QoL Performer Plus SM. Life Insurance + Optionality = Opportunities that Can Last a Lifetime!

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "QoL Performer Plus SM. Life Insurance + Optionality = Opportunities that Can Last a Lifetime!"

Transcription

1 QoL Performer Plus SM Life Insurance + Optionality = Opportunities that Can Last a Lifetime!

2 This is what happens when you think about life insurance differently. You create powerful, permanent life insurance that can change and grow with the needs of each individual policy holder. LIFE INSURANCE QoL Performer Plus is an affordable universal life insurance policy that can provide a guaranteed 1 death benefit for 25 years or up to age 80, whichever comes sooner plus the opportunity for significant cash accumulation. The policy pays competitive current interest, with guaranteed minimum interest crediting of 4 percent for the first five years. It can be well-suited for those starting out on their financial journey, since it can efficiently change and grow over the course of their lifetimes. It also helps to create a base from which other tactical financial options can be elected quickly, easily and in some cases, automatically. Middle-agers and those later in life will also appreciate the policy s guarantees and flexibility, plus the opportunity to grow and access cash for supplemental retirement income or any other purpose. QoL Performer Plus is designed to serve and help protect you and your family, whatever the future may bring. 2 1 Guarantees are backed by the claims-paying ability of the issuing insurer.

3 It s life insurance you don t have to die to use! As part of our Quality of Life...Insurance suite of products, Performer Plus can pay a portion of the base life insurance benefit if you have a major heart attack, stroke, cancer or other qualifying illness or condition at no additional premium cost to you. You can use the money to cover the costs of treatment, recoup lost income or for any other purpose. If you decide to take advantage of this benefit, the balance of your life insurance coverage remains in place. American General Life Insurance Company is a recognized leader in accelerated benefits. For more information about Quality of Life...Insurance, contact your agent or visit + Add term life coverage for your children. + OPTIONALITY Flexible features, benefits and riders you can tailor to your needs whenever! The one constant in life is change. That s why Performer Plus is designed to provide you with tactical options and advantages you can use throughout your lifetime. You have the option to add and subtract what you want, when you want it (subject to underwriting and policy requirements) while taking advantage of lower premiums, volume discounts and other fee reductions. Go ahead! You have the power. Change your coverage amount. After year one, as your needs, family and income grow, you can increase your coverage amount. If you ve chosen to add the Additional Insurance Option to your policy, then at certain ages and life events, the ability to apply for additional coverage is guaranteed. You can also decrease your coverage amount, though surrender charges may apply. Add tactical term life coverage for any purpose and any duration from10-35 years. Cover the cost of your mortgage for 22 years. Protect the cost of a college education for Billy in 13 years, Susie in 11 years and your new baby in 18 years. You pick the term. You pick the purpose. You pick the amount. And we ll bundle it in with all the discounts you ve earned. Term life coverage for children is inexpensive. Coverage from $5,000 to $25,000 is available for each child. And the rider is guaranteed convertible to permanent coverage up to age 25. Put extra money to work. Any money deposited into your policy during the first five years that is above benchmark premium 2 is placed into a protected account, not subject to charges or fees. This feature provides policy holders extra flexibility with their money, subject to policy terms and conditions. The protected money feature can be especially appealing for someone purchasing a Performer Plus policy via a 1035 exchange. (Consult your professional tax advisor regarding withdrawals of protected money from a 1035 exchange.) Add term life coverage for your spouse. Buy an associated policy for an amount up to your Performer Plus coverage amount. Fee and volume discounts can make this coverage appealing to you and your wallet. Build supplemental retirement income. Regularly funding your Performer Plus policy may help you create the potential for significant additional income for retirement. Your agent can provide what-if illustrations to help you decide on an appropriate funding level and timetable. Please note, any additional products and/or riders offered with Performer Plus are subject to policy terms and conditions as well as applicable underwriting requirements. 2 Benchmark premium is the maximum first-year premium, and is determined at issue. The benchmark premium is defined so that any funds contributed to the policy above this amount will be credited to the policy holder s protected money account. 3

4 QoL Performer Plus Life Insurance + Optionality It could be the first policy you buy. QoL Performer Plus offers a great opportunity for younger adults to lock-in permanent life insurance coverage at affordable rates. Later, when you marry, have kids, get a mortgage or start thinking about retirement, you can bundle in the additional coverages and solutions you need. It could be the last policy you buy. QoL Performer Plus helps to bring security, affordability and flexibility to policy holders at older ages too. In addition to the optional extended guarantee death benefit and the opportunity to supplement retirement income, it provides for accelerated death benefits that are part of Quality of Life...Insurance, helping to provide needed cash should you suffer a qualifying illness or condition. 4

5 QoL Performer Plus in action: Henry suffers a heart attack, takes early retirement income and still leaves a substantial death benefit for his family. 3 Problem: At age 49, Henry is a husband and father in good health. But he s seen, firsthand, how a critical illness can adversely affect a family s financial plan. His brother Ed had a stroke a few years back. And while Ed s condition has improved, the high costs of care forced him and his family to seriously spend down their assets. Henry wants to provide long-term life insurance protection for his family. But he also wants to have a source of ready cash if he should suffer a critical illness. He wonders if there s a way he could satisfy both objectives with a single product. Solution: Working with his financial professional, Henry decides that a $350,000 QoL Performer Plus policy will help him achieve his goals. His agent explains that since this product is part of the QoL product suite, it contains the SelectChoice Accelerated Benefit Rider, which allows for all or part of the life insurance benefit to be accelerated if he suffers a qualifying illness. SelectChoice offers a Flexible Accelerated Benefit (FAB) with every policy. However, Henry could choose to purchase an optional Defined Accelerated Benefit (DAB), which is also available under the SelectChoice ABR. Henry decides to add a DAB of $40,000. This amount would be payable to Henry upon approval of a future claim, regardless of the change in his life expectancy. 4 Results: At age 64, Henry survives a heart attack, but his health forces him to retire a year earlier than planned. To help replace some of his income for that year, he takes his DAB and receives $40,000 as a lump sum, leaving a $310,000 life insurance benefit in the policy. In the future: At age 65, Henry begins taking income as planned from his retirement savings and Social Security. His life insurance policy continues to earn interest. And when he dies at age 82, the remaining $310,000, plus his policy s cash value 5, passes to his wife and children. Because Performer Plus has built-in minimum interest rate crediting, Henry s policy s cash value could be substantial. 3 Not an actual case. This is a hypothetical representation for illustrative purposes only. 4 See Quality of Life Insurance consumer brochure for more information regarding how the SelectChoice Accelerated Benefit Rider works. 5 Henry chose Option B, which allows for the death benefit in the policy to increase as the accumulation value grows. He would receive the remaining Specified Amount policy value of $310,000, plus the portion of Accumulation Value earned that would be available to be added to the death benefit. Both of Henry s objectives are achieved thanks to a single, efficient and flexible product. 5

6 Build your financial future with a world leader. For more than 90 years, AIG companies have protected clients and their families from the unexpected and helped them safeguard their futures. We have become one of the world s largest insurance organization, with 63,000 associates serving 88 million customers in more than 130 countries. We reported $541 billion in total assets as of December 31, Our mission is to be the premier provider of protection, retirement income and investment solutions for our clients. And we re looking forward to working with you. 6

7 Are you prepared for life s uncertainties? Though we all want to live a long and healthy life, the possibility of being diagnosed with a critical, chronic or terminal illness is a real concern. The SelectChoice Accelerated Benefit Rider helps protect against the financial issues that serious illnesses often bring. Even with the best plans, the unexpected can happen such as a critical illness or a permanent chronic illness or condition. The costs associated with treatment, as well as possible income lost if you are unable to work, can seriously threaten your quality of life. Quality of Life...Insurance is designed to let you use your life insurance benefits when you need them most. This innovative and affordable life insurance policy can help pay the direct costs of treatment for qualifying illnesses or conditions or any other indirect expenses. If you have an illness such as a major heart attack, invasive cancer, or a stroke, you can accelerate some or all of your life insurance benefit. If you accelerate your policy, you receive a portion of your life insurance benefits now, before your death which reduces your life insurance coverage and policy values. 6 Yet any remaining life insurance is still in place. For instance, if you accelerated $100,000 of a $250,000 policy, you would still have $150,000 of life insurance coverage in place. 6 Individual benefits, if any, will vary. Quality of Life... Insurance is life insurance you don t have to die to use. It can be extremely helpful to you and your family should you suffer a qualifying Critical, Chronic or Terminal illness or condition. You can learn more about Quality of Life Insurance by watching a video or reviewing the consumer information brochure. Please ask your agent for details or visit 7

8 The SelectChoice Accelerated Benefit Rider will be included on eligible QoL Performer Plus policies if available in your state. Ask your agent for details. The following information generally describes the Qualifying Events under the SelectChoice Accelerated Benefit Rider (see the rider for full definitions, limitations, and other applicable terms): Qualifying Chronic Illness 7 A Qualifying Chronic Illness is an illness or physical condition Certified as a Chronic Illness by a licensed healthcare practitioner, which Certification was effective no more than 12 months prior to AGL s receipt of such Certification and permanently affects the Insured Person so that he or she: Is unable to perform at least two of the six Activities of Daily Living (ADLs*) without substantial assistance; or Requires substantial supervision by another person to protect the Insured Person from threats to health and safety due to severe cognitive impairment; and for which the Insured Person is under a plan of care prescribed by a licensed health care practitioner. * ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating Qualifying Critical Illness 7 The following critical illnesses or conditions are Qualifying Critical Illnesses under the rider: Major Heart Attack Major Organ Transplant Coronary Artery Bypass End Stage Renal Failure Stroke Paralysis Invasive Cancer Coma Blood Cancers: Leukemia, Severe Burn Lymphoma, and Multiple Myeloma Qualifying Terminal Illness 7 A Qualifying Terminal Illness is an illness or physical condition that is certified by a licensed physician to be reasonably expected to result in the insured s death within 24 months from the date of certification. If a benefit under an Accelerated Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy. The Owner must complete an election form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. The rider is designed to provide two types of accelerated benefits: an optional Defined Accelerated Benefit (DAB) and the Flexible Accelerated Benefit (FAB). Defined Accelerated Benefit (DAB) The DAB is an optional benefit which provides for payment of a predetermined portion of the applicable life insurance benefit upon the occurrence of a Qualifying Event. The DAB for the initial Qualifying Event, where a claim is made, is determined as a fixed percentage between 5%-15% of the maximum applicable life insurance benefit that can be accelerated under the policy. The DAB for a subsequent Qualifying Event is calculated using a reduced percentage (20% of the initial DAB percentage). There will be a charge for the rider if the DAB percentage is greater than zero. Flexible Accelerated Benefit (FAB) The FAB provides for acceleration of all or a portion of the remaining life insurance benefit that may be accelerated after any DAB is paid. Any portion of the life insurance benefit that is elected to be accelerated as a FAB is subject to an actuarial discount, administrative charge, and payment of any unpaid but due policy premiums and will always be less than the portion of the base life insurance benefit accelerated. The amount offered as a FAB will, in significant part, be dependent upon any change in mortality of the Insured Person in question between the time the applicable life insurance policy with the FAB was underwritten and the time any particular FAB claim is filed and considered. Changes in health and other factors will have varying effects on the mortality of different Insured Persons. Circumstances will vary among individual Insured Persons. The amount offered as a FAB is determined by the company after a claim is submitted and, when accepted, is payable to the Owner as a lump sum. 8 7 SelectChoice Accelerated Benefit Rider benefit and definitions may vary in some states and/or not be available in all states. The maximum amount of life insurance benefit that may be accelerated is subject to the Maximum Elected Death Benefit, which is the lesser of the current life insurance benefit or a lifetime maximum amount of $1,500,000. Benefit eligibility is subject to limitations and/or Waiting Period, Elimination Period and exclusion requirements. Please read the rider carefully for a complete definition of benefits and conditions applying to the rider.

9 Other Benefits and Riders: Extended Guarantee Rider You have the option to add an extended guarantee to your QoL Performer Plus policy. This rider is designed to guarantee the death benefit for either 25 years or to age 80, whichever comes first. Ask your agent for details. Waiver of Monthly Deduction Rider (WMDR) This rider waives the cost of insurance during the period the rider is in benefit. Issues Ages: 0-55 Termination Age: 65 If the Insured becomes totally disabled (as defined by the policy) before age 60, and if that total disability lasts six consecutive months during the continuation of the disability, the WMDR will: Waive the Monthly Guarantee Premium (MGP) during the Monthly Guarantee Premium Period (MGPP), or After the MGPP, waive the Monthly Deductions and other administrative charges If the Insured becomes totally disabled on or after the policy anniversary following age 60, but before coverage terminates, the Waiver of Monthly Deduction Rider waives: MGP during the MGPP, or After the MGPP, the Monthly Deductions and other administrative charges until the later of the Insured s age 65 or one year after the total disability began. The WMDR does not waive the Planned Periodic Premium. Waiver of Specified Premium Rider (WSPR) This rider pays a benefit into the policy each month during the total disability of the primary insured following a 180 day elimination period. Issue ages: Termination age: 60 The benefit exists to help fulfill the policy s purpose upon total disability of the insured. For example, if the intent of the insured is to provide supplemental income only, then the amount required to generate that number becomes the specified premium. Upon total disability qualification, the WSPR will fund the specified premium into the policy. The monthly benefit and premium is determined at issue. The WSPR may not maintain a policy in force over time. An applicant may elect either a Waiver of Monthly Deduction Rider (WMDR), or Waiver of Specified Premium Rider (WSPR), but not both. Accidental Death Benefit Rider This rider provides an additional death benefit if the insured s death results from an accident. Issue ages: Termination age: 70 Children s Term Life Insurance This rider provides a level amount of term insurance on each Insured Child with level premiums payable for the same period in which the coverage is provided. Issue ages for base Insured: Issue age for children: 7 days-17 years Expires at child s age 25, Insured s age 65 Issue amounts: $5,000 $25,000 This rider may be converted to a permanent plan at any time and may be converted for up to 2 times the amount of coverage if the application to convert is received within 31 days of the child s birthday, marriage or the base insured s death. PLEASE NOTE: The life insurance offered with SelectChoice Accelerated Benefit Rider is not stand-alone long term care insurance, disability income insurance or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits under the rider will reduce the amounts available for future acceleration under it and any other Accelerated Benefit Rider attached to the policy. It will also reduce the base life insurance benefit and the funds available to supplement retirement or other needs. In some cases, such reductions can result in policy termination. The benefits paid may be less than what is needed to cover all of the costs associated with an illness or condition. 9

10 Additional Insurance Option (AIO) This rider provides the option to increase the insured s coverage amount on specified option dates without evidence of insurability. Issue ages: 0 35 Regular option dates occur within 90 days before any of the following events: Policy anniversary following the insured s 27th, 30th, 33rd, 37th and 40th birthdays; marriage of the insured; live birth of a child of the insured; legal adoption of a child by the insured. Additional Insured Rider (AIR) This rider provides term life insurance coverage on the life of the base insured s spouse and includes the SelectChoice ABR. Issue Amounts: Minimum Coverage Amount $15,000-$99,999 for non-preferred rate classes $100,000+ for preferred rate classes This rider can be converted to any level premium or flexible premium life plan offered by the company. Maturity Extension Rider This rider allows the policyowner to extend coverage past the original maturity date of age 121, until the death of the insured. The death benefit during the extension period will be equal to the death benefit in effect on the day prior to the maturity date. Your death benefit may increase if your accumulation value increases, but it is guaranteed to never be less than the accumulation value. Issue Ages: Rate classes vary based on issue age. Please note these benefits are available for an additional premium. 10

11 Important Consumer Disclosures Regarding Accelerated Benefit Riders (1) When filing a claim for Qualifying Critical Illness, Qualifying Terminal Illness or Qualifying Chronic Illness under an Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form (with Certification attached in the case of a Qualifying Chronic Illness) which must be received at its Administrative Center within the time frame specified in the Rider, if any. (2) If a benefit under an Accelerated Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy. The Owner must complete an election form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. (3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forth for each in a Policy may preclude payment of a benefit. (4) Benefits payable under an accelerated benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. (5) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness. The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance. (6) See your policy for details. The insurance company may contest the policy from the date of policy issue, a reinstatement or an increase in coverage, during a period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material fact on the application for such policy, reinstatement, or increase. If an Insured Person dies by suicide within the suicide period provided by applicable law and description in the policy, the death benefit will be limited as provided by the policy. Rider names, benefits and definitions may vary in some states and/or not be available in all states. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. Please note: The life insurance offered with the SelectChoice Accelerated Benefit Rider is not stand-alone long term care insurance, disability income insurance or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits under any rider will reduce the base life insurance benefit and the amounts available for future acceleration. It will also reduce the base life insurance benefit. In some cases, such reduction can result in policy termination. The benefits paid under the rider may be less than what is needed to cover all of the costs associated with an illness or condition. Your agent can provide you with details. Accelerate means to receive a portion of the base life insurance benefit early, while the Insured is still alive, in the event of a covered illness or condition. There are several factors to consider before deciding whether acceleration is right for you: Acceleration will reduce or eliminate the Insured Person s base life insurance benefit and policy values, if any. This means there will be less or no benefit paid when the Insured dies. The actual payment received will be less than the portion of the base life insurance benefit accelerated. This means you will not get the full amount you accelerate because 1) it is paid prior to death 2) it is subject to an actuarial discount, administrative charge and payment of any unpaid but due policy premiums. The amount of an Accelerated Benefit Rider benefit that may be offered is determined by the company when a claim is submitted and, when accepted, is payable to the owner in a lump sum. The amount of an offered benefit will, in significant part, be dependent upon any change in mortality of the Insured Person in question between the time the applicable life insurance policy with Accelerated Benefit Riders was underwritten and the time any particular Accelerated Benefit Rider claim is filed and considered. Changes in health and other factors will have varying effects on the mortality of different Insured Persons. Circumstances will vary among individual Insured Persons. If you are eligible, you will be offered the opportunity, when you receive your benefit election form, to purchase coverage to replace the amount accelerated. However, the costs of that coverage may be significantly higher. Your policy contract will have more information regarding how payment of benefits under the rider can impact your policy values. Please read it carefully. 11

12 Policies issued by American General Life Insurance Company (AGL). Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit business in the state of New York. Products may not be available in all states and product features may vary by state. Please refer to your policy. For policy forms ICC , 14579, ICC10 AGLA ABR, AGLA ABR, ICC ,14012 ICC , 14018, ICC , 14390, AGLA 05AHC, AGLA EMD-DB, ICC , 14002, and state variations American International Group, Inc. (AIG). All rights reserved QOL-PUL-SCH (0714)

Life Insurance You Don t Have to Die to Use. Policies issued by American General Life Insurance Company (AGL).

Life Insurance You Don t Have to Die to Use. Policies issued by American General Life Insurance Company (AGL). Life Insurance You Don t Have to Die to Use. Policies issued by American General Life Insurance Company (AGL). Quality of Life...Insurance is Changing The Way Americans Think About, Purchase and Use Life

More information

Ask yourself these three very important questions

Ask yourself these three very important questions QoL Flex Term Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the

More information

QoL Index Plus II. Protection + Accumulation + Distinctive Living Benefits

QoL Index Plus II. Protection + Accumulation + Distinctive Living Benefits QoL Index Plus II Protection + Accumulation + Distinctive Living Benefits Introducing a breakthrough approach to financial security. QoL Index Plus II We are reinventing life insurance to respond to the

More information

QoL Flex Term. QoL1 8532 FT REV0815

QoL Flex Term. QoL1 8532 FT REV0815 QoL Flex Term QoL1 8532 FT REV0815 Important Questions... Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford?

More information

Accelerated Benefit Riders

Accelerated Benefit Riders Accelerated Benefit Riders Living Benefits From Life Insurance. Policies issued by American General Life Insurance Company Quality of Life Insurance is designed to let you use your life insurance benefits

More information

Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL).

Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615. Policies issued by American General Life Insurance Company (AGL). Life Insurance You Don t Have to Die to Use. 8532 QOL REV0615 Policies issued by American General Life Insurance Company (AGL). Quality of Life...Insurance is Changing The Way Americans Think About, Purchase

More information

Ask yourself these three very important questions

Ask yourself these three very important questions QoL FlexTerm Ask yourself these three very important questions 1. How much life insurance do I need to protect my family? 2. How much life insurance can I afford? More than likely, your answer to the first

More information

Life Insurance You Don t Have to Die to Use.

Life Insurance You Don t Have to Die to Use. Life Insurance You Don t Have to Die to Use. Quality of Life...Insurance is Changing The Way Americans Think About, Purchase and Use Life Insurance. What if you suffer a major heart attack, stroke, or

More information

QoL Index Plus II. Protection + Accumulation + Distinctive Living Benefits

QoL Index Plus II. Protection + Accumulation + Distinctive Living Benefits QoL Index Plus II Protection + Accumulation + Distinctive Living Benefits Introducing a breakthrough approach to financial security, QoL Index Plus II. We are reinventing life insurance to respond to the

More information

Accelerated Death Benefit Endorsements

Accelerated Death Benefit Endorsements Accelerated Death Benefit Endorsements Financial Protection To Help With Critical, Chronic and Terminal Illness Client Brochure THIS IS NOT LONG TERM CARE INSURANCE, HEALTH INSURANCE, OR DISABILITY INSURANCE,

More information

Life Insurance You Don t Have to Die To Use.

Life Insurance You Don t Have to Die To Use. Life Insurance You Don t Have to Die To Use. Traditional life insurance is designed to provide security for your loved ones in the event of your premature death but what if you have a serious heart attack,

More information

American General Life Insurance Company provides modern and affordable

American General Life Insurance Company provides modern and affordable QoL Index Plus American General Life Insurance Company provides modern and affordable life insurance products for middle income consumers and Main Street small business owners. Our strategy is to understand

More information

Flexible Mortgage Protection

Flexible Mortgage Protection 10 % Flexible Mortgage Protection with Life Insurance Product issued by Life Insurance Company of the Southwest 62686 MK2272(1112) TC6896(0612) Protect your home, family and income all in one policy A

More information

Protective Custom Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14)

Protective Custom Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14) Protective Custom Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they

More information

Trendsetter. LB Series. Product Overview

Trendsetter. LB Series. Product Overview Trendsetter LB Series Product Overview Trendsetter LB Series Life happens. Are you prepared? Sometimes we are surprised by what happens in life. One of the most important assets we have is our health

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Financial Protection against Chronic and Terminal Illnesses

Financial Protection against Chronic and Terminal Illnesses 20501 1/15 Financial Protection against Chronic and Terminal Illnesses As common as they seem to be, illnesses wreak havoc on the lives of Americans every day disrupting both family life and financial

More information

Level Premium Term Insurance

Level Premium Term Insurance Term Level Premium Term Insurance Is term insurance right for you? One policy. One premium. One company. A multitude of coverages. Product issued by Life Insurance Company of the Southwest This marketing

More information

The Smart Way to Protect Your Family At a Price You Can Afford. QoL Advantage SM

The Smart Way to Protect Your Family At a Price You Can Afford. QoL Advantage SM The Smart Way to Protect Your Family At a Price You Can Afford QoL Advantage SM For most of us, making sure our family is taken care of is a major goal. Each exciting lifestyle change marriage, a new baby,

More information

Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME. Life insurance can help protect what s important to you. TC84163(0415)3 Cat No 62686 (0415)

Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME. Life insurance can help protect what s important to you. TC84163(0415)3 Cat No 62686 (0415) Life Insurance HELP PROTECT YOUR HOME, FAMILY AND INCOME Life insurance can help protect what s important to you Product issued by Life Insurance Company of the Southwest Cat No 62686 (0415) Help Protect

More information

Custom Guarantee. Universal Life Insurance with a Death Benefit Guarantee 1. Marketing Guide

Custom Guarantee. Universal Life Insurance with a Death Benefit Guarantee 1. Marketing Guide Custom Guarantee Universal Life Insurance with a Death Benefit Guarantee 1 Marketing Guide Marketing Custom Guarantee Uncertainty in life is guaranteed. No one can predict what changes may occur in his

More information

Protective Advantage Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14)

Protective Advantage Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14) Protective Advantage Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14) You need life insurance to provide financial protection for your loved ones. But you also understand the importance

More information

Living Benefits. There s More to Life

Living Benefits. There s More to Life Living Benefits There s More to Life Die Too Soon Become Ill Live Too Long Die Too Soon Products issued by National Life Insurance Company Life Insurance Company of the Southwest Become Ill Live Too Long

More information

Get the most out of life.

Get the most out of life. Get the most out of life. Phoenix safe harbor term Life SM and Phoenix safe harbor term Life express SM Features life insurance with living benefits to help you protect loved ones and plan for the unexpected.

More information

THERE S MORE TO LIFE. Products issued by National Life Insurance Company Life Insurance Company of the Southwest

THERE S MORE TO LIFE. Products issued by National Life Insurance Company Life Insurance Company of the Southwest Living Benefits THERE S MORE TO LIFE Die Too Soon Become Ill Live Too Long Products issued by National Life Insurance Company Life Insurance Company of the Southwest National Life Group is a trade name

More information

Living Benefits. A Key to. Life Insurance 62824 MK2333(0908) TC43323(0908)

Living Benefits. A Key to. Life Insurance 62824 MK2333(0908) TC43323(0908) Living Benefits A Key to Life Insurance 62824 MK2333(0908) TC43323(0908) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide

More information

Guaranteed Protection Universal Life. Discover What s Possible

Guaranteed Protection Universal Life. Discover What s Possible Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life

More information

PLC.3118 (04.15) UNIVERSAL LIFE INSURANCE Optional Endorsements and Riders Reference Guide

PLC.3118 (04.15) UNIVERSAL LIFE INSURANCE Optional Endorsements and Riders Reference Guide PLC.3118 (04.15) UNIVERSAL LIFE INSURANCE Optional Endorsements and Riders Reference Guide At Protective Life, we understand that every family or business situation is unique. Our universal life policies

More information

A Key to. Life Insurance 62824 MK2333(0307) TC30498(0307)

A Key to. Life Insurance 62824 MK2333(0307) TC30498(0307) Living Benefits A Key to Life Insurance 62824 MK2333(0307) TC30498(0307) Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide

More information

Accelerated Death Benefit Endorsements

Accelerated Death Benefit Endorsements Accelerated Death Benefit Endorsements Financial Protection To Help with Critical, Chronic and Terminal Illness Marketing Guide North American Company automatically includes the accelerated death benefit

More information

Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company

Term Portfolio A CONSUMER S GUIDE. Breathe Easier. Worry Less. Products issued by National Life Insurance Company Term Portfolio A CONSUMER S GUIDE Breathe Easier. Worry Less. Products issued by National Life Insurance Company National Life Group is a trade name of National Life Insurance Company and its affiliates.

More information

Protective Custom Choice SM UL

Protective Custom Choice SM UL Protective Custom Choice SM UL Product Guide PLC.6311 (11.12) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they would be financially secure,

More information

Make an informed choice

Make an informed choice Producer Information I Index Universal Life Insurance Make an informed choice Long Term Care or Chronic Illness Rider? As our population ages, obtaining financial protection against long term care (LTC)

More information

Cost-effective index universal life insurance with upside potential and downside protection

Cost-effective index universal life insurance with upside potential and downside protection Elite Index II Producer Guide Cost-effective index universal life insurance with upside potential and downside protection Policies issued by American General Life Insurance Company (AGL) Security and choice

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages

Alliance Solutions Advantage Term 20 - Year Term Life Insurance Quote Supplemental Quote - Summary of Coverages Supplemental Quote - Summary of Coverages Money for your family Death Benefit on the insured. Money for a terminal, chronic or critical illness See the following pages for more details on these living

More information

universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co.

universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co. universal Life Insurance offered by: Alliance Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio 42422 0411 lliance Life happens. Are you prepared? Sometimes

More information

A compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide

A compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide CONSUMer Guide AG Secure Lifetime GUL with Lifestyle Income Solution SM Flexible premium, adjustable death benefit universal life insurance with secondary guarantee provisions Life insurance protection

More information

Foresters Advantage Plus Producer Guide

Foresters Advantage Plus Producer Guide Foresters Advantage Plus Producer Guide Whole Life Insurance This guide is for information purposes only and is intended to answer your questions and provide ideas to help you sell Foresters Advantage

More information

Horizon UNIVERSAL LIFE INSURANCE. Discover More In Life. Products issued by. TC84068(0415)3 Cat No 63992 (1215)

Horizon UNIVERSAL LIFE INSURANCE. Discover More In Life. Products issued by. TC84068(0415)3 Cat No 63992 (1215) Horizon UNIVERSAL LIFE INSURANCE Discover More In Life Products issued by Life Insurance Company of the Southwest National Life Group is a trade name representing various affiliates, which offer a variety

More information

Living Benefits. A Key to Life Insurance 62824 MK2333(0610) TC55294(0510) 30 %

Living Benefits. A Key to Life Insurance 62824 MK2333(0610) TC55294(0510) 30 % Living Benefits A Key to Life Insurance 30 % 62824 MK2333(0610) TC55294(0510) Plan today. Protect tomorrow. Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly,

More information

Sage NLUL. No Lapse Universal Life Insurance CONSUMER BROCHURE

Sage NLUL. No Lapse Universal Life Insurance CONSUMER BROCHURE Sage NLUL No Lapse Universal Life Insurance CONSUMER BROCHURE The best lives are built on the strongest foundations. Sage NLUL Consumer Brochure Wise Financial Thinking for Life Sagicor Life Insurance

More information

Sage NLUL. No Lapse Universal Life Insurance CONSUMER BROCHURE

Sage NLUL. No Lapse Universal Life Insurance CONSUMER BROCHURE Sage NLUL No Lapse Universal Life Insurance CONSUMER BROCHURE The best lives are built on the strongest foundations. Sage NLUL Consumer Brochure Wise Financial Thinking for Life Sagicor Life Insurance

More information

Zurich s Index UL. Living Benefit Solutions. Accelerated Death Benefit Riders for Chronic and Terminal Illness

Zurich s Index UL. Living Benefit Solutions. Accelerated Death Benefit Riders for Chronic and Terminal Illness TM Zurich s Index UL Living Benefit Solutions Accelerated Death Benefit Riders for Chronic and Terminal Illness Offered by Zurich American Life Insurance Company For agent and broker information only.

More information

Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals

Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals Our commitment to your clients is stronger than ever before! Policies issued by American General Life Insurance

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice SM Whole Life Guaranteed Choice SM Whole Life for Individuals and Families There is comfort in predictability There s a certain comfort that comes with knowing

More information

BenefitAccess Rider OVERALL RIDER INFORMATION

BenefitAccess Rider OVERALL RIDER INFORMATION CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS FAST FACTS BenefitAccess Rider The BenefitAccess Rider (BenefitAccess) is an accelerated death benefit rider that advances up to 100% of the policy s death

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your

More information

Living Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest

Living Benefits. A Key to Life Insurance. Products issued by National Life Insurance Company Life Insurance Company of the Southwest Living Benefits A Key to Life Insurance Products issued by National Life Insurance Company Life Insurance Company of the Southwest 10 % National Life Group is a trade name of National Life Insurance Company,

More information

Foresters Lifefirst Producer Guide

Foresters Lifefirst Producer Guide Foresters Lifefirst Producer Guide Level Term Life Insurance This guide is intended to answer your questions, provide ideas to help you sell Foresters Lifefirst Level Term Insurance and is for information

More information

HARTFORD LEADERS VUL LEGACY

HARTFORD LEADERS VUL LEGACY HARTFORD LEADERS VUL LEGACY Preserve your legacy with variable universal life insurance Client: Jack Age: 42 Estimated net worth: $750,000 Profession: Warehouse manager His story: Married, three children

More information

SecurePlus Provider I N D E X E D U N I V E R S A L L I F E

SecurePlus Provider I N D E X E D U N I V E R S A L L I F E SecurePlus Provider I N D E X E D U N I V E R S A L L I F E B U Y E R S G U I D E TC27761(0906) Life is a journey. And while there are many unknowns along the way, you can be prepared. Preparations should

More information

211 CMR: DIVISION OF INSURANCE

211 CMR: DIVISION OF INSURANCE 211 CMR 55.00 DISCLOSURE REQUIREMENTS FOR LIFE INSURANCE POLICIES WITHACCELERATED BENEFIT PROVISIONS AND ANNUITY CONTRACTS WITH WAIVERS OF SURRENDER CHARGES FOR EARLY WITHDRAWAL OF ANNUITY PROCEEDS IN

More information

Universal Life Insurance for Financial Protection and Cash Accumulation

Universal Life Insurance for Financial Protection and Cash Accumulation Universal Life Insurance for Financial Protection and Cash Accumulation M a r k e t i n g G u i d e For agent use only. Not to be used for consumer solicitation purposes. Marketing Custom GrowthCV Helping

More information

Accelerated Benefit Riders Overview

Accelerated Benefit Riders Overview Living Benefits... When You Need Them Most Accelerated Benefit Riders Overview The Accelerated Benefit Riders Issued By The Accelerated Benefit Riders provide living benefit options for no additional premium.

More information

Trendsetter LB (Living Benefits)

Trendsetter LB (Living Benefits) Trendsetter LB (Living Benefits) Frequently Asked Questions TABLE OF CONTENTS Why do I need Living Benefits?...1 What are Living Benefits on a Life Insurance Policy and Accelerated Death Benefits?... How

More information

THE UNITED STATES LIFE Insurance Company In the City of New York

THE UNITED STATES LIFE Insurance Company In the City of New York THE UNITED STATES LIFE Insurance Company In the City of New York (Called United States Life) United States Life will pay the benefits of this policy subject to its provisions. This page and the pages that

More information

ConsecoLifeOptions SM

ConsecoLifeOptions SM Upside potential with downside protection. ConsecoLifeOptions SM indexed universal life insurance Freedom Choices Flexibility Conseco Insurance Company A life and health insurance company CL-LO-CB ConsecoLifeOptions

More information

Long Term Care Rider PRODUCER GUIDE

Long Term Care Rider PRODUCER GUIDE PRODUCER GUIDE Long Term Care Rider Available on: TransNavigatorSM IUL, Transamerica, JourneySM VUL and Transamerica JourneySM NY VUL life insurance products. For producer use only. Not for distribution

More information

Variable Universal Life Accumulator

Variable Universal Life Accumulator Just the facts about New York Life... Variable Universal Life Accumulator Issuing company Issue ages 0-80 New York Life Insurance and Annuity Corporation (NYLIAC), A Delaware Corporation, a wholly owned

More information

Plan ahead. Live confidently.

Plan ahead. Live confidently. Plan ahead. Live confidently. PHOENIX REMEMBRANCE LIFE Whole life final expense insurance with living benefits How Will You Be Remembered? Life is uncertain. But, while it s impossible to know what the

More information

Absolute Assignment: The irrevocable transfer of ownership of a life insurance policy from one person to another.

Absolute Assignment: The irrevocable transfer of ownership of a life insurance policy from one person to another. Life Insurance Terms Absolute Assignment: The irrevocable transfer of ownership of a life insurance policy from one person to another. Accelerated Benefits: Allows for the policyholder to receive their

More information

Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits. Producer Guide

Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits. Producer Guide Help your clients manage chronic illness costs with life insurance. Chronic Illness Rider Optional Living Benefits Producer Guide Life insurance can leave a legacy. It can provide a living benefit too.

More information

FOUNDATIONAL LIFE FOUNDATIONAL LIFE. Representative Guide

FOUNDATIONAL LIFE FOUNDATIONAL LIFE. Representative Guide FOUNDATIONAL LIFE FOUNDATIONAL LIFE Representative Guide Contents What is Foundational Life insurance?............................. 3 Why is it Unique?...................................................

More information

Living benefits included at no additional premium cost

Living benefits included at no additional premium cost Living benefits included at no additional premium cost TERM LIFE INSURANCE OFFERED BY: Alliance Marketing Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio

More information

OVERALL RIDER INFORMATION

OVERALL RIDER INFORMATION CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS FAST FACTS Benefi taccess Rider The BenefitAccess Rider (BenefitAccess) is an accelerated death benefit rider that advances up to 100% of the policy s death

More information

Pacific PremierCare Advantage

Pacific PremierCare Advantage Pacific Life Insurance Company Pacific PremierCare Advantage Universal Life Insurance with Long-Term Care Benefits 1 Client Guide 1 Pacific Life Insurance Company s Pacific PremierCare Advantage (Policy

More information

Term Life Insurance Illustration

Term Life Insurance Illustration Term Life Insurance Illustration Prepared For: Sample CIAB Prepared By: Valued Advisor Individual Commercial Brokerag 100 Enterprise Drive Rockaway, NJ 07866 ph: 800-422-0696 lic #: 1174278 1 Life Insurance

More information

Low cost universal life insurance

Low cost universal life insurance Low cost universal life insurance Marketing Guide For agent use only. Not to be used for consumer solicitation purposes. Marketing Custom TermGUL Many people like the idea of permanent life insurance

More information

Variable Universal Life Accumulator Plus

Variable Universal Life Accumulator Plus Just the facts about New York Life... Variable Universal Life Accumulator Plus Issuing company Issue ages 0-80 Minimum face amount New York Life Insurance and Annuity Corporation (NYLIAC), A Delaware Corporation,

More information

QUICK FACTS. Long Term Care Rider. TransACE Long Term Care Rider At-A-Glance

QUICK FACTS. Long Term Care Rider. TransACE Long Term Care Rider At-A-Glance Long Term Care Rider Overview TransACE Long Term Care Rider QUICK FACTS The Long Term Care (LTC) Rider provides for the acceleration of life insurance death benefits on an indemnity basis if the insured

More information

No Professional Care Required. No Waiting Period. No Professional Care Required. No Waiting Period

No Professional Care Required. No Waiting Period. No Professional Care Required. No Waiting Period Life Insurance with Access Rider: A Competitive Comparison Many prominent carriers offer products that provide death benefit and chronic illness care protection. Which product or carrier is appropriate

More information

LifeFund. Life s biggest financial. questions answered. in one LifeFund. Now, go live. A living life plan. Equity Index. Life Insurance Policy M3413

LifeFund. Life s biggest financial. questions answered. in one LifeFund. Now, go live. A living life plan. Equity Index. Life Insurance Policy M3413 Life s biggest financial questions answered in one LifeFund. Now, go live. Equity Index LifeFund A living life plan. SM M343 Page of 2 Equity Index LifeFund Life insurance for the 2st century. Traditional

More information

Lifetime Income Benefit Rider

Lifetime Income Benefit Rider for a secure Retirement Lifetime Income Benefit Rider (ICC13 R-LIBR.1)* with Enhanced Death(13Benefit or R-LIBR-EDB.1)* Wellbeing Rider (13 R-LIBR-W.1)* for use with Fixed Indexed Annuities Included automatically

More information

Living benefits included at no additional premium cost

Living benefits included at no additional premium cost Living benefits included at no additional premium cost TERM LIFE INSURANCE OFFERED BY: Alliance Marketing Group LC, is an independent contractor representing Western Reserve Life Assurance Co. of Ohio

More information

VantagePoint SM. Genworth Life and Annuity Insurance Company Genworth Life Insurance Company. with Return of Premium. Underwritten by: Lynchburg, VA

VantagePoint SM. Genworth Life and Annuity Insurance Company Genworth Life Insurance Company. with Return of Premium. Underwritten by: Lynchburg, VA VantagePoint SM Term Life Insurance with Return of Premium Underwritten by: Genworth Life and Annuity Insurance Company Genworth Life Insurance Company Lynchburg, VA 44453 10/27/08 Why you need life insurance?

More information

Make your LIFE insurance

Make your LIFE insurance Lincoln LifeEnhance SM Accelerated Benefits Rider Make your LIFE insurance do more Turn your variable universal life policy death benefit into a living benefit The Lincoln National Life Insurance Company

More information

A solution offering much more than life insurance.

A solution offering much more than life insurance. AdvanceSource accelerated benefit A solution offering much more than life insurance. The purpose of this communication is the solicitation of insurance. Contact will 291251-D be made by an insurance agent,

More information

ANICO Executive Universal Life

ANICO Executive Universal Life ANICO Executive Universal Life Putting The Pieces Together For Life A Universal Life Insurance Product Issued By American National Insurance Company Galveston, TX ANICO Executive Universal Life Putting

More information

Term Life Insurance Illustration

Term Life Insurance Illustration Term Life Insurance Illustration Prepared For: Client Prepared By: TIM FULLER SPECIAL RISK SERVICES 6901 S. PIERCE ST LITTLETON, CO 80128 ph: 303-309-3471 fax: 303-309-3470 lic #: 9999999 1 Life Insurance

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

AG ROP Select-a-Term Level-Premium Endowment Term Insurance FINANCIAL PROFESSIONAL GUIDE

AG ROP Select-a-Term Level-Premium Endowment Term Insurance FINANCIAL PROFESSIONAL GUIDE AG ROP Select-a-Term Level-Premium Endowment Term Insurance FINANCIAL PROFESSIONAL GUIDE Policies issued by: American General Life Insurance Company FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

More information

AIG Select-a-Term SM. Life on Your Terms. American General Life Insurance Company

AIG Select-a-Term SM. Life on Your Terms. American General Life Insurance Company AIG Select-a-Term SM Life on Your Terms Level-Premium Term Insurance with 10-, 12-15- 16-17- 18-19- 20-21- 22-23- 24-25- 26-27- 28-29- and 30-Year Term Periods Pricing effective April 27, 2007 Policies

More information

Premium protection. Premium returns. Pick your term.

Premium protection. Premium returns. Pick your term. AIG ROP Select-a-Term SM Premium protection. Premium returns. Pick your term. Policies issued by: American General Life Insurance Company (American General Life) The United States Life Insurance Company

More information

Everyone deserves a better Tomorrow.

Everyone deserves a better Tomorrow. Underwritten by Transamerica Life Insurance Company Customer Service: 1-888-763-7474 or www.tebcs.com Everyone deserves a better Tomorrow. Trans Select 20 is term life insurance that can help protect your

More information

West Coast Life Focus SM Term Life Insurance

West Coast Life Focus SM Term Life Insurance West Coast Life Focus SM Term Life Insurance Product Guide WCLLC.1068 (06.09) Why is life insurance important? How Do You Compare to Other Americans? All facts are from LIMRA International s Facts About

More information

PLC.9359 (12.13) UL INDEXED UNIVERSAL LIFE INSURANCE Product Guide Protective Indexed Choice

PLC.9359 (12.13) UL INDEXED UNIVERSAL LIFE INSURANCE Product Guide Protective Indexed Choice PLC.9359 (12.13) SM UL INDEXED UNIVERSAL LIFE INSURANCE Product Guide Protective Indexed Choice You need life insurance to provide financial protection for your loved ones. But you also understand the

More information

Pacific PremierCare Advantage Multi-Pay Fixed Premium Universal Life Insurance with Long-Term Care Benefits 1

Pacific PremierCare Advantage Multi-Pay Fixed Premium Universal Life Insurance with Long-Term Care Benefits 1 Client Guide Pacific Life Insurance Company Pacific PremierCare Advantage Multi-Pay Fixed Premium Universal Life Insurance with Long-Term Care Benefits 1 LOCKABLE BENEFITS with 1 Pacific Life Insurance

More information

WRL Financial Foundation IUL SM

WRL Financial Foundation IUL SM WRL Financial Foundation IUL SM Index Universal Life Insurance Agent Guide AG06113-07/13 Western Reserve Life Assurance Co. of Ohio Thank you for your interest in the WRL Financial Foundation IUL offered

More information

100/44/0/0 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Universal Life Insurance

100/44/0/0 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10. Universal Life Insurance 100/44/0/0 0/0/0/100 0/0/0/0 100/68/0/31 100/65/30/70 60/20/5/10 Universal Life Insurance You have a picture of the way you want your life to go. Now imagine if something happens that not only changes

More information

LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most TECHNICAL GUIDE

LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most TECHNICAL GUIDE TECHNICAL GUIDE LONG-TERM CARE RIDER An Accelerated Death Benefit Rider Protection when you need it most FOR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC. Table of Contents Product Overview... 2 Accelerating

More information

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review

Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Prepared for: Your Client

More information

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide AG05113-01/12 Western Reserve Life Assurance Co. of Ohio Thank you for your interest

More information

Value+ Protector Index Universal Life Insurance

Value+ Protector Index Universal Life Insurance Value+ Protector Index Universal Life Insurance Long-term financial protection and value at a market-leading price PROTECTION VALUE STABILITY ACCESS Help provide security for beneficiaries Receive extended

More information

VUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company

VUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company VUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company VULNLG-2015 FOR USE IN CA ONLY. ABOUT THIS BROCHURE This brochure provides an overview of the key features of VUL Protector

More information

Custom TermGUL (Cash Value Accumulation Test) A Universal Life Insurance Policy Illustration

Custom TermGUL (Cash Value Accumulation Test) A Universal Life Insurance Policy Illustration EXPLANATION OF POLICY ILLUSTRATION Plan Description Important Facts About This Illustration Custom TermGUL is a universal life product, issued on form series LS167, that provides a death benefit upon the

More information