CATCH THE EXCITEMENT!

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Are you living the life you choose?

orAre you allowing others to

make choices for you?

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All that a winner wants is an

Opportunity

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A map to financial independenceWith minimal capital investment

You control your destiny• Work when you want• Work where you want• Work with whom you want• Work as hard as you want

The Focus On Your Future Program Is A Unique

Opportunity

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OpportunityOpportunity for unlimited growth!

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Financial Opportunity

Annualized commissions for personally produced business Unlimited territory Non-captive contracts Bonuses

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History of American General Life and Accident Insurance Company American General Life and Accident Insurance Company (AGLA) is the

product of the consolidation of two large insurers, The National Life and Accident Insurance Company and Life and Casualty Insurance Company of

Tennessee, along with a number of other insurance companies. AGLA’s roots run deep.

First incorporated in 1900, The National Life and Accident Insurance Company was a stalwart pillar of the Nashville, Tennessee community.

The National Life and Accident provided insurance to millions of Americans of modest means and was known for visiting in tens of

thousands of living rooms weekly via its Grand Ole Opry® program on its clear channel radio station, WSM. It also owned a Nashville television

station, now known as WSMV.Life and Casualty Insurance Company of Tennessee was also a notable

part of the Nashville business community with its competing radio station, WLAC, and competing television station, now known as WTVF.

The Life & Casualty Tower in downtown Nashville, once the tallest building in the southeastern United States and blazoned with the

trademark L&C logo, remains to this day as an enduring reminder of L&C’s importance to its home town.

Today, AGLA provides a wide variety of affordable and innovative life insurance, annuity, accident and supplemental health insurance products

to millions of Americans. AGLA is known for its highly differentiated Quality of Life…Insurance® product suite, personal customer service and

a tradition of excellence spanning more than a century.

9For agent use onlyNot approved for the general public in sale of insuranceNot all products are approved in all states

AGLA PRODUCT PORTFOLIO

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Quality of Life…Insurance® …for every client need

At AGLA, we offer a broad array of innovative life, accident, and annuity products to meet just about any financial need. Whether your clients’ goal is

creating financial stability for loved ones or retirement security for themselves, AGLA is committed to meeting their needs and objectives… along with the needs and objectives of our more than 3 million customers

across the country.

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Quality of Life…Insurance® …for every client need

At AGLA, we offer a broad array of innovative life, accident, and annuity products to meet just about any financial need. Whether your clients’ goal is

creating financial stability for loved ones or retirement security for themselves, AGLA is committed to meeting their needs and objectives… along with the needs and objectives of our more than 3 million customers

across the country.

Our portfolio of Term, Universal, and Indexed Universal Life products are not only designed to meet life’s unforeseen circumstances, but also to help customers prepare for planned life events such as college funding, taking a

dream vacation, or securing a comfortable retirement.

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For younger insureds and families just starting out, we offer a range of life and accident policies that can be tailored to meet specific needs, including:

• Low-premium products offering protection for individuals and families who need death benefit and income protection now, but who also need to live on a budget. These products are also ideal for mortgage protection, college funding, and income replacement.

• Riders offering protection against the costs associated with a critical, chronic, or terminal illness.1

• Universal Life policies offering a minimum 3% tax-deferred interest crediting rate on cash values

• An option to convert a policy to “Paid-up” status, requiring no further premium payments.

• Adjustable premium payments and amounts of insurance coverage as needs change.

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For couples and parents, business owners and individuals who want access to accumulated cash values in case of emergencies or to use for future events, we offer

policies that provide:• High cash value accumulation on an income tax-deferred basis.• An optional no-lapse guarantee rider, ensuring protection when it is

needed most.1

• A 5% interest crediting rate guarantee for the first seven policy years, ideal for jump-starting a long-term cash accumulation plan.

• Guaranteed asset growth and protection on “excess” premiums. Excess premiums earn a guaranteed, tax-deferred interest rate of 5% and are not subject to surrender penalties.

• Potential for excellent cash value accumulation to assist with emergencies, college funding, purchasing a home, taking a dream vacation, or supplementing retirement income.

• Protection for cash values against market ups and downs.• An option to convert a policy to “Paid-up” status, requiring no further

premium payments.

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For older insureds who are concerned about protecting assets from income and estate taxes, and who want to pass their assets on to their heirs tax-efficiently and free from the

delays and publicity of probate, we offer:

• Policies designed to maximize estate preservation and assist with wealth distribution strategies.

• Guaranteed coverage for life.• Guaranteed asset growth and protection on “excess” premiums. Excess

premiums earn a guaranteed, tax-deferred interest rate of 5% and may be withdrawn – in a lump sum or as part of a retirement distribution strategy – free from surrender penalties. This gives retirement age clients the option of growing, protecting and supplementing their income on a tax-deferred basis.

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We also offer products that combine the traditional protections of Whole and Universal Life, with cash value growth tied to the performance of the equity markets.

 

• Strong, stable life insurance that offers policy owners and their families lifetime financial protection due to premature death.

• Potential to grow attractive cash values over time based on “indexing strategies” that are tied in part to the movement of the S&P 500®.

• Access to living benefits – accelerated, tax-free payments from the policy’s death benefit – for policyholders who are diagnosed with a qualifying critical, chronic or terminal illness during their lifetime.

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And for individuals who need a highly flexible and affordable term life insurance product for specific periods of time other than the industry-standard 15, 20 or 25 years, we offer Term

policies with a wide range of features and benefits including: 

• Multiple Level Term periods from 15 – 35 years.• Competitive Premiums.• The option to convert to Permanent Coverage without evidence of

insurability during the policy’s conversion period, plus a “conversion credit” equal to premiums paid at conversion.

• Coverages for juveniles (to age 19) and seniors (to age 80) at affordable rates.

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Our products also come with an optional Disability Income Rider1 designed to provide monthly income in the event of a qualifying disability.

 

• Available on all traditional UL and Indexed UL policies.• Two and Five-year coverage options.• Up to $5,000 per month benefit amount• Non Cancelable• “Own-Occupation” coverage for first two years

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AGLA SelectChoice Accelerated Benefit Rider 

 

The AGLA SelectChoice Accelerated Benefit Rider (ABR) allows the policy owner to receive a portion of the Insured Person’s life insurance benefit during the Insured Person’s lifetime, upon submission of required documentation regarding a Qualifying Event.* • Helps to protect against the costs, expenses, and financial hardships that

often follow a qualifying Chronic, Critical and Terminal Illness• Pays an optional Defined or Flexible Accelerated Benefit in the event of a

Qualifying Event*

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What is a “Qualifying Event?” 

 A Qualifying Chronic Illness is an illness or physical condition that was initially certified by a licensed healthcare practitioner within the past 12 months and permanently affects the Insured Person so that he or she is unable to perform at least two of the six Activities of Daily Living (ADLs); or requires substantial supervision by another person to protect the Insured Person from threats to health and safety due to severe cognitive impairment. The six ADLs include: Bathing, Dressing, Toileting, Transferring, Continence, Eating Qualifying Critical Illnesses or conditions covered under the rider include the following:• Major Heart Attack• Coronary Artery Bypass• Stroke• Invasive Cancer• Blood Cancers: Leukemia, Lymphoma, and Multiple Myeloma• Major Organ Transplant• End Stage Renal Failure• Paralysis• Coma• Severe Burn

A Qualifying Terminal Illness is an illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification.

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The AGLA SelectChoice Accelerated Benefit Rider is designed to provide two types of accelerated benefits: a Defined Accelerated Benefit (DAB) and a Flexible Accelerated Benefit (FAB).• The Defined Accelerated Benefit (DAB) is an optional benefit that provides for payment of a predetermined portion of

the applicable life insurance benefit upon the occurrence of a Qualifying Event. The DAB for the initial Qualifying Event, where a claim is made, is determined as a fixed percentage of between 5% -15% of the maximum applicable life insurance benefit that can be accelerated under the policy. The DAB for a subsequent Qualifying Event is calculated using a reduced percentage (20% of the initial DAB percentage). There will be a charge for the rider if the DAB percentage is greater than zero.

• The Flexible Accelerated Benefit (FAB) provides for acceleration of all or a portion of the remaining life insurance benefit that may be accelerated after any DAB is paid. Any portion of the life insurance benefit that is elected to be accelerated as a FAB is subject to an actuarial discount, administrative charge, and payment of any unpaid but due policy premiums and will always be less than the portion of the base life insurance benefit accelerated.

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The amount offered as a FAB will, in significant part, be dependent upon any change in mortality of the Insured Person in question between the time the applicable life insurance policy with the FAB was underwritten and the time any particular FAB claim is filed and considered. Changes in health and other factors will have varying effects on the mortality of different Insured Persons. Circumstances will vary among individual Insured Persons. The amount offered as a FAB is determined by the company after a claim is submitted and, when accepted, is payable to the Owner as a lump sum. Please note: The life insurance offered with the Accelerated Benefit Rider is not stand-alone long term care insurance, disability income insurance or other insurance designed to cover specific costs associated with an illness or condition.  Receiving benefits under the rider will reduce the amounts available for future acceleration under it and any other Accelerated Benefit Rider attached to the policy. It will also reduce the base life insurance benefit and the funds available to supplement retirement or other needs. In some cases, such reductions can result in policy termination.  The benefits paid under the rider may be less than what is needed to cover all of the costs associated with an illness or condition. Even though accumulated cash value may be available to supplement retirement, it should not be relied upon as a significant source of retirement income. Rider benefits and structure may differ in some states, including California. Contact AGLA for additional information. 

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Financial IndependenceBuild personal wealth through a

Unique agency building opportunity

For agent use only

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Levels of Compensation

Personal Production………………… 80%

Sponsored Agent Bonus…………… 10%

For agent use only

** Agents who pay for $30,000 of net weighted annual premium will receive an additional 20% bonus on any paid production above the 30k of net weighted annual premium.

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Down Line Bonuses

$1,000 of annualized premium paid monthly ($3,000 per quarter)

Qualifies you for additional bonuses

For agent use only

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Down Line BonusesLevels of Compensation

Personal Production………………..80%

Sponsored Agent Bonus…………...10%

2nd Generation Bonus……………… 5%

3rd Generation Bonus……………… 1%

4th Generation Bonus……………… 2%

5th Generation Bonus……………… 2%

For agent use only

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Down Line Income ExampleExample: you produced $1,000 of annualized premium. You are at a 80% commission level. Based on

this example your monthly income would be $800

Let’s assume you sponsor five agents. Those five agents would become your 1st generation. Let’s also assume that only three agents are sponsored by each agent there after.

PremiumLevel Agents Annualized Bonus% Monthly Income1st Generation 5 $5,000 10% $5002nd Generation* 15 $15,000 5% $7503rd Generation* 45 $45,000 1% $4504th Generation* 135 $135,000 2% $2,7005th Generation* 405 $405,000 2% $8,100

Total Monthly Income: $13,300*This is an illustration only. It does not guarantee future income. You must pay for a minimum of $3,000

annualized premium per quarter to obtain 2nd through 5th generation bonuses. If your bonus is missed

one quarter, it can be picked up again by producing $3,000 paid annualized premium the next

quarter. Agents quarter starts first full calendar quarter after contracted. Above income examples are assuming all premiums are paid annually. Premiums paid by other modes will net you the same income over a rolling twelve months.

For additional income examples please use our income calculator.

For agent use only

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The Payoff• Career satisfaction

• Long-term independence

• Career relationships

• Financial independence

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Success or Survival

It’s not by chance

It’s your choice!

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Now that you have time,

let time work for you.

Take action today!

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To continue your journey

speak to your sponsor or

contact our marketing office at:

1-800-776-1232