AG Choice Index GUL®

Index UL for death protection, featuring index interest crediting based on three domestic and three international indices and a formula that overweights the best two performing indices.

Key Benefits

• Guaranteed death benefit coverage up to age 121
• Flexible Continuation Guarantee allows selection of guarantee period and premium funding period
• Unique, highly competitive product focused on cash accumulation
• Allocate premiums among 3 interest crediting options 
  • 1-Year index interest crediting based in part on the one-year point-to-point growth in a domestic index with a cap rate and guaranteed interest rate of 1 percent
  • 5-Year index interest crediting based in part on three external indices with automatic overweighting of the two best-performing indices with participation rate and guaranteed interest rate of 1 percent (not available in New York)
  • Declared Interest Account with a minimum guaranteed interest rate of 2 percent
• Option of Standard Loans or Choice Loans to access policy cash values
• Overloan Protection Rider ensures policy won’t lapse with large outstanding loan balance
• Broad selection of riders for customization
• Expanded standard classes (Tobacco and No Tobacco) include up through Table 2 and through issue age 70
• Issued in all states except New York by American General Life Insurance Company (policy form # 11474) and in New York by The United States Life Insurance Company in the City of New York (policy form # 11474N

FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC