Benefits of Life Insurance - AGLAchoice Protection

Transcription

1 MAILED FROM ZIP CODE PRSRT STD U.S. POSTAGE PAID CENVEO Affordable, Guaranteed-Acceptance Life Insurance is Now Available Look Inside for Details.

2 GBOE American General Life and Accident Insurance Company PO Box Nashville, TN

3 PLEASE REPLY BY: «FRST_NAME» «LST_NAME» «ADDR_1» «ADDR_2» «CITY», «ST» «ZIP_CD» [USPS Barcode] Guaranteed Acceptance Dear «FRST_NAME» «LST_NAME»: No Medical Exam No Health Questions Coverage Never Decreases Builds Cash Value The loss of a loved one is devastating enough without added financial stress. When you die, will your family be able to pay your funeral expenses, medical costs and outstanding debt - or will they be burdened with the bills you leave behind? With AGLAchoice Protection from American General Life and Accident Insurance Company (AGLA), it's now easier than ever to take care of those who mean the most to you. AGLAchoice Protection is affordable whole life insurance that offers guaranteed acceptance to individuals ages No medical exam is required! AGLAchoice Protection also includes additional accidental death benefits that could provide your loved ones with extra money should you die from a covered accident. What's more, it's life insurance you don't have to die to use. Our Terminal Illness Accelerated Benefit allows you to accelerate 60% of your coverage* amount to help offset medical costs if you're diagnosed with a terminal illness in your third coverage year or thereafter. For as little as $7.95 per unit per month, AGLAchoice Protection life insurance won't break your budget. Coverage* is based on your gender and your age at the time your policy is issued. Your benefit never goes down - and as long as you pay your premiums, your premium rate never goes up. You risk nothing when you apply for AGLAchoice Protection 1-2-3, because every policy is backed by our 100% Money-Back Guarantee. If you're not satisfied for any reason, simply return your policy to us within 30 days. We'll cancel your coverage* and promptly refund every penny of premiums paid - no questions asked. To apply for AGLAchoice Protection life insurance, simply complete and sign the enclosed 1-page application. Then, mail it back to us along with your first premium payment in the postage-paid envelope provided, and we'll get to work issuing your policy. Accelerated Coverage for Benefit for Terminal Terminal Illnesses Illnesses Coverage for Accidental Death Remember, with AGLAchoice Protection 1-2-3, no medical exam is required, and your acceptance is guaranteed! Securing extra protection for your family when they need it most doesn't get any easier than this. Act now to lock in your benefit amount and the guaranteed premium rate of $7.95 per unit per month - before premiums go up. Life is not simple, life insurance can be.sm No one knows for sure what tomorrow will bring. However, by planning smart for the future, you can give yourself and those you love the most precious gift of all - peace of mind. Sincerely, [Insert e-signature] Debra Woodard Vice President P.S. Please see reverse side for more information regarding coverage, limitations and exclusions. We also welcome you to call us with questions at Remember, to lock in your coverage and premium rate, it's essential to act now. * Limited benefit for the first two years AGLA GB-BMML

4 GBML PO Box Nashville, TN

5 PLEASE REPLY BY: «FRST_NAME» «LST_NAME» «ADDR_1» «ADDR_2» «CITY», «ST» «ZIP_CD» [USPS Barcode] Guaranteed Acceptance Dear «FRST_NAME» «LST_NAME»: No Medical Exam No Health Questions It's a startling fact: the average cost of a funeral today can range anywhere from $6,000 to well over $10,000.** And these costs are rising at a rapid rate. Will your current life insurance policy provide enough to cover your final expenses - or will your family be burdened with the bills you leave behind? At American General Life and Accident Insurance Company (AGLA), one of our top priorities is making sure that our policyholders keep their insurance programs up-todate. As a valued customer whose policy is in good standing, you are eligible to apply for additional, affordable coverage - AGLAchoice Protection AGLAchoice Protection is whole life insurance that offers guaranteed acceptance to individuals ages No medical exam is required! AGLAchoice Protection also includes additional accidental death benefits that could provide your loved ones with extra money should you die from a covered accident. Coverage Never Decreases Builds Cash Value Accelerated Coverage for Benefit for Terminal Terminal Illnesses Illnesses What's more, it's life insurance you don't have to die to use. Our Terminal Illness Accelerated Benefit allows you to accelerate 60% of your coverage* amount to help offset medical costs if you're diagnosed with a terminal illness in your third coverage year or thereafter. For as little as $7.95 per unit per month, AGLAchoice Protection life insurance won't break your budget. Coverage* is based on your gender and your age at the time your policy is issued. Your benefit never goes down - and as long as you pay your premiums, your premium rate never goes up. You risk nothing when you apply for AGLAchoice Protection 1-2-3, because every policy is backed by our 100% Money-Back Guarantee. If you're not satisfied for any reason, simply return your policy to us within 30 days. We'll cancel your coverage* and promptly refund every penny of premiums paid - no questions asked. To apply for AGLAchoice Protection life insurance, simply complete and sign the enclosed 1-page application. Then, mail it back to us along with your first premium payment in the postage-paid envelope provided, and we'll get to work issuing your policy. Remember, with AGLAchoice Protection 1-2-3, no medical exam is required, and your acceptance is guaranteed! Taking care of those who mean the most to you doesn't get any easier than this. Act now to lock in your benefit amount and the guaranteed premium rate of $7.95 per unit per month - before premiums go up. Coverage for Accidental Death Life is not simple, life insurance can be.sm No one knows for sure what tomorrow will bring. However, by planning smart for the future, you can give yourself and those you love the most precious gift of all - peace of mind. Sincerely, [Insert e-signature] Debra Woodard Vice President P.S. Please see reverse side for more information regarding coverage, limitations and exclusions. We also welcome you to call us with questions at Remember, to lock in your coverage and premium rate, it's essential to act now. * Limited benefit for the first two years ** Federal Trade Commission website/ April 2009 AGLA GB-PUML

6 GBML PO Box Nashville, TN

7 AGLA: Over a Century of Outstanding Service and Solutions For more than 100 years, American General Life and Accident Insurance Company (AGLA) has been helping individuals and families achieve their financial goals, whether it s protecting loved ones, funding college dreams, or providing for retirement. Serving more than three million customers nationwide, we are committed to offering a broad array of innovative products designed to meet the unique and ever-changing needs of today s consumers. The most prominent independent ratings agencies continue to recognize American General Life and Accident Insurance Company in terms of insurer financial strength and claims-paying ability.*** In an ideal world, we d leave behind enough assets to cover our final expenses after we pass on, and our grieving loved ones wouldn t have to give money a second thought. But the reality is that inflation has reduced the value of existing life insurance policies and other funds set aside for funeral and burial costs - which today can run from $6,000 to well over $10,000.** Add in medical bills, outstanding loans, credit card balances, and even taxes, and you can t help but wonder, Will my family be burdened with the bills I leave behind? P.O. Box Nashville, TN * Limited benefit for the first two years **Federal Trade Commission website/ April 2009 ***For more detailed information on specific insurer ratings, visit This coverage is only available to residents of: AK, AR, AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KY, LA, ME, MI, MN, MO, ND, NE, NH, NM, NV, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT, WI and WV. This coverage is not available if you intend to replace any current life insurance, or if, by law, AGLA is prohibited from issuing coverage to you. The beneficiary for the new policy must be stated/ designated on the application. Upon receipt of the new policy, the beneficiary can be changed by contacting AGLA at and then completing and returning to us a beneficiary change form. The underwriting risks, financial and contractual obligations, and support functions associated with products issued by American General Life and Accident Insurance Company (AGLA) are its responsibility. For Policy Forms AGLA 09GBL, AGLA 09TIR and state variations. AGLA GB-DMB (0810) GB-DMB.indd 1 When You Die, Will Your Family Be Left with More Than Cherished Memories? AGLAchoice Protection All Rights Reserved. 8/5/10 11:28 AM

8 6 Great Reasons to Apply for AGLAchoice Protection Give Them the Greatest Gift of All Peace of Mind Your family will experience many emotions after your passing. Worrying over how to pay your final expenses shouldn t be one of them. By making sure you have a sound financial plan in place today, you can help safeguard your loved ones from unnecessary pain and expense tomorrow. It may just be the greatest gift you ll ever give them. Life is not simple, life insurance can be. SM Apply for AGLAchoice Protection today to lock in your affordable premium rate for life. Your Acceptance 1 is Guaranteed No Medical Exam Required. Some life insurance companies may require you to undergo invasive medical exams or answer detailed health-related questions on their applications. That s not the case with AGLAchoice Protection If you re age 40-80, you qualify - and no medical exam is needed. Your Benefit Amount Won t 2 Decrease as You Get Older. With some life insurance plans, your benefits shrink slowly with each passing year. But as a whole life insurance policy, AGLAchoice Protection guarantees that your coverage* amount stays fixed at the level you chose, as long as you pay your premiums. The face value of your policy never goes down even if you keep it for the next 20 years! It Costs About a Quarter a Day. 3 For as little as $7.95 per unit per month, you can get the reliable, secure coverage* that whole life insurance provides. You may customize your AGLAchoice Protection policy by choosing the number of units you think will meet your needs. More importantly, once you apply and your policy is issued, your rate will never go up, no matter how long you keep your policy in force. Risk Absolutely Nothing with 4 Our Money-Back Guarantee. At AGLA, we stand proudly behind every one of our products. If you re not satisfied with your AGLAchoice Protection life insurance policy for any reason, simply return it to us within 30 days. We ll cancel your coverage* and promptly refund every penny of premiums paid no questions asked. Get Accidental Death Protection. 5 AGLAchoice Protection includes an accidental death rider that provides extra benefits for your loved ones. In the event that you die as a result of a covered accident, your beneficiaries may receive up to double the face amount of your policy*. It s Life Insurance You 6 Don t Have to Die to Use. If you re diagnosed with a terminal illness in the third policy year or thereafter, the Terminal Illness Accelerated Benefit allows you to use, or accelerate, 60% of your policy s face value. This money can be used while you re still alive to help meet expenses related to your treatment and care. Questions? Call us at and one of our friendly representatives will be happy to assist you. GB-DMB.indd 2 8/5/10 11:28 AM