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QoL Max Accumulator+: A complete policy for life’s challenges and opportunities

Preparing for the uncertainties of the future means having many options available when you need them. QoL Max Accumulator+, issued by American General Life Insurance Company (AGL) a member of American International Group, Inc. (AIG), has you covered. This innovative policy can provide life insurance protection, benefits for illness, supplemental retirement income and long-term wealth accumulation all in one policy.

 

QoL Max Accumulator+ builds cash value that you can access in a number of ways. Its cash accumulation potential is typically greater than a traditional universal life policy, but safeguarded against market downtowns. That's because an IUL policy offers the potential to credit interest based in part on the upward movement of a stock market index.1 QoL Max Accumulator+ also includes built-in accelerated benefit riders in the event of a qualifying chronic, critical or terminal illness, plus an optional rider for additional resources for qualifying chronic illness.*

What does your road to retirement look like?

Did you know that an index universal life insurance can help provide tax-free income over time? You can later withdraw cash value or borrow against the policy for any reason–like supplementing retirement income, starting a business, paying for college or a wedding or even going on vacation. This video explains how an IUL policy works so you can start planning your road to retirement.

Discover QoL Life to the Max!

Take a test drive

An interactive, educational website that shares solutions to potential challenges a successful retirement can face. Includes interactive scenarios and solutions to help you choose your road to retirement. 

Index Universal Life: A tax-free asset

You understand the potential benefits of diversification for your retirement portfolio among different asset classes. But you may want to also consider diversifying based on the tax treatment of retirement assets. This video explains how an index life insurance policy like QoL Max Accumulator+ can potentially reduce your tax liabilities in retirement to increase your net 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 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 Max Accumulator+

Download the following resources for more information about the features and benefits of QoL Max Accumulator+.

Important Consumer Disclosures Regarding Accelerated Benefit Riders

FAQs


Wealth isn’t just for retirement anymore. Near-term goals, such as college, starting a business or buying that vacation home on the lake, also require the ability to accumulate and access wealth. A licensed insurance professional can show you how to build a strategy that can help achieve your goals, now and in the future.


Figure your costs of living then dream a little. Will you travel? Will you have a second home? Do you enjoy dining out and entertaining? Ask your licensed insurance professional about a calculator that can help project your retirement income needs.

Market swings can cause sleepless nights, especially as you get closer to retirement. QoL Max Accumulator+ provides different interest crediting method options to help protect you from the uncertainties of the markets.3

Index Universal Life (IUL) products credit interest to the policy based in part on the upward movement of a market index, such as the S&P 500®. IUL products also offer downside protection, with a guaranteed minimum index interest crediting.4

QoL Max Accumulator+ is an index universal life insurance product that offers a unique combination of features and riders not currently available in any other single IUL policy. It provides the potential to earn index interest crediting based in part on an underlying index while providing downside market protection with four interest crediting accounts. It offers the potential to build cash value on a tax-deferred basis, which is available to you through withdrawals or loans from your policy.

Additional benefits include:

•  Accelerate death benefits up to a maximum of $2,000,000 with the built-in, no-cost QoL SelectChoice II accelerated benefit riders in the event you are faced with a qualifying chronic, critical or terminal illness.

•  The optional Accelerated Access Solution® rider allows you to increase your chronic illness coverage beyond the base policy up to $3,000,000 to address the concerns you may have about future medical expenses for chronic illness or long-term care.5

•  The Income for Life Rider, which uses the policy’s cash values to produce a guaranteed stream of lifetime income with optional annual cost-of-living increases.

•  The Select Income Rider gives you the ability to distribute the life insurance payment to your beneficiaries in monthly installments instead of a lump-sum payment.

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 Max Accumulator+ if you desire long-term financial protection with the opportunity to accumulate income for retirement.

QoL Max Accumulator+ is available in all states except; CT, FL, NY and VT. If the policy is not yet available in your state, please check back as we expand its availability.

1 QoL Max Accumulator is not an investment product. It is not invested directly in the stock market and cannot loose money from interest crediting strategy.

2 If a policy is planned to be a Modified Endowment Contract (MEC), please consult a tax advisor to confirm tax-free eligibility.

3 Subject to policy terms and conditions.

4 QoL Max Accumulator+ is not an investment product.

5 Requires an additional premium.

 

 

 

 

 
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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.