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Iul (series 336) are underwritten by americo financial life and annuity insurance company (americo), kansas city, mo, and may vary in accordance with state laws. Americo strength flyer english (pdf) download. The indexed crediting rate applied is the index rate multiplied by the declared participation rate or. The instant decision term series from americo financial life and annuity insurance company allows you to customize coverage to fit your clients’ different needs.