, Helpdesk)
  • Live Chat: Agent portal > Marketing Sales
  • Hours (Central): Live Chat 8:00a–4:45p • Phone 8:00a–4:00p (M–F)
  • Address: 425 Austin Ave, Waco, TX 76701

Agent Guide for Agent Use Only. State availability varies.

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