1. Secure Lifetime GUL 3 Chronic Illness Rider – Non-Permanent Claim Accelerate Access Solution®
Agent
Title
Policies issued by American General Life Insurance Company (AGL)
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

2. Going On and OFF Claim with our Chronic Illness Rider – Accelerated Access Solution®
“Chronic” conditions
no longer need to be
considered “life-long”
in order to be eligible.
Now it is even easier
for clients to access the
money they need when
they are suffering from
a chronic condition
whether it is permanent
or non-permanent.
This sales concept helps to outline the benefits of Secure Lifetime GUL 3 and the available chronic illness rider, Accelerated Access Solution®.
First and foremost I want to be clear that: “Chronic” conditions no longer need to be considered “life-long” in order to be eligible. Now it is even easier for clients to access the money they need when they are suffering from a chronic condition whether it is permanent or non-permanent.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION

3. PROBLEM: Filing for non-permanent chronic illness
Luke (Age 55, Preferred Non Tobacco) is a licensed psychologist.
He purchased Chronic Illness protection from AIG never imagining that he would suffer from a stroke 5 years later at age 60.
His distraught wife, Danielle, has concerns about the well-being of the family. They have a son together that started college last year.
She can’t remember if the policy rider would apply to Luke’s condition and contacts their financial planner, Tom.
Luke (Age 55, Preferred Non Tobacco) is a licensed psychologist that absorbs the stress of his clients on a daily basis. Worried that his job responsibilities might lead to some
form of physical illness, Luke included chronic illness protection on his life insurance policy.
He never imagined five years later, at age 60, he would face the reality of a stroke. The stroke takes an emotional toll on the family.
His distraught wife, Danielle, has concerns about the well-being of the family. They have a son together that started college last year, so she is motivated to manage family emotions and family finances. Danielle remembers that Luke purchased a Chronic Illness rider on his policy. She just can’t remember if the policy rider would apply to Luke’s condition. Danielle quickly sets up a meeting with their financial planner, Tom.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy. Restrictions and limitations apply.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION

4. SOLUTION: Secure Lifetime GUL 3 Policy
Tom reminds Danielle that their Secure Lifetime GUL 3 policy along with the elected chronic illness rider called Accelerated Access Solution® does not require a chronic illness to be a life-long condition for eligibility.
Many carriers require the condition to be “life long” or permanent.
Tom Explains…
“Since Luke is unable to perform, without substantial assistance from another person, at least two of the Activities of Daily Living (ADLs) he will qualify for the following”:
1) Payment of Accelerated Access Solution benefits, which are designed to be received
income-tax-free.1
2) Monthly deductions will be waived for as long as the insured meets the chronic illness requirements.
3) The life insurance benefit will be reduced by each Accelerated Access Solution benefit amount paid to the policy owner.
4) At death, any remaining life insurance benefit will be paid to your policy beneficiary
Tom reminds Danielle that they were lucky enough to buy into a Secure Lifetime GUL 3 policy. Furthermore, they elected into a flexible chronic illness rider called Accelerated Access Solution® that does not require a chronic illness to be a life-long condition for eligibility.
Tom explains that many other carriers require the condition to be “life-long” or permanent.
Tom explains to Danielle that since Luke is unable to perform, without substantial assistance from another person, at least two of the Activities of Daily Living (ADLs) that he will qualify for the following:
1. Payment of Accelerated Access Solution benefits, which are designed to be received income-tax-free.1
2. Monthly deductions will be waived for as long as the insured meets the chronic illness requirements.
3. The life insurance benefit will be reduced by each Accelerated Access Solution benefit amount paid to the policy owner.
4. At death, any remaining life insurance benefit will be paid to your policy beneficiary income-tax-free.1
Footnote 1: Based on current federal income tax laws, policy owners should consult a qualified tax advisor.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy. Restrictions and limitations apply.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION

5. See BENEFIT chart on next page
BENEFIT: Accelerated Access Solution provides needed financial resources
Danielle and her family are relieved that this financial weight will be lifted off their shoulders
Accelerated Access Solution will benefit Luke and Danielle by providing them with the financial resources they need during Luke’s claim period.
Further, the policy stops deductions or premium charges (including base policy plus all riders) during this eligibility period.
Danielle and her family are relieved that this financial weight will be lifted off their shoulders.
The Accelerated Access Solution rider will benefit Luke and Danielle by providing them with the financial resources they need during Luke’s claim period. Further, the policy stops deductions or premium charges (including base policy plus all riders) during this eligibility period.
Let’s take a look at the benefit chart on the next page.
See BENEFIT chart on next page
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy. Restrictions and limitations apply.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION

6. Benefits and Coming OFF Claim
Let’s review the numbers.
Elected 50% Death Benefit and a 2% Monthly Payout. Premium - $12,280.
Goes on Claim for 2 years at age 60-62
Benefit Received - $240,000 ($10,000 x 24)
New Ongoing Guaranteed Premium - $10,174 (Premium reduced by over 17%)
New Ongoing Guaranteed Death Benefit - $760,000
Thankfully, due to improved health, Luke is able to come off claim 2 years later at the age of 62. His guarantees remain intact, there is no catch up premium and there is a prorata reduction and recalculation of premium on the remaining death benefit.
Thankfully, due to improved health, Luke is able to come off claim 2 years later at the age of 62. His guarantees remain intact, there is no catch up premium and there is a prorata reduction and recalculation of premium on the remaining death benefit.
This sample illustration must be preceded or accompanied by a basic illustration for the product described in this material. Please see the
basic illustration regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans,
withdrawals, death benefits and other important information.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy. Restrictions and limitations apply.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION

7. Important Information
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.
AGLC © 2017 AIG. All rights reserved.

8. Thank you for your time today.
American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange.
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AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION