|
AG Secure Lifetime
GUL |
|
Long-term death benefit protection, guaranteed
cash accumulation, and the flexibility to access cash value in the future,
if necessary, while preserving a proportional death benefit guarantee.
Key Benefits
- Guaranteed death benefit protection
- Flexible Continuation Guarantee allows
policy owners to select their death benefit guarantee period and premium
funding period
- Guaranteed cash value accumulation
provides flexibility if needed in the future
- Unique pro-rata adjustments on partial
withdrawals allow policy to remain in force with proportionally reduced
death benefit, cash values, and guaranteed premiums
- Consumer-friendly features; for purposes
of maintaining death benefit guarantees, premium payments received
within 28 days following date of issue and each monthly due date are
treated as received on time; 1035 exchanges received during the first 12
months after policy’s date of issue are treated as if received on the
issue date
- Maximum issue age of 80 available on all
underwriting classes
- 24-month rolling target premiums
- Broad selection of riders for
customization
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Elite UL |
Current assumption UL product offering
low-cost, high death benefit protection without secondary guarantees.
Key Benefits
- Low cost permanent death protection and
potential cash accumulation
- Current assumption product, no secondary
death benefit guarantees
- Maturity at age 121
- Standard Plus No Tobacco class and
expanded Standard classes
- 24 month rolling target premiums on AGL
version
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Elite Transition UL |
Universal life product for term conversions
beyond the fifth anniversary of the term coverage.
Key Benefits
- Universal life product without secondary
death benefit guarantees
- Accepts term conversions beyond fifth
anniversary of term coverage
- Ten year no-lapse guarantee (5 years for
issue ages above 70)*
- Strong permanent death protection and
potential cash accumulation
- High internal rate of return on death
benefit
*Varies by state. |
|
|
|
|
|
|
|
|
|
|
|
|
|
AG Choice Index
GUL |
|
Index UL for death protection, featuring index
interest crediting based on three domestic and three international
indices and a formula that overweights the best two performing indices. Key Benefits
- Guaranteed death benefit coverage up to
age 121
- Flexible Continuation Guarantee allows
selection of guarantee period and premium funding period
- Unique, highly competitive product
focused on cash accumulation
- Allocate premiums among 3 interest
crediting options:
- 1-Year index interest crediting based in
part on the one-year point-to-point growth in a domestic index with a
cap rate and guaranteed interest rate of 1 percent
- 5-Year index interest crediting based in
part on three external indices with automatic overweighting of the two
best-performing indices with participation rate and guaranteed interest
rate of 1 percent
- Declared Interest Account with a minimum
guaranteed interest rate of 2 percent
- Option of Standard Loans or Choice Loans
to access policy cash values
- Overloan Protection Rider ensures policy
won’t lapse with large outstanding loan balance
- Broad selection of riders for
customization
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Elite Global Plus
UL |
|
Index UL featuring index interest crediting
based on three global indices and a formula that overweighs the best two
performing.
Key Benefits
- Index interest based on three global
indices and a formula that overweighs best two performing indices
- Flexible allocation choices:
- 1-year monthly average index account
- 5-year point-to-point index account (AGL
version only)
and declared interest account
- Minimum guaranteed lifetime interest
rate of 3 percent
- 30-year /age 90 no-lapse guarantee
automatically provided at no additional cost
- Optional lifetime guaranteed death
benefit rider
- High early cash values allow for
business applications
- Standard Plus class and expanded
standard classes
- 7 years rolling target premium on AG
version
- Annual, semiannual and quarterly
premiums modes available. A monthly premium payment mode is not
available.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Elite Index UL |
|
Index UL with three interest crediting
options. Index Interest based in part on the growth of a single domestic
stock index.
Key Benefits
- Index Interest UL
- Competitive death protection plus strong
cash value accumulation potential
- Allocate premiums among 3 interest
crediting options -
- Declared interest account with 3%
minimum annual guarantee;
- Cap rate index interest account with
1% minimum annual guarantee;
- Participation rate index account with
2% minimum annual guarantee
- Index interest based on one-year
point-to-point growth in S&P 500 Index
- Standard Plus No Tobacco Class and
expanded standard classes
- Optional rider to provide death benefit
guarantee to age 121
- 24-month rolling target premium on AGL
version
- $50,000 minimum face amount
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Elite Global
Survivor UL |
|
A last survivor index UL product featuring
index interest crediting based on three global indices and a formula that
overweighs the best two performing.
Key Benefits
- Index interest based on three global
indices and a formula that overweighs best two performing indices
- Flexible allocation choices:
- 1-year monthly average index account
- 5-year point-to-point index account (AGL
version only)
- declared interest account
- Minimum guaranteed lifetime interest
rate of 3 percent
- 30-year/age 90 no-lapse guarantee
automatically provided at no additional cost
- High early cash values allow for
business applications or use as collateral in premium financing
- Expanded standard classes
- 7 years rolling target premium on AGL
version
- Annual, semiannual and quarterly
premiums modes available. A monthly premium payment mode is not
available.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Elite Survivor
Index UL |
|
Last survivor index UL offering interest
crediting based in part on the growth of a single domestic stock index.
Key Benefits
- Competitive death protection plus strong
cash value accumulation potential
- Allocate premiums among 3 interest
crediting options -
- Declared interest account with 3%
minimum annual guarantee;
- Cap rate index interest account with
1% minimum annual guarantee;
- Participation rate index account with
2% minimum annual guarantee
- Index interest based on one-year
point-to-point growth in S&P 500 Index
- 24-month rolling target premium on AGL
version
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
