Double Your Coverage - Marketing Index File

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Eligible ProducersEligibility is limited to individuals contracted at the Producer level with United States Life and is based solely onthe Producer’s personally produced business. The company will issue only one gift card in the earned amount perproducer based on the producer’s tax ID number regardless of what source the business is submitted through. All giftcards will be issued following completion of the program on January 31, 2010.The contest includes only policies issued in New York by United States Life. Policies issued in all other states by USLaffiliate American General Life Insurance Company are not eligible.Producers contracted with agencies identified as Direct Marketers will not be included in the 10 for $1,000 Contest.Employees of certain financial institutions which prohibit their representatives from participating in these types ofincentives are also not eligible to participate.Contest PeriodTo qualify, cases must be submitted between October 1, 2009 and December 31, 2009, andmust be paid by January 31, 2010Eligible ProductsThe following life insurance products issued by United States Life are all eligible for the 10 for $1,000 contest:u AG Select-a-Term SM and AG ROP Select-a-Term SM u Elite Index ® and Elite Survivor Index ®u ContinUL Extend Plus SMu Elite Global Plus SM and Elite Global Survivor SMu Elite UL ®u American Elite Whole LifeThe following products are not eligible for contest credit:u Products issued by American General Lifeu AG Ultra Mortgage Complete TMInsurance Companyu Annuity productsu All Variable Universal Life productsu Accident & Health productsu Inheritance Life SMAdditional RequirementsQualifying business must remain in force throughout the qualification period. Policies that lapseduring the contest period will not count toward the respective case requirement. All qualifyingproducers must have an active contract at the end of the contract period to be eligiblefor awards.The value of the gift card will be treated as compensation to the producer and customary taxreporting will apply.Credit for split cases will be allocated according to the percentage(s) designated on theapplication at issue. To qualify for the gift card, the producer must be credited withthe required number of cases during the contest period.United States Life will be the final judge on all issues pertaining to the contest, including,at its sole discretion, the determination of a producer’s qualification for an award.For more information, contact:Policies issued by:The United States Life Insurance Company in the City of New York70 Pine Street, New York, NY 10270AG Select-a-Term Policy Form Number 09007N, AG ROP Select-a-Term Policy Form Number 08701N,American Elite Whole Life Policy Form Number 06006N, ContinUL Extend Plus Policy Form Number05337N, Elite UL Policy Form Number 03325N, Elite Survivor Index Policy Form Number 08327N, EliteIndex Policy Form Number 08326N, Elite Global Plus Policy Form Number 08444N, Elite Global SurvivorPolicy Form Number 08414N, AG Ultra Mortgage Complete Policy Form Numbers 03900N, InheritanceLife Policy Form Number 06440N, 06440NUThe underwriting risks, financial and contractual obligations and support functions associated withthe products issued by The United States Life Insurance Company in the City of New York (USL) are itsresponsibility. USL is authorized to conduct insurance business in the state of New York.American General Life Companies, www.americangeneral.com, is the marketing name for the insurancecompanies and affiliates comprising the domestic life operations of American International Group, Inc.,including USL.IMPORTANT: Prior to soliciting business, be certain that you are appropriately licensed and appointedwith the insurer and that the product has been approved for sale by the insurer in that state. If uncertain,contact your American General Life Companies representative for assistance.©2009. All rights reserved. AGLC103869FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Vol. 2, Issue 32, September 2009For more information, contact:MAKERSOne Plan Meets Two NeedsThe notion of buying individual level term coverage to retirement is taking hold and the flexibility and reach ofAG Select-a-Term SM makes it the perfect term product for the Term to Retirement sale. But the life insuranceneed doesn’t completely end at retirement for everyone. Many term buyers are realizing they have an ongoingneed for life insurance, a lower amount maybe, but still a need. This is one reason why “final expense” lifeinsurance is such a significant market. Those who rely solely on group and individual term insurance oftenbecome buyers of final expense life insurance in their post-retirement years.How about a product that does both — covers the income replacement need until retirement and thenguarantees final expense coverage after retirement if the insured survives and maintains the policy? AG ROPSelect-a-Term SM also provides term coverage to retirement plus the return of all base premiums paid if theinsured survives and maintains the policy to the end of the term period. 1One way to utilize that return of premium benefit is to take advantage of the reduced paid-up option (RPU).At any point where the policy has cash value, the RPU option allows the owner to take a reduced paid-updeath benefit to age 95 in lieu of the cash value. Granted, this provides less coverage than the original policy,but is often sufficient for final expense needs. The reduced paid amount appears on all AG ROP Select-a-Termsoftware illustrations at all policy durations. The optimum time to elect the RPU option is at the end of the levelpremium period when the cash value reaches its peak value.The client who buys AG ROP Select-a-Term coverage to retirement and survives until retirement, can do oneof four things:1. Drop the policy and take the return of premium benefit in cash, income tax-free 2 under current law, to use inretirement;2. Take the return of premium benefit in cash and keep the full death benefit in force at ART rates;3. If age 70 or less, take the return of premium benefit in cash and convert the policy to an allowablepermanent plan (return of premium benefit can help pay the first premium if desired);4. Exercise the RPU option, using the return of premium cash value to buy a reduced amount of paid-up deathprotection to age 95.1 AG ROP Select-a-Term accumulates a cash value that starts no later than the fifth policy year. At the end of the level term period, the cash value of thein force policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings, riders andany outstanding loan balance. If needs change and your client surrenders the policy, or converts it to our permanent insurance, the client will receivethe cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.2 The cash value benefit received is a tax-free return of basis under current tax law. Please consult a qualified tax advisor with questions.continued on next pageFOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
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