QoL Flex Term
QoL Flex Term: Affordable coverage today with enhanced options for future life stages
QoL Flex Term life insurance, issued by American General Life Insurance Company (AGL) a member of American International Group, Inc. (AIG), offers the ability to affordably cover multiple needs using a modern, competitively priced term life insurance product. QoL Flex Term differs from many other term products in that it offers built-in, Accelerated Benefit Riders that can assist financially in the event of a qualifying chronic, critical or terminal illness.
QoL Flex Term is an attractive value when purchased as a stand-alone policy; however you may also combine a QoL Flex Term policy with a qualifying UL policy to strengthen your protection. Should you choose to “bundle” these policies, you will qualify for the QoL Advantage program. This program gives you lower premiums and fee reductions on qualifying Universal Life policies.
What's your story?
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
Needs
a. Replacing work income
b. Paying off mortgage or other debt
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
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
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
Learn more about QoL Flex Term
Download the following resources for more information about the features and benefits of QoL Flex Term.
QoL Flex Term (PDF opens in a new window)
QoL SelectChoice II Accelerated Benefit Riders (PDF opens in a new window)
FAQs
QoL Flex Term insurance allows you to customize your coverage to help meet your needs by featuring; a 10 year duration plus any duration between 15-35 years depending on when you purchase the policy and it can be converted into a permanent insurance policy with certain provisions. It also features our built-in, accelerated benefits in the event you are diagnosed with a qualifying chronic, critical or terminal illness.
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 your life today and tomorrow. You may be a candidate for QoL Flex Term if you need an affordable, flexible and guaranteed insurance product.
QoL Flex Term is available in all states except NY. If the policy is not yet available in your state, please check back as we expand availability.
Tell us more about you and how we can help you on your life journey.
Don’t count the days. Make the days count.
— Muhammad Ali