American Home Life

Patriot Series • Final Expense (Level & Modified)
Final Expense • Riders • State Packets

Carrier Information

Brand: Patriot Series Final Expense
Focus: Simple, predictable FE coverage with Level & Modified plans
Financial Snapshot: See current agent materials for latest ratings & disclosures
Portfolio: Final Expense WL (Level & Modified) with optional riders; separate Medicare Supplement portfolio
Submission: Paper/State packets; FE underwriting guide & disease matrix support pre-screening
Sales Support: 800-259-0468 Broker Portal: amhlifeco.com
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Patriot Series — Final Expense

Whole Life Simplified Issue Level & Modified Plans
Product Overview
Plans
Level Benefit (immediate DB) and Modified (graded DB). Accidental death typically pays full DB immediately.
Issue Ages
40–89 overall band. Modified not available at older ages (e.g., 76–89).
Face Amounts
Minimum $2,500. Max by age: 40–55: $50k • 56–65: $40k • 66–75: $30k • 76–89: $25k.
Premiums
Guaranteed level premiums; lifetime coverage (WL).
Grading (Modified)
Non-accidental death: return of premium + interest (e.g., 110% years 1–2), then full DB year 3+.
Included / Optional Riders
Accelerated Death Benefit (Terminal)
Accidental Death Benefit
Children’s Term Rider: Ages 31 days–17; units of $2,500 (max $10k); coverage to age 25; ~$7.50 annual per unit.

Field Underwriting — Disease Matrix

Knockouts Modified vs. Level
Likely Declines
Decline Oxygen use (non-CPAP), dialysis, ALS, dementia/Alzheimer’s, metastatic/recent cancer, HIV, organ transplant, advanced CHF.
Modified vs. Level
Modified Stroke/TIA recent, cancer within look-back, insulin w/ complications, COPD w/ flare-ups.
Level Controlled HTN, cholesterol, build within chart, non-insulin diabetes (well managed).

Quick Quote Guardrails

Build Tobacco Confinement
Build & Tobacco
Build chart defines Modified vs. Decline thresholds.
Tobacco/Nicotine status impacts premium class; verify quit dates if applicable.
Application Flags
Current confinement (hospital, nursing home, hospice) = knockout.
Rx check: insulin + complications, oncology meds, oxygen — likely Modified/Decline.

Admin & State Packets

Applications Payments Disclosures
What’s Inside
Apps
Level vs. Modified apps by state; verify edition codes.
Payments
Bank draft forms, initial premium guidance.
Disclosures
Buyer’s guides, replacement forms, state notices.
Submission Tips
Match rider availability to state approvals.
Double-check face max per age band (40–55 $50k; 56–65 $40k; 66–75 $30k; 76–89 $25k).

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