1. What if you could knock out three birds with one stone?
What if you could knock out three birds with one stone?
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Policies issued by American General Life Insurance Company ("AGL“)

2. What if you could buy permanent life insurance, guaranteed to age 100 WITH a chronic illness benefit where you can:
Pay premiums for 10 YEARS;
Wait for 10 YEARS; and
Get your money back over 10 YEARS
as a supplemental retirement benefit.
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3. Term insurance is the most popular form of life insurance policy.
Inexpensive up front
BUT—only provides temporary coverage
Guaranteed Universal Life (GUL) is one of the most secure and economical options
‘no frill’—offering few additional benefits
QoL Guarantee Plus GUL II provides innovative extras!
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4. Looking for $1 million of coverage for his family
George, 50 years old
Looking for $1 million of coverage for his family
Wants to provide life insurance for his spouse well into retirement, but sees that need dropping as he approaches the latter retirement years
He is also concerned about the impact of a chronic illness on his retirement
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Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the features might work. It does not reflect the value of any specific policy. Restrictions and limitations apply.
For the purpose of easing the explanation, all numbers have been rounded. The QoL Guarantee Plus II product solution is based on an illustration dated 12/07/18 for a 50 year old male, preferred non-tobacco with premiums paid for 10 years and a death benefit guaranteed to age 100. The policy included the approximately $25,000 of Lifestyle Income Solution rider, beginning at age 70 and a 100% Accelerated Access Solution rider with a 2% monthly benefit.

5. He pays $26k per year for 10 years Then, he pays nothing for 10 years
Next, he takes $26k per year out of the policy for 10 years (tax free!) using the CustomerChoice Lifestyle Income Solution rider!
The withdrawal reduces the life insurance coverage to $380,000
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Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the features might work. It does not reflect the value of any specific policy. Restrictions and limitations apply.
For the purpose of easing the explanation, all numbers have been rounded. The QoL Guarantee Plus II product solution is based on an illustration dated 12/07/18 for a 50 year old male, preferred non-tobacco with premiums paid for 10 years and a death benefit guaranteed to age 100. The policy included the approximately $25,000 of Lifestyle Income Solution rider, beginning at age 70 and a 100% Accelerated Access Solution rider with a 2% monthly benefit.

6. Quick Ticket—Paramed completed part B eApp—Agent completed part B
Read slide
Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the features might work. It does not reflect the value of any specific policy. Restrictions and limitations apply.
For the purpose of easing the explanation, all numbers have been rounded. The QoL Guarantee Plus II product solution is based on an illustration dated 12/07/18 for a 50 year old male, preferred non-tobacco with premiums paid for 10 years and a death benefit guaranteed to age 100. The policy included the approximately $25,000 of Lifestyle Income Solution rider, beginning at age 70 and a 100% Accelerated Access Solution rider with a 2% monthly benefit.

7. Quick Ticket—Paramed completed part B eApp—Agent completed part B
Read slide
Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the features might work. It does not reflect the value of any specific policy. Restrictions and limitations apply.
For the purpose of easing the explanation, all numbers have been rounded. The QoL Guarantee Plus II product solution is based on an illustration dated 12/07/18 for a 50 year old male, preferred non-tobacco with premiums paid for 10 years and a death benefit guaranteed to age 100. The policy included the approximately $25,000 of Lifestyle Income Solution rider, beginning at age 70 and a 100% Accelerated Access Solution rider with a 2% monthly benefit.

8. Questions
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9. Important Information
Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers ICC , ICC , ICC , ICC , 82012, 82410, 88390, ICC , 14306, ICC , ICC , ICC , ICC , ICC , ICC , ICC Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). 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. Guarantees are backed by the claims-paying ability of the issuing insurance company. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. This information is general in nature, may be subject to change, and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant. Please visit for important disclosures regarding accelerated benefit riders. © AIG All rights reserved AGLC REV1218 MC Job
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