Downloadable Guides

Life Insurance Buyer’s Guide

A comprehensive overview from the National Association of Insurance Commissioners (NAIC):

• Covers: What life insurance is, choosing coverage amount, types (term vs. permanent), questions to ask before buying.
  → Life Insurance Buyer's Guide

Consumer Guide to the Basics of Life Insurance

Published by the Florida CFO:

• Explains term and whole life in plain English, cash value, conversions, and policy features.
  → [Florida Consumer Guide to Life Insurance]

WI State Consumer’s Guide to Understanding Annuities

Created by the Wisconsin Office of the Commissioner of Insurance:

• Details deferred vs. immediate income, annuity types (fixed, variable), fees, payout options, and key contract terms.
  → [WI Consumer’s Guide to Annuities (PDF)]

Buyer’s Guide to Fixed Deferred Annuities

From the Louisiana Department of Insurance:

• Focuses on fixed deferred annuities with context on other annuity types, surrender periods, and costs.
  → [LA Consumer Guide: Fixed Deferred Annuities]

Final Expense Insurance Overview

Americo’s agent-facing brochure includes simplified descriptions ideal for clients:

• Covers final expense product features, riders, and underwriting highlights.
  → [Americo Final Expense Products at a Glance]