Double Your Coverage - Marketing Index File

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MAKERSEXAMPLEA male age 32, preferred plus, wants to buy $300,000 of term insurance to his planned retirement at 67. Heopts for AG ROP Select-a-Term at an annual premium of $705 3 because it offers the flexibility of several optionsat retirement. The policy will provide a return of premium benefit of $24,675 if he survives and maintains thepolicy to retirement at age 67.DEATH BENEFITExample: Male, Age 32, Preferred PlusANNUAL PREMIUMYEAR 35 CASHVALUEYEAR 35 RPUAMOUNT$300,000 $705 $24,675 $51,816This plan provides a $300,000 term death benefit to retirement at age 67, protection when the client needs itmost. Furthermore, it provides over $51,000 of guaranteed paid-up coverage to age 95 if the client survivesand maintains the policy for 35 years. Enough to meet final expenses and some other cash needs at death.And, if the client changes his mind at retirement, he can take the return of premium cash benefit in lieu of theongoing final expense coverage or select one of the other options.The bottom line is your client can buy one plan guaranteed to meet two needs — family protection untilretirement with the option for final expense coverage into retirement. If you are not selling both plans youare “short-selling” AG ROP Select-a-Term. Increase your sales by selling the whole package. NOTE: If theRPU option is elected, the clients will NOT receive funds at the end of the level term premium period, ANDthe life insurance coverage will terminate at age 95. In New York, the endowment at the end of the level termperiod is reduced. See policy for details. Client and his/her independent life insurance advisor should carefullyconsider the consequences of electing this option.3 Premium rates current as of March 9, 2009; rates may vary by state. Premiums available for other rate classes, ages and payment plans. Premiumcharges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if policy is renewed. Death benefit remains level.Issued by:American General Life Insurance Company2727-A Allen Parkway, Houston, Texas 77019Policy form numbers 07007, 06001The United States Life Insurance Companyin the City of New York70 Pine Street, New York, New York 10270Policy form numbers 09007N, 08701NThe underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) or The United States LifeInsurance Company in the City of New York (USL) are the issuing insurer’s responsibility. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states.Guarantees are subject to the claims-paying ability of the issuing insurance company.American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American InternationalGroup, Inc., including AGL and USL.Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in that state. Ifuncertain, contact your American General Life Companies representative for assistance.©2009. All rights reserved.FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
<strong>Your</strong> periodic check-up on everything Accident & HealthNew study reveals 60%of bankruptcies due tomedical bills 1 .■■Most of the families filing bankruptcy were well-educated homeownerswith middle-class occupations.■■More than 75% of them had health insurance.Well-educated, middleclasshomeowners ...Does this describe anyof your clients?Could their financial healthbe at risk if they had anaccident or critical illness?■■92% had medical bills over $5,000 or 10% pretax family income.Protect your clients’ financialfuture from coverage gapsin their major medical plansby supplementing with anaccident and/or critical illnessinsurance plan like AccidentExpense Plus SM with a CriticalIllness Rider option orCriticalCare Plus SM insurance.1 Medical Bankruptcy in the U.S, 2007; Resultsof National Study; American Journal ofMedicine, June 2007For a link to this article andthe CBS news video clip, visithttp://delicious.com/aglctakeyourpulse. We willbe aggregating valuable newsand information on the delicioussite, so be sure to bookmark itand keep coming back.Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Accident Expense Plus Policy Form Number 07120, Critical Illness Rider Form Number07121, CriticalCare Plus Policy Form Number 05130, Benefit Extension Rider Form Number 05137, Medical Personnel HIV Rider Form Number 05139, Accidental Death & Dismemberment Rider Form Number05138. Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state.Please consult the policy form and outline of coverage for details. There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.Comprehensive medical coverage may be required in some states in order to apply for or maintain the policy. The underwriting risks, financial and contractual obligations and support functions associatedwith products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies and riders not available in all states.American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group,Inc., including AGL. Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in thatstate. If uncertain, contact your American General Life Companies representative for assistance.©2009 All rights reserved. FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
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