AG ROP Select-a-Term®

Term insurance with a twist for the individual who wants guaranteed level term protection with options for the future, including the opportunity to get money back.    
 

Key Benefits

• 16 level term durations: 20-35 years (product not available in state of Washington)
• Accumulates cash value that starts no later than fifth policy year and continues so long as policy in kept in force.
• Option to receive cash value equal to cumulative base premiums paid upon surrender at the end of the level premium period
• Low $100,000 minimum face, 3 additional bands for larger face amounts
• No policy fee or modal factors
• Convertible to earlier of end of level premium period or age 70
• Option to stop paying premium and receive reduced paid up coverage that provides an endowment benefit equal to the reduced face amount when policy is maintained until the anniversary nearest insured's 95th birthday
• Broad selection of riders for customization
• Issued in all states except New York by American General Life Insurance Company (policy form # 10001) and in New York by The United States Life Insurance Company in the City of New York (policy form # 10001N)

FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC