Introducing the
Accelerated Access Solution®
Optional Living Benefit Rider for AG Secure Lifetime GUL® II
Presented by…
Policies issued by American General Life Insurance Company, a member company of AIG
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
Product Availability
Value+ IUL
AG Secure Lifetime GUL II
AG Platinum Choice VUL
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Health Care Statistics You Should Know
About 91%
of older adults have at least one chronic condition,
and 73% have at least two.1
9 in 10 people
who go on long-term care claims do not recover.
Only 10% of the market would have what turns
out to be a non-permanent condition.2
4 in 5 people (80%)
live in private homes where about 80% of the care
is provided by family and friends.3
1National
Council on Aging: www.ncoa.org/improve-health/center-for-healthy-aging/chronic-disease, 2014
Department of Health and Human Services website: longtermcare.gov/the-basics/who-will-provide-your-care, 2014
3Congressional Budget Office based on data from Medicare Current Beneficiary Survey, Access to Care files,
2010.
2U.S.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Health Care Statistics You Should Know
$220,000 for out-of-pocket medical expenses
= the healthcare costs throughout retirement
for an average 65-year old couple retiring now1
73% of respondents
to a recent survey say serious health problems
are their major worry about living to 1002
1Fidelity
2The
Benefits Consulting study 6/11/2014
2Q11 SunAmerica Retirement Re-SetSM Study conducted by Harris Interactive surveyed a national sample of adults age 55+.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
A life insurance rider that can provide access to income tax-free death
benefits while the insured is living to help pay for expenses related to a
chronic illness.1
The funds can be used to help pay for:
Adult Daycare
Assisted Living
Family Care
Nursing Home Care
Virtually any expense,
even those unrelated to the illness
1Insured must be certified as chronically ill by a Licensed Health Care Practitioner and meet all eligibility requirements. Income tax free amounts are
subject to limitations under IRC section 101(g).
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
May be Ideal for Consumers:
 That know they need long-term life insurance protection
 Desire access to funds for potential future chronic care expenses
 Have experienced a recent care event with a family member or friend
 Living a healthy lifestyle but want options in the event their health
deteriorates
 Are reluctant to purchase stand-alone Long Term Care insurance
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Benefits of Accelerated Access Solution
 Available on AG Secure Lifetime GUL II
 No waiting period
– Benefits are available at the time the policy is issued
– Subject to 90-day elimination period
 Optionality in payouts
– Policy owner selects the monthly payout option that’s best for them
– THREE different choices available
• 2%; 4%; or per diem
 Guaranteed benefits
– No increases in rider costs or decreases in benefits paid due to
changing market conditions
 Waiver of monthly deduction
– Policy payments stop for as long as policy owner meets the chronic
illness requirement
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
More Benefits of Accelerated Access Solution
 Flexible options with total benefit amount
– select any amount between 50% -100% of the base policy death
benefit amount
 No receipts required
– Benefits paid irrespective of actual costs incurred
 Not a “use or lose it” policy
– Benefits are paid no matter what…either when the chronic illness
requirement is met or via death benefits
 Control over how money is spent
– Up to the policy holder how the funds are used, not restricted via the
policy
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Activation of the Accelerated Access Solution
To activate the rider, one of the following health impairment criteria
must be met:
1. Insured is unable to perform without substantial assistance from
another person two of the Activities of Daily Living (ADLs) and the
condition is expected to be permanent.*
Activities of Daily Living:
 Bathing
 Continence
 Dressing
 Eating
 Toileting
 Transferring
*Annual re-certification is required.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Activation of the Accelerated Access Solution
To activate the rider, one of the following health impairment
criteria must be met:
2.Insured requires substantial supervision from threats to health
and safety due to a severe cognitive impairment (similar to
Alzheimer’s and similar forms of irreversible dementia) that is
measured by clinical evidence and standardized tests that is
expected to be permanent* measuring:
– Short-term or long-term memory
– Orientation as to people, places or time
– Deductive or abstract reasoning
When one of the two criteria is met and
the 90 day elimination period is satisfied,
the monthly benefit payments begin.
*Annual re-certification is required.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Specifications
 101(g) Rider
– Chronic Illness, not Long Term Care
 No additional agent licensing requirement
 COI Charge (rather than an adjustment at time of claim)
 Dollar-for-Dollar offset of death benefit during payments
 2 of 6 ADL’s or Cognitive Impairment
– Expected to be permanent
 Waiver of Monthly Deductions
– Monthly deductions are waived for the entire policy and all company riders
as long as the policy owner meets the chronic illness requirements
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Specifications
 Issue Ages 18 – 80
 Must be added at policy issue
 Benefit Amount Limits (selected at purchase):
– Minimum Accelerated Benefit $50,000
– Maximum Accelerated Benefit $1,500,000
 Benefit Percentage Limits (selected at purchase):
– Minimum Accelerated Benefit = 50% of DB
– Maximum Accelerated Benefit = 100% of DB
 Available through Table D
 Indemnity, not Reimbursement
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Optionality in Payouts
The client gets to decide the payout option:
2% of the Accelerated Access Solution benefit per month, or
4% of the Accelerated Access Solution benefit per month, or
The government-regulated maximum Per Diem amount in effect
at the time the client claims benefits
– 2015 Per Diem Maximum $330 per day ($118,800 year)
– Per Diem is indexed for inflation
If the 2% or 4% options generate a monthly benefit in excess of
the Per Diem in effect at the time of claim, the monthly benefit
paid will not exceed the maximum Per Diem at the time of claim
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
How It Works…
 The Terminal Illness Rider1 must always be selected (no charge)
 The monthly cost of the A.A.S. rider will vary based on:
–
–
–
–
The accelerated benefit amount option chosen
Issue age
Gender
Underwriting class
 Once the insured meets the health impairment criteria:
– Premium requirements stop
– The death benefit is reduced by the benefit amount paid to the
policy owner, dollar-for-dollar
– Benefits received are generally income-tax free2
– Remaining death benefit is paid to the beneficiaries income-tax free
1Terminal Illness Rider requires diagnosis of a 24 months or less life
expectancy. Except for the state of Connecticut where it is 12 months or less.
2Based on current federal income tax laws.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Accelerated Access Solution
How It Works…
The insured will become eligible for the Accelerated Death
Benefit when each of the following conditions are met…
American General Life must receive a written request for the
Accelerated Death Benefit
American General Life must receive Written Certification of impairment
from a Licensed Health Care Practitioner
American General Life must receive written consent from any
irrevocable beneficiaries or assignee of record named in the policy
The 90 day Elimination Period has been satisfied; and
The insured is Chronically Ill at the time a benefit payment is made
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Let's Look at an Example…
 55 Male Preferred Non-Tobacco
 Purchases a $800,000 AG Secure Lifetime GUL II
 Elects to add the Accelerated Access Solution
– The client elects to accelerate 50% ($400,000) of the death benefit
if he becomes chronically ill
– He elects the 2% monthly payout option
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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The Result…
If he becomes chronically ill and elects to activate the rider
he would be able to begin accelerating $8,000 per month.
Death Benefit $800,000
Accelerated Access
SolutionSM
Acceleration Amount $400,000
2% Monthly Payout
Option
$8,000 per month
Payout Duration
4 years, 2 months
($400,000 x 2%)
($400,000 ÷ $8,000 = 50 months)
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
How Long Will It Last?
100% Acceleration
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$3,000
50
$6,000
25
$9,900
15
Year 10
$3,000
50
$6,000
25
$12,500
121
Year 20
$3,000
50
$6,000
25
$12,500
121
Year 30
$3,000
50
$6,000
25
$12,500
121
$500,000 DB
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$9,900
50
$9,900
50
$9,900
50
Year 10
$10,000
50
$14,555
34
$14,555
34
Year 20
$10,000
50
$20,000
25
$21,546
23
Year 30
$10,000
50
$20,000
25
$31,893
15
$150,000 DB
*Per
Diem based off of 2015 amount increasing at 4% per year.
Number of months are rounded down to whole numbers.
1Minimum
payout period is 12 months the per diem numbers have
been adjusted to reflect this.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
How Long Will It Last?
100% Acceleration
$1,000,000 DB
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$9,900
101
$9,900
101
$9,900
101
Year 10
$14,555
68
$14,555
68
$14,555
68
Year 20
$20,000
50
$21,546
46
$21,546
46
Year 30
$20,000
50
$31,893
31
$31,893
31
$1,500,000 DB
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$9,900
151
$9,900
151
$9,900
151
Year 10
$14,555
103
$14,555
103
$14,555
103
Year 20
$21,546
69
$21,546
69
$21,546
69
Year 30
$30,000
50
$31,893
47
$31,893
47
*Per
Diem based off of 2015 amount increasing at 4% per year.
Number of months are rounded down to whole numbers.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Premium
*All solved premium amounts are under the assumption of guaranteeing to maturity (age 121).
Illustration solved to pay premiums to the age of 65 only.
Male 35 Preferred
Non-Tobacco
$150,000 DB
2%
4%
Per Diem1
Premium
$1,186.88
$1,222.59
(+35.71)
$1,247.48
(+60.60)
Year 1 Payout
$3,000
$6,000
$9,900
Year 10 Payout
$3,000
$6,000
$12,5003
Year 20 Payout
$3,000
$6,000
$12,5003
Year 30 Payout
$3,000
$6,000
$12,5003
What if the client
chose a 50% payout
$1,108.11
(-78.77)2
$1,128.58
(-94.01)2
$1,142.86
(-104.62)2
Premium without the rider $985
1Per
2Compared to 100% payout option.
Diem based off of 2015 amount increasing at 4% per year.
payout period is 12 months the per diem numbers have been adjusted to reflect this.
3Minimum
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Premium
*All solved premium amounts are under the assumption of guaranteeing to maturity (age 121).
Illustration solved to pay premiums to the age of 65 only.
Male 45 Preferred
Non-Tobacco
2%
4%
Per Diem1
Premium
$6,006.06
$6,078.30
(+ $72.24)
$6,088.46
(+ $82.40)
Year 1 Payout
$9,900
$9,900
$9,900
Year 10 Payout
$10,000
$14,555
$14,555
Year 20 Payout
$10,000
$20,000
$21,546
Year 30 Payout
$10,000
$20,000
$31,893
What if the client
chose a 50%
payout
$5,817.51
(- $188.55)2
$5,956.86
(- $121.44)2
$6,001.85
(- $86.61)2
$500,000 DB
Premium without the rider $5,335
1Per
Diem based off of 2015 amount increasing at 4% per year.
2Compared
to 100% payout option.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Premium
*All solved premium amounts are under the assumption of guaranteeing to maturity (age 121).
Illustration solved to pay premiums to the age of 121.
Male 65 Preferred
Non-Tobacco
$1,000,000 DB
2%
4%
Per Diem1
Premium
$23,877.37
$24,615.44
(+ $738.07)
$24,651.68
(+ $774.31)
Year 1 Payout
$9,900
$9,900
$9,900
Year 10 Payout
$14,555
$14,555
$14,555
Year 20 Payout
$20,000
$21,546
$21,546
Year 30 Payout
$20,000
$31,893
$31,893
What if the client
chose a 50%
payout
$22,747.41
(- $1,129.96)2
$23,192.86
(- $1,422.58)2
$23,214.72
(- $1.436.96)2
Premium without the rider $21,017
1Per
Diem based off of 2015 amount increasing at 4% per year.
2Compared
to 100% payout option.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Which Payout Option is Best?
 Answer…….it depends……
– When does the insured speculate they will need to
activate the rider?
• Impossible to know.
– How long do they want the benefits to last?
• Different payout options payout over different periods of time.
– Should you choose the 50% payout base or 70%,
80%, or 100%?
– How much more does it cost?
• Let’s take a look…
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Which Payout Option is Best?
 Male 45 Male PNT
 $20,000 in monthly benefits beginning at age 65
 Which option is best?
*All solved premium amount are under the assumption of guaranteeing to maturity (age 121).
Death
Benefit
Acceleration
Benefit
Benefit
Payout
Option
$1,000,000
$500,000
Per Diem
$21,546
2 Yrs
$11,385
$1,000,000
$500,000
4%
$20,000
2 Yrs
$11,373
$1,000,000
$1,000,000
2%
$20,000
4 Yrs
$11,765
$1,000,000
$1,000,000
4%
$21,546
4 Yrs
$11,910
$1,000,000
$1,000,000
Per Diem
$21,546
4 Yrs
$11,930
1Per
Monthly
Benefit
Benefit
Duration
Annual
Premium
Diem based off of 2015 amount increasing at 4% per year.
*Premium solve pay to age 65.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Which Payout Option is Best?
 Male 45 Male PNT
 Max in monthly benefits at age 75
 Which option is best?
*All solved premium amount are under the assumption of guaranteeing to maturity (age 121).
Death
Benefit
Acceleration
Benefit
Benefit
Payout
Option
$1,000,000
$500,000
Per Diem
$31,893
1.4 Yrs
$11,385
$1,000,000
$500,000
4%
$20,000
2 Yrs
$11,373
$1,000,000
$1,000,000
2%
$20,000
4 Yrs
$11,765
$1,000,000
$1,000,000
4%
$31,893
2.7 Yrs
$11,910
$1,000,000
$1,000,000
Per Diem
$31,893
2.7 Yrs
$11,930
1Per
Monthly
Benefit
Benefit
Duration
Annual
Premium
Diem based off of 2015 amount increasing at 4% per year.
*Premium solve pay to age 65.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Supplemental Application for Chronic Illness ABR
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Supplemental Application Knock-Out Questions
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Supplemental Application Additional Questions
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Running WinFlex
Illustrations
w/ AAS
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
WinFlex Warning Messages
“The accelerated amount is below the
minimum allowable for the rider, and has
been increased to the minimum amount.”
Example
Amounts
Face Amount
$50,000
Accelerated Percentage
50%
Accelerated Amount
$25,000
Minimum Accelerated Amount
$50,000
Accelerated Percentage Adjusted to 100%
$50,000
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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WinFlex Error Messages
“The face amount exceeds the maximum allowable of
$3,000,000 for the AAS. Please reduce the face amount.”
Example
Amounts
Face Amount
$10,000,000
Selected A.A.S. Benefit (max.)
$1,500,000
Max. A.A.S. Benefit = $1,500,000
DB cannot exceed 2x the A.A.S. benefit (50%)
DB Adjusted to the Maximum
$3,000,000
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
31
WinFlex Warning Messages
“The accelerated amount exceeds the
maximum allowable for this rider, and has
been reduced to the maximum amount.”
Example
Face Amount
Accelerated Percentage
Amounts
$2,000,000
80%
Accelerated Amount
$1,600,000
Max Accelerated Amount
$1,500,000
New Accelerated Amount
$1,500,000
Adjusted Percentage
75%
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
32
WinFlex Warning Messages
“The Monthly Benefit selected exceeds the 2013 IRS maximum per-diem
amount prescribed by the IRS. The maximum monthly benefit may not
exceed the per-diem amount in effect at the time you make your claim for
benefits. However, the total aggregate benefit will not be reduced.”
Example
Amounts
Face Amount
$1,000,000
Accelerated Percentage
50%
Monthly Benefit Payout Percentage
4%
Monthly Benefit
$20,000
(1M x 50% x 4% = 20K)
IRS Per Diem 2015
$9,900
Monthly Benefit Adjusted to
$9,900
Total Benefit Payable = $500,000
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Illustrating the AAS in WinFlex
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
The Illustration Output
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Sales Ideas
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Problem: Chronic Illness Hits Close to Home
 Henry is a 55 year old husband and father
who is in good health and has seen firsthand
how a chronic illness can adversely affect a
family’s financial plan.
 He has a brother, Edward, who has been
dealing with the aftermath of a stroke for a
few years and has experienced a significant
depletion in financial assets due to the
incredible costs of care due to his condition.
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Problem: Chronic Illness Hits Close to Home
 Specifically, Edward had to tap into his retirement dollars to pay for the rising
medical bills, a wheelchair, adapting his house with entrance ramps and
electric stairwell lifts as well as his day-today physical care due to his
limitations, leaving his spouse, Emily, with dramatically smaller retirement
resources when Edward passes away.
 To make matters worse, at the time of Edward’s death, Emily’s Social
Security income will drop by 1/3 to 1/2 of the couple’s total.
 Henry wants to protect his family’s assets and create flexible financial options
in the event a chronic illness should occur.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life Insurance You Don’t Have to Die to Use
 Henry purchases a $250,000 AG Secure Lifetime GUL® II policy life
insurance policy with the AAS rider to provide the flexibility and protection he
is looking for.
 The base policy can provide funding in the event of a chronic illness
diagnosis offering Henry an option that protects his retirement portfolio from
being depleted by medical expenses and physical day-to-day care and
assistance.
 The death benefit remaining after Henry passes away can help his surviving
spouse with additional assets to offset the reduction in Social Security income
that occurs when one spouse dies.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life Insurance You Don’t Have to Die to Use
Choose an Accelerated Access Solution
total benefit amount anywhere between $125,000 and $250,000
Three monthly benefit payment amounts options as shown in the chart below.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Fast Forward
 Twenty years later when Henry was 75 and in retirement, he suffered a heart
attack and activated the rider to access a portion of the death benefit each
month.1
 Because he chose the pier diem option, the monthly benefit amount had
increased to approximately $20,000 in the year he went on claim, and was
payable for up to 12 months.
 The Accelerated Access Solution allowed his family to use the funds to pay
for his medical and physical care expenses and helped to helped to protect
Henry’s retirement assets for his surviving spouse.
1Insured
must be certified as chronically ill by a licensed physician and meet all eligibility requirements.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Problem: Planning for the Unexpected
 As the sole breadwinner, Julia is a 45
year old single mother who wants to
protect the financial stability of her
family’s financial future.
 Without knowing what will happen in the
future, she would like to build in some
protection in the event she should
develop a chronic illness or pass away
prematurely.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life Insurance You Don’t Have to Die to Use
 Julia purchases a $500,000 AG Secure Lifetime GUL II policy.
 With the optionality built into the policy she has the following choices:
– Choose an Accelerated Access Solution total benefit amount anywhere
between $250,000 and $500,000
– Choose among three monthly benefit payment amount options
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life Insurance You Don’t Have to Die to Use
Julia chose the 100% total benefit option giving her a
$500,000 Accelerated Access Solution benefit.
She also chose the per diem benefit payment option at the time of purchase.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life Insurance You Don’t Have to Die to Use
 Thirty years later when Julia was 75 and in retirement, she suffers a stroke and
activates the rider to access a portion of the death benefit each month.1
 Because she chose the pier diem option, the monthly benefit amount had increased
to approximately $31,000 in the year she went on claim, and was payable for up to
16 months.
 Julia pass away 6 months after going on claim and therefore still had $314,000 in
death benefits that was payable to her beneficiaries.
 The Accelerated Access Solution allowed her family to use the funds to pay for her
medical care and protected family assets from being depleted as a result of the
illness.
1Insured
must be certified as chronically ill by a licensed physician and meet all eligibility requirements.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Care Coordination Program
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Care Coordination Program
AGL offers services to help the insured locate and choose a provider
through its “Care Coordination Program”.
American General Life has partnered with the nation’s largest
administrator of long-term care insurance (Long-Term Care Group, Inc.
or LTCG™), to arrange the long-term care services at no cost to
policyholders.
This free benefit, called the “Care Coordination
Program”, is completely optional and available on all policies with the
Accelerated Access Solution chronic illness rider.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Care Coordination Program
This program offers access to Care Management professionals that can
provide information to support a search for a caregiver or facility that is right for
each family’s situation as well as assistance to:
locate a qualified caregiver, long term care facility or home-delivered meals provider
develop a plan of care to ensure all your needs are met
direct you to organizations with expertise in your disabling condition
set up your first home care visit
understand the steps involved in moving into a long term care facility
help you understand the cost of long term care and how you will be billed for the
services you receive
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Questions?
For additional information, please contact your American General Life Companies
representative or visit our producer web site at http://eStation.americangeneral.com
National Sales Desk can be reached at 1-800-677-3311
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Important Information
Policies issued by: American General Life Insurance Company (AGL), Form Numbers 13460, ICC13-13460, ICC14-14779,
14779; Rider Form Numbers 13600, ICC13-13600, 13601, 13972. Issuing company AGL is responsible for financial obligations
of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of
New York. Products may not be available in all states and product features may vary by state. Guarantees are backed by the
claims-paying ability of the issuing insurance company. These product specifications are not intended to be all-inclusive of
product information. State variations may apply. Please refer to the policy for complete details.
American General Life Insurance Company and their distributors and representatives may not give tax, accounting or legal
advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties.
Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are
subject to legislative modification, and while many such modifications will have only a prospective application, it is important to
recognize that a change could have retroactive effect as well. Individuals should seek the advice of an independent tax advisor or
attorney for more complete information concerning their particular circumstances and any tax statements made in this material.
AGLC108524
© 2015. All rights reserved.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION