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You’ve done all the right things to build a secure future for your loved ones. Let American General Life Insurance Company (American General Life) help you protect that future with our Elite Universal Life policy. In addition to solid death benefit protection, you’ll enjoy tax-deferred accumulation of your cash values1 for college tuition, retirement income, or as funds to start your own business. And it’s all backed by the financial stability and strength of American General Life, one of the most trusted names in the life insurance industry.
So go ahead and plan your future — we’ll help
you protect it.
- Flexible Death Benefit: Increase or decrease your death benefit to fit your changing needs. Increases and decreases are subject to the policy’s terms and conditions.
- Premium Payment Options: With Elite Universal Life, you can select a premium payment plan that fits your financial needs and goals. Pay the minimum premium to maintain your coverage based on today’s interest rates2, or make additional premium payments to accelerate the growth of your cash values.
- No-Lapse Guarantee: The Elite Universal Life policy is guaranteed to remain in force for 5 to 10 years from the issue date, regardless of its cash value, as long as the cumulative monthly guarantee premium requirement is met.3
- Tax-Deferred Growth: With Elite Universal Life, your cash values accumulate on a tax-deferred basis.1 Use these funds in the future to pay the policy’s premiums, let them offset interest rate fluctuations — or take them out in cash to finance your personal goals.4
- Issue Ages: 0 - 90
- Minimum Death Benefit: $100,000
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- Terminal Illness Rider: Offers a living benefit if the insured is diagnosed with a terminal illness
- Waiver of Premium: Waives the monthly guarantee premium or monthly deduction while the insured is disabled
- Accidental Death Benefit: Provides up to $200,000 in additional benefits if the insured’s death is accidental
- Children’s Insurance Benefit: Provides term insurance on dependent children up to issue age 19
- Spouse Annually Renewable Term: Provides level term insurance on the insured’s spouse, up to two times the base policy specified amount
- Maturity Extension: Allows extension of coverage beyond the original maturity date5
Get more information regarding Elite Universal Life and other American General life insurance products. 
1 Based on current federal income tax laws
2 Assuming interest rates remain sufficient to sustain policy value
3 Guarantees are subject to the claims-paying ability of the insurance company
4 Consult with your tax professional to determine if these transactions trigger a taxable event
5 Policies may be subject to tax consequences when continued beyond the maturity date. The policy may not qualify as life insurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option.
Policy issued by:
American General Life Insurance Company
A subsidiary company of American International Group, Inc., (AIG)
2727-A Allen Parkway, Houston, TX 77019
Policy Form Number – 05337
Terminal Illness Rider Form Number – 91401
Waiver of Monthly Deduction Rider Form Number – 82001
Accidental Death benefit Rider Form Number – 8201
Children’s Insurance benefit Rider Form Number – 82410
Spouse/Other Insured Term Rider Form Number – 88390
Maturity Extension Rider Form Number – 99110
The underwriting risks, financial obligations and support functions associated with the products issued by American General Life Insurance Company (American General Life) are its responsibility. AIG does not underwrite any insurance policies referenced herein. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. Policies and riders not available in all states.
