John Boone is 30 years old with a wife, two children and a mortgage. He is settling into his career and wants to make sure his family’s standard of living is protected in the event he dies prematurely.

He purchases a 35-year AG ROP Select-a-Term^SM policy that will insure him at a guaranteed level premium all the way into his 60s. In the likely event John lives and the policy remains in force to the end of the term period, he will receive money back to help him transition into retirement.¹

The cases presented are not actual and are for illustrative purposes only.
¹AG ROP Select-a-Term accumulates a cash value that first appears beginning the fifth policy year. At the end of the level term period, the cash value of the inforce policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings and riders and any outstanding loan balance. If your needs change and you surrender the policy, or convert it to our permanent insurance, you will receive the cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.