AG Select-a-Term®
More than GREAT price!
Policies issued by American General Life Insurance Company ("AGL“)
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Features
 Select Income Rider
 Disability Income Rider
 Select a Term
 Laddering
 Preserve a Premium
 Rated Cases
 Product Specifics Appendix
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Select Income Rider
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Select Income Rider
 David 35
 Lisa 35
 Monthly Income
 David $4,800
 Lisa $3,000
 Two Small Children in
Grade School
 Mortgage
 Two Car Payments
*Not an actual case. Presented for illustrative purpose only.
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Sales Concept…
They each purchase a $750,000 AG Select-a-Term policy to provide
a lump sum death benefit to pay off debt and cover final expenses.
For extra protection, David adds Select Income Rider for a monthly
benefit of $5,000 for 10 years and Lisa chooses to add Select
Income Rider for a monthly benefit of $2,500 for 10 years.
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How Select Income Rider Works:
Lump Sum +
Guaranteed Income
Stream
AG Select-a-Term 30-Year
Monthly Premium: $109.83
Yr1
Yr35
David Dies In Year 25
Lump Sum
Death Benefit
$750,000
Yr25
Guaranteed Monthly Income
$5,000
Premium based on Male, 35, PNT. Not an actual case; for illustrative purposes only
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Why it Works
This entire protection plan covers both spouses for less than $2,400
per year.1,2
This planned approach to protection is low cost, simple to put in
place and provides a sense of easing the burden of money
management.
That’s a powerful combination!
1
Premium rates current as of April 8, 2013, rates may vary by state. Premiums available for other rate classes, ages, and payment plans. Premium charges
depend on evidence of insurability. Premiums increase at the end of the guaranteed level premium period if renewed. Death benefit remains level.
2
Premium rates based on male and female, age 35, Preferred underwriting class for a 30-year policy paying monthly premiums.
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Disability Income Rider
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Disability Income Rider
The Disability Income Rider offered on AG Select-aTerm® can be a valuable enhancement for some term
clients. Many of your term clients have some employer
provided disability income (DI) coverage, but may want
more. They may also want coverage that won’t be lost if
they change jobs.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Filling the Gap:
Male Doctor, Age 45
 Current employer policy
provides disability coverage
equal to 50% of his base
salary.
 Base salary is $10,000 a
month.
 Use the American General’s
Disability Income Rider to
fill in the other 20% gap!
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
AG Select-a-Term 30

$1,000,000 Death Benefit

Guaranteed Annual Policy Premium With Disability
Income Rider Premium $2,304

Monthly Benefit Amount $2,000

Elimination Period 90 Days

Benefit Period 2 Years
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Filling the Gap:
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Laddering
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Laddering
What is Laddering?
Laddering means you buy multiple
smaller policies that custom tailor
your needs rather than one large
policy.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Here’s How it Works
Step 1: Identify your needs
Step 2: Determine how long you need coverage
Step 3: Determine the amount for those needs
Step 4: Buy multiple smaller term policies that match your
needs exactly instead of a larger policy
By laddering your policies, you purchase the
right amount of coverage in a cost-effective way.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
See It In Action
Larry, age 39, has two children, ages 5 and 8. He wants to purchase
life insurance to provide for his family in the following situations:
 $250,000 of coverage on himself until his youngest child reaches
the age of 21
 $500,000 of coverage until retirement at age 62 to protect his
family’s income needs
 $250,000 of coverage to pay off his mortgage, which has 27
years remaining
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
See It In Action
 Larry could buy a single $1 million policy, but the closest available
term period offered by other companies would be 30 years.
 If he drops the policy after 27 years when his longest need
expires, he would have paid $29,808 over the 27 year period.
 With AG Select-a-Term, he can buy a separate policy for each of
his three situations.
 Building his life insurance on his terms saves him more than
$8,000, even if he were to drop the 30-year policy after 27 years.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
See It In Action
$250,000
16 Years
$176.50
$2,824.00
$500,000
23 Years
$449.00
$10,327.00
$250,000
27 Years
$311.50
$8,410.50
$937.00
$21,561.50
$1,104.00
$29,808.00
$1,000,000
30 Years
1 Not an actual case. Presented for illustrative purposes only. Example assumes each policy is kept in force for its full level-premium term period.
2 Preferred Plus underwriting class. Premium rates current as of August 31, 2015, rates may vary by state. Premiums available for other rate classes, ages
and payment plans. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed level premium period if renewed.
Death benefit remains level.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Preserve a Premium
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Preserve a Premium
Flexibility at its best
 You tell your client, because they’re not as healthy as expected,
that the underwriting offer on their application is “other-thanapplied-for?”
 Your client responds that they won’t pay the higher premium.
 They really need the coverage, but the high premium scares
them.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Here’s The Solution…
 AG Select-a-Term greatly improves your chances in placing the
business.
 Other insurance companies sell policies that last for 10, 15, 20, or
30 years.
 AG Select-a-Term offers 17 different durations for 10 years, or
from 15 to 30 years.
 This typically allows you to offer the same face amount, but for a
shorter duration than originally planned.
 Coverage period is shorter, but the face amount is unchanged,
and the premium can be about the same as originally quoted.
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Let’s Take A Look
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What About Rated Cases?
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Rated Term Case?
 While most companies determine substandard rates by applying
a table rating factor to Standard rates, American General applies
a table rating factor to Special rates.
 The Special rates are more favorable than Standard rates.*
 As a result, our pricing on rated cases may surprise you.
 American General offers the lowest rated case premiums among
carriers compared in the case quoted in the table to the right.
 In fact, our table C and D premiums often beat premiums for
lower table ratings among this group of carriers.
* Applies
only to the Non-tobacco underwriting class.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Achieve significant savings on rated term cases!
Competitors premium rates current as of 05/31/2015. The company has verified the accuracy of information, but rates are subject to
change at any time.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Take the sticker shock
out of rated term cases
by turning to perennial
term leaders—American
General Life Companies.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Questions
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Product Specification Appendix
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Select Income Rider
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Summary
 Upon the death of the base policy insured, this rider pays a
monthly benefit to the beneficiary.
 The issue age for the rider is the same as the AG Select-a-Term
(base) policy to which it is attached.
 This rider can only be added at issue and may be dropped after
issue.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Benefits
 This rider provides supplemental term insurance coverage on the
life of the insured.
 The terms and conditions of this supplemental term insurance
coverage are the same as those of the base policy to which it is
attached; except that the death benefit payable under this rider
will be paid as a monthly income benefit to the beneficiary.
 The settlement options described in the base policy are not
available to the beneficiary.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Benefits
 By electing this rider and paying the rider premium the owner has
made an irrevocable election to have the rider death benefit paid
as a monthly income benefit.
 (In other words, the beneficiary cannot convert the periodic
benefit.)
 Generally, a portion of each monthly payment will be subject to
federal and /or state income tax.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Benefits Payable
 The insurer will pay to the beneficiary the monthly benefit shown
on the rider specifications page.
 The payment of benefits under this rider is irrevocable and
separate from any other payment options available under the
base policy.
 The monthly benefit is fixed and payable until the end of the
selected monthly benefit duration.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Benefits Payable
 The monthly benefit and monthly benefit duration for this rider are
shown on the rider specifications.
 However, if upon the insured’s death the payee is an estate, the
proceeds will be paid in a lump sum that is equal to the
conversion face amount shown on the rider specifications.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Specifications
 Benefits payable for:
 60, 120, 180, 240, 300, 360, 420, or 480 months
 Issue Ages
 Same as the AIG Select-a-Term base policy
 Minimum Monthly Benefit
 $500
 Maximum Monthly Benefit
 $100,000
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Beneficiary
 The beneficiary(ies) are as shown in the application unless later
revised by the owner and recorded by the insurer.
 If any beneficiary dies before the rider insured, that beneficiary’s
interest will pass to any other beneficiaries according to their
respective interests.
 If no beneficiary survives the rider insured, the estate of the
owner will be the beneficiary.
 If a trust is the owner and no beneficiary survives the rider
insured, the estate of the rider insured will be the beneficiary.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Disability Income Rider
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Disability Income Rider
Can provide a regular monthly benefit up to 2 years to the primary
insured if they are unable to work due to a covered illness or injury
90-day elimination period and 2 year benefit period
The definition of disability is “own occupation” for the first 12 months
and “any occupation” after the first 12 months
Premiums for the Term Policy and all riders are waived while your
client is receiving disability benefits
Available on policies issued standard or better with a minimum face
amount of $250,000
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Replacement Ratio
The maximum replacement ratio is 50%.
Existing DI coverage will be considered when calculating the 50%
maximum replacement ratio.
For Risk Class 1 (White Collar) only, the participation limit is 70%.
For example, if an applicant has 40% of LTD from work, he or she
can purchase an additional 30% with this rider.
However, if they do not have any existing DI coverage, they will still
be limited to a 50% maximum replacement ratio up to $3,000.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Disability Income Rider
Two occupation classes: white collar and blue collar (see
Occupation Class definitions below).
Minimum monthly benefit is $300. Maximum monthly benefit is
$3,000.
This rider cannot be added after issue but can be dropped after
issue.
DI coverage period is to age 65, or the end of the level-premium
guarantee period of the term life policy, whichever is sooner.
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Issue Ages
Ages 20-50
10-, or 15- through 30-year plans
Ages 51-55
10-, or 15- through 22-year plans
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Class I
Professional and White Collar Occupations
Professionals would include individuals in very responsible positions
and typically holding advanced degrees and professional
designations or be an officer of a large corporation.
Examples: architects, engineers, CPA’s, lawyers, physicians, dentists and
corporate officers.
White Collar would include individuals who are generally salaried
employees, possess special technical skills, are well-educated and
frequently have managerial responsibilities.
Their positions do not expose them to on the job risks of physical
injury or environmental hazards.
Examples: administrators, teachers, research analysts and pharmacists
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Class II
Blue Collar Occupations
Blue Collar would include positions that may be either salaried or hourly
paid.
They will generally be recognized as skilled workers, some of whom will
have supervisory duties.
Many require relatively limited skills and modest formal education.
Typically a college degree is not required and the skills are usually learned
on the job.
In many cases, the physical demands are high and the tasks frequently
require manual labor.
It is not uncommon for there to be some exposure to accidental injury and/or
adverse working conditions.
Examples: assemblers, mechanics, machine operators, construction trades, office
clerical, technicians, receptionists, LPNs, registered nurses, nurses aides, and
physical therapists
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Underwriting
 Available to term applicants standard or better
 (some occupational restrictions)
 No additional underwriting
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Unacceptable Risks
 These jobs are usually characterized by six categories of exposure:
(examples)
 There is a high risk of accidental injury (logging, subsurface mining or
construction, law enforcement, fire fighting, explosives or military service)
 The work may be very physically demanding (household movers, farm
laborers, and professional athletes)
 There is a very high degree of mental stress (air traffic controllers)
 There may be exposure to an adverse and/or dangerous working
environment (hazardous materials handlers, high elevations, exposure to
heat, cold or airborne particulate matter)
 The jobs demand that a very high standard of physical fitness be
maintained (pilots, common carriers, police, fire and professional
athletes)
 The skills required are such that a minor injury or impairment may be
disabling (entertainers, musicians, and professional athletes)
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Questions
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Important Information
Policies issued by: American General Life Insurance Company (AGL), 2727-A Allen Parkway,
Houston, Texas 77019. AG Select-a-Term Policy Form Number 07007, AG Select-a-Term Policy Form
Number ICC10-07007, Accidental Death Benefit Rider Form Number 79002, Child Rider Form
Number 79410, Disability Income Rider Form Number 06305, Terminal Illness Rider Form Number
91401, Waiver of Premium Rider Form Number 79001, Select Income Rider Form Number 08818,
AG ROP Select-a-Term Policy Form Number 10001, Term Conversion Option Endorsement
AGLC103527. The underwriting risks, financial and contractual obligations and support functions
associated with products issued by AGL are the issuing insurer’s responsibility. Guarantees are
subject to the claims-paying ability of the issuing insurance company. American General Life
Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life
insurers, including AGL. Important: Prior to soliciting business, be certain that you are appropriately
licensed and appointed with the insurer and that the product has been approved for sale by the
insurer in that state. If uncertain, contact your American General Life Companies representative for
assistance.
FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
AGLC106903
© 2015. All rights reserved.
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