
Americo Life, founded in 1946 and headquartered in Kansas City, MO is a reputable life insurance provider known for its diverse portfolio of life insurance and annuity products. Americo focuses on offering flexible, affordable coverage designed to meet the needs of individuals, families, and small business owners.
Americo specializes in simplified issue and guaranteed acceptance life insurance policies, as well as indexed and traditional whole life plans. These options appeal to those seeking accessible coverage without the complexities of extensive underwriting, making Americo a popular choice for seniors, first-time buyers, and individuals with health concerns.
With a commitment to personalized customer service and financial strength, Americo has earned a solid reputation for reliability and responsiveness, providing clients with practical, long-term solutions for life insurance and financial protection.
Finding the right policy from a top-rated provider like Americo is simple with help from Fuego Financial.
Get your personalized quote today and protect what matters most.
Americo Financial Life & Annuity Insurance Company, the primary underwriting affiliate of Americo Life, holds an "A" (Excellent) rating from A.M. Best, one of the highest available. This rating, most recently affirmed on December 4, 2024, places Americo in the top tier (third out of 15 possible ratings) for financial strength
This superior rating reflects Americo’s strong balance sheet, disciplined capital management, consistent operating performance, and stability in managing risk. It underscores the company’s ability to fulfill its long-term insurance commitments and support policyholder obligations reliably
Overall, Americo’s A rating provides confidence to customers and partners alike that the company has the financial health and resilience needed to deliver on claims and maintain service quality over time.
Scores updated August 2025
- What products for Americo?
Americo is well-suited for individuals and families seeking flexible life insurance solutions from a financially stable company with a long-standing reputation. Offering a broad range of policies—including term life, whole life, final expense, and indexed universal life—Americo is an excellent option for both budget-conscious clients and those looking to build long-term wealth through life insurance.
Americo is ideal for people who want customizable coverage, competitive rates, and the security of working with a company that’s been serving policyholders for over a century. Whether you're a young professional planning for the future, a parent protecting your family, or a senior looking for final expense coverage, Americo provides practical options to meet a variety of life stages and needs.
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Like many life insurance providers, Transamerica may require a brief medical exam as part of the application process. While it might sound overwhelming, the exam is typically quick and straightforward—often taking less than an hour—and can be completed at your convenience, whether at home, at work, or at a local exam center.

At Fuego Financial, we partner with some of the most reputable life insurance providers in the country—like Americo—to give you access to top-tier coverage options.
In just minutes, we’ll compare policies and pricing to help match you with the right plan, the right insurer, and the right rate for your needs.
We’ve partnered with top-rated life insurance providers known for offering competitive rates across a wide range of health profiles—from individuals in great health to those with specific medical conditions or lifestyle factors.
Our team can guide you in finding the right coverage and the best-fit insurance carrier for you and your family’s unique needs.
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