AG Secure Lifetime GUL universal life insurance offers you affordable death benefit coverage with flexible features that complement your financial plan and options that give you the power to customize your coverage. It also offers the guarantees¹ you can count on to provide the security you need for whatever life brings.

• Guaranteed death benefit
• Guaranteed cash value
• Guaranteed access

• With AG Secure Lifetime GUL, you select the amount of coverage, the duration of the policy’s death benefit guarantee, and the length of time you want to pay premiums based on your individual needs.^1,2
• AG Secure Lifetime GUL's continuation guarantee offers important flexibility in funding your life insurance policy. You will always know the specific amount of premium needed to guarantee the death benefit.
• The guaranteed cash value accumulation for AG Secure Lifetime GUL is clearly stated in your signed quote. You no longer need to be concerned about interest rate fluctuations or other factors that could impact the policy’s cash value.
• AG Secure Lifetime GUL also provides you the opportunity to build guaranteed cash value that can be accessed in the future through withdrawals.³Making a partial withdrawal of cash value will result in a proportional reduction of policy values and the death benefit amount, which also leads to an approximate proportional reduction in the guarantee premium.⁴

Available Riders
A selection of riders⁵ lets you both further enhance your own coverage and extend it to your family.²

• Accidental Death Benefit: Provides up to $200,000 in additional benefit if the insured’s death is accidental
• Children’s Insurance Benefit: Provides term insurance on dependent children up to age 25
• Spouse/Other Insured Rider: Provides level term insurance, up to two times the base policy’s death benefit, on the insured’s spouse
• Terminal Illness Rider: Provides accelerated death benefit if the insured is diagnosed with a terminal illness
• Waiver of Monthly Deduction Rider: Waives the monthly deduction for face amounts up to $5 million should the insured become totally disabled

¹Guarantees are subject to the claims-paying ability of the issuing insurance company.
²Subject to the policy’s terms and conditions.
³Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event.
⁴The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000.
⁵See the riders for complete details. There may be a charge for each rider you select. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.