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QoL Guarantee Plus GUL II: Guaranteed coverage with enhanced options for tomorrow

You can be more prepared for the uncertainties in life with QoL Guarantee Plus GUL II,  issued by American General Life Insurance Company (AGL) a member of American International Group, Inc. (AIG). It’s a valuable guaranteed life insurance that can help meet your needs wherever you are in your life journey. With QoL Guarantee Plus GUL II, the death benefit is guaranteed — regardless of the policy’s cash value — assuming the required premiums have been paid. You can help assure that your family will be protected, your business will live on, or your charitable interests will be served.1


Plus, it’s available when you need it most! The built-in, no-cost QoL SelectChoice II Accelerated Benefit Riders can provide an advance of your policy’s death benefit to help cover the costs of care, recoup lost income or any other purpose should you suffer a qualifying chronic, critical, or terminal illness or condition. They also guarantee a minimum accelerated benefit based upon your policy and condition. These benefits can help make an impact on your lifelong security and peace of mind.


Optional riders are available to increase your chronic illness coverage or provide a supplemental source of guaranteed income should you outlive your savings.2


Enjoy life knowing you’ve planned and are prepared!

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 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

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 QoL Guarantee Plus GUL II

Download the following resources for more information about the features and benefits of QoL Guarantee Plus GUL II.

Important Consumer Disclosures Regarding Accelerated Benefit Riders

FAQs

With advances in wellness and medical technology, people are living longer than ever before. It sounds great, until you realize your retirement savings will have to live longer, too. That’s why our optional QoL CustomerChoice® Lifestyle Income Solution rider that guarantees a stream of income.3

Many retirees say that healthcare expenses – including long-term care – are among the greatest threat to their retirement savings.4 Our life insurance products include attractive features that provide supplemental income should you suffer a qualifying chronic, critical, or terminal illness.

Social Security may provide only a small percentage of pre-retirement income. As a result, there is often a gap between Social Security and the income needed to fund a satisfying lifestyle. Ask a licensed insurance professional about a retirement income gap calculator. Then discover how savings, retirement plan distributions and life insurance solutions can help fill the gap with needed supplemental income.

QoL Guarantee Plus GUL II offers the long-term guarantees you may need, plus additional benefits that can help enhance and protect your quality of life through future life stages, including:

•  Accelerate death benefits up to $2,000,000 in the event you are faced with a qualifying chronic, critical or terminal illness.

•  The optional Accelerated Access Solution® rider that allows you to increase your chronic illness coverage beyond the base policy to address the concerns you may have about future medical expenses for chronic illness or long-term care. 2

•  A Guaranteed Return of Premium feature that enables you to receive a percentage of your paid premiums based on when you surrender your policy, up to 40 percent of the policy’s face amount.2

•  The flexibility to choose your coverage amount and duration, even up to your full lifetime. 2

•  The option to add the QoL CustomerChoice Lifestyle Income Solution rider that can help protect you against outliving your retirement savings. 3


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 Guarantee Plus GUL II if you’re interested in guaranteed coverage and flexible benefits.

QoL Guarantee Plus GUL II is available in all states except NY. If the policy is not yet available in your state, please check back as we expand availability.

1 Guarantees are subject to the claims-paying ability of the insurer.

2 Subject to policy terms and conditions.

3 Requires an additional premium.

4 The 2Q11 SunAmerica Retirement Re-SetSM Study conducted by Harris Interactive surveyed a national sample of adults age 55+. 2011.

 

 

 

 
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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.