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Quality of Life. . .Insurance: Because no two lives are the same…

 

Quality of Life. . .Insurance® is a suite of life insurance products, issued by American General Life Insurance Company (AGL) a member of American International Group, Inc. (AIG), with the flexibility to help meet many needs, including:

•    Protecting your loved ones upon your passing

•    Supplementing retirement income

•    Accumulating cash value to help with a variety of financial needs

•    Responding to the costs of qualifying chronic, critical or terminal illnesses or conditions

In addition to these options, Quality of Life. . .Insurance allows you to choose coverage and premium payment amounts, coverage duration and optional features and benefits.1

…and you don’t know what your next life stage will bring

For many, quality of life can be enhanced by the confidence that comes with worrying less about tomorrow. What gives people this confidence? Being prepared.
 

Quality of Life. . .Insurance product suite offers features and benefits that can help protect you and your family from unexpected death, unforeseen illnesses and insufficient retirement income.

What’s your story?

Young couple

Needs

a. Replacing work income

b. Paying off a car, college education or debts

c. Saving for kid's education

d. Saving for retirement

Potential insurance solutions

a. Term life insurance

b. Term life insurance

c. Life insurance with cash value

d. Life insurance with cash value

Young family

Needs

a. Replacing work income

b. Paying off mortgage or other debts

c. Paying for kid's education

d. Retirement savings

Potential insurance solutions

a. Guaranteed permanent life insurance

b. Term life insurance

c. Life insurance with cash value

d. Life insurance with cash value

College graduate

Needs

a. Replacing work income

b. Paying off mortgage or other debt

c. Aging parent's care

d. Supplementing retirement savings

Potential insurance solutions

a. Guaranteed permanent life insurance

b. Term life insurance

c. Parent’s life insurance with living benefit riders

d. Life insurance with cash value

Retirement

Needs

a. Outliving your retirement assets

b. Offsetting reduced Social Security if spouse dies

c. Aging parent's care

d. Leaving a legacy for your children and grandchildren

Potential insurance solutions

a. Longevity insurance

b. Guaranteed permanent life insurance

c. Parent’s life insurance with living benefit riders

d. Guaranteed permanent life insurance

Tell us more about you and how we can help you on your life journey.

Learn more about Quality of Life. . .Insurance

Download the following resources for more information about the features and benefits of Quality of Life. . .Insurance.

Important Consumer Disclosures Regarding Accelerated Benefit Riders

FAQs

It’s never too early to establish and fund your long-term life insurance strategy. In fact, life insurance costs are usually lower at younger ages. Life events, such as marriage, the birth of a child or a desire to create a legacy, can trigger a need for additional life insurance. 

Life insurance is often much less expensive than most people realize. Policies are available to suit nearly any need or budget. If budget is an issue, you may want to consider starting small or with term insurance then add coverage as your needs change and your income grows.1

Many factors must be considered – including your age, your health, your needs, goals and budget. Your licensed insurance professional can guide you through a discovery process and help you make an informed decision.

It’s beneficial to review your life insurance policies with your agent during important life events such as; getting married, having a baby, divorce, the death of a spouse or on an annual basis to insure you stay focused on your financial plan.

Leaving assets to special needs children could disqualify them from receiving government benefits, such as Medicaid, Supplemental Social Security Income or Social Security Disability Income Insurance. One potential solution is to leave the assets to a Special Needs Trust for the benefit of the child. Structured properly, this trust can enable the child to qualify for government benefits.2

Quality of Life. . .Insurance is a suite of life insurance products. In addition to needed life insurance protection, it also offers no-cost living benefits through QoL® Accelerated Benefit Riders. If you suffer a qualifying event, the QoL Accelerated Benefit Riders can provide an advance of your policy’s death benefit to cover the costs of care, recoup lost income or any other purpose.

Quality of Life. . .Insurance also offers:

•   The flexibility to choose your coverage amount and duration, even up to your full lifetime.

•   A supplemental retirement income rider that can help protect you against outliving your savings.*

•   The option to accumulate cash value within the policy** that you can access, typically on a tax-preferred basis.

•   The option to add additional discounted term coverage for yourself, your spouse or your children.1
 

* Feature available on QoL Guarantee Plus

** Feature available on QoL Guarantee Plus, QoL Index Plus II and QoL Performer Plus

Some life insurance policies offer options that provide benefits to help with medical expenses, retirement or other life events. Since you don’t have to die to receive these benefits, they’re called "living benefits." Quality of Life. . .Insurance products include living benefits at no additional charge. These benefits can help make an impact on your lifelong security and peace of mind.

A licensed insurance professional can help you determine which Quality of Life. . .Insurance option may be right for you. Recommendations will be based on a number of factors, including your age, income, current life stage and future financial objectives. Your insurance professional will want to know what’s important to you today and your goals for tomorrow.

1 Subject to conditions and limitations.
2 Consult your own lawyer for information.

 

 

 

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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 features may vary by state. Refer to contract for complete details.