AG Secure Lifetime GUL II guaranteed universal life insurance combines long-term financial security with the flexibility to adapt to changing needs. It offers Optionality - a combination of guarantees and flexibility. You select the coverage amount, the duration of the death benefit guarantee, and how long you want to pay premiums. You can build a guaranteed cash value that can be accessed through future withdrawals.1
In addition to guaranteed, lifetime life insurance protection, AG Secure Lifetime GUL II also helps to protect against outliving your retirement income with our Lifestyle Income SolutionSM. This solution was developed to help you preserve your standard of living in retirement by providing the option to receive a living benefit to help supplement your retirement income.
Choice of coverage amount, duration of death benefit, with length of time you pay premiums based on individual needs.1,2
Guaranteed cash value, independent of interest-rate fluctuations.
Opportunity to build cash value, accessible by withdrawal.3
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. 4Subject to the policy’s terms and conditions. See 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.
Policies issued by American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas 77019. AG Secure Lifetime GUL II policy form numbers 13460, ICC13-13460; Lifestyle Income Rider (Guaranteed Withdrawal Benefit Rider) form number 13972; The United States Life Insurance Company in the City of New York (US Life), AG Secure Lifetime GUL II policy form number 13460N, Lifestyle Income Rider (Guaranteed Withdrawal Benefit Rider) form number 13972N. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL and US Life are the issuing insurer’s responsibility. Guarantees are subject to the claims paying ability of the issuing insurance company. AGL does not solicit business in New York. American General Life Companies, www.americangerneral.com, is the marketing name for a group of affiliated domestic life insurers, including AGL and US Life.