Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Apr 28, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Americo Financial Life & Annuity Life offers term, universal, whole life insurance, and more
  • Americo Financial has a consistent “A” (Excellent) A.M. Best rating
  • Americo Financial term life insurance rates are as low as $19.95 a month

Finding the right life insurance coverage for you is challenging. With so many insurance companies and policies to choose from, narrowing down your options to the best insurance life companies is a task.

Americo Financial Life & Annuity offers life insurance, a Medicare supplement, multiple annuities, and more customers across the United States.

Before you learn more about Americo Financial Life & Annuity, enter your ZIP code into our free online tool to see what affordable life insurance rates are available to you right now.

What is Americo Financial Life & Annuity, and what products are offered?

Americo Financial Life & Annuity is a holding company based in Kansas City, Missouri.

Americo life insurance products include term, universal, and whole life insurance. Suppose you choose a term life insurance plan and do not use the coverage before it runs out. In that case, Americo Financial is proud to have products that automatically extend your coverage to a whole life plan without increasing your rates.

More than just life insurance, Americo insurance products extend to include retirement services, Medicare supplement insurance, and vision insurance.

Under its retirement services, Americo Financial offers two annuities: fixed indexed and multi-year guaranteed annuities. These annuity options are designed to provide safety, guarantees, and growth during the retirement and retirement planning process.

Americo Financial’s Medicare supplement insurance covers that which a Medicare plan does not. Specifically, this insurance plan covers deductibles and copayments/coinsurance.

Sometimes it isn’t easy to find good senior life insurance coverage, so annuities are a great option for seniors in need of financial planning for the future. Be sure to discuss your options with an insurance agent before making a decision.

The best way to find a life insurance policy and company that fulfill your needs is to compare life insurance companies. You will get a more rounded view and narrow your search down to the companies that are your best fit.

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What are Americo Financial Life & Annuity rates?

One of the things you should look at when comparing life insurance companies is their rates. It is essential to know that you are getting adequate coverage for what you pay in premiums every month.

Take a look at the table below for average Americo Financial Life & Annuity life insurance quotes.

Americo Financial Life & Annuity Life Insurance Average Monthly Male and Female (Non-Smoker) 20-Year Term Life Insurance Rates
AgeAverage Monthly 20-Year Term Life Insurance Rates (Male)Average Monthly 20-Year Term Life Insurance Rates (Female)
25$19.95$19.95
30$23.66$23.66
35$28.22$28.22
40$38.00$38.00
45$51.68$51.68
50$75.15$75.15
55$111.44$111.44
60$198.93$198.93
65$257.45$257.45
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We were unable to find Americo Financial’s whole life insurance rates, but it is safe to assume they will be more expensive than the term life insurance rates.

As you may know, your life insurance rates will hinge on a few different factors but specifically on your health and health history. This is why some have higher or lower life insurance rates than others.

Be sure to discuss your life insurance options with an agent to make sure you get the best coverage at an affordable rate.

How does Americo Financial Life & Annuity rate financially?

Financial rating platforms are invaluable when it comes to deciding on a company. They give you an idea of how financially reliable a company is so that you don’t have to figure it out the hard way.

Americo Financial Life & Annuity has an A.M. Best rating of “A” (Excellent) and consistently keeps that rating.

Another critical aspect to which you should pay attention is a company’s complaint reports. This helps you know where the company has fallen short and for how many times.

According to the National Association of Insurance Commissioners (NAIC), Americo Financial has a 0.72 complaint index score. With the National Complaint Index being 1.00, Americo’s score is below average – meaning it has fewer complaints than other companies.

Americo Financial Life & Annuity: Contact Info

Prospective Americo customers can contact the company at 888.220.7074 or request a form from the company’s website for more information.

Existing customers can reach Americo’s admissions office at 800.231.0801, by fax at 800.395.9238, or by email at [email protected]

Americo’s mailing address is:

PO BOX 410288
Kansas City, MO, 64141-0288

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What is Americo Financial Life & Annuity’s history?

Americo Financial Life & Annuity Life Insurance can trace its roots back more than 100 years. Currently, it is one of the most substantial, independent privately-owned insurance companies in America.

It consists of a family of companies, including Great Southern Life Insurance Company, United Fidelity Life Insurance Company, Investors Life Insurance Company of North America, National Farmers Union Life Insurance Company, and more.

Americo Financial is a company that prides itself on its ability to customize a solution to fit your life insurance needs best. Whether you need a basic life insurance policy or a retirement plan, Americo has plenty of options for you at an affordable rate.

If you want to compare more information about other life insurance companies, check out our other company reviews, including Banner Life Insurance and more.

Not yet ready to buy Americo Financial Life & Annuity Life Insurance? Compare local companies by entering your ZIP code into our free online tool for instant life insurance rates.