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LIMITED-PAY
Guaranteed Issue Whole Life

Our enhanced Guaranteed Issue Whole Life (GIWL) product now offers a new Limited-Pay feature, revised premium rates, and a maximum issue age of 80, while continuing to offer built-in, no cost chronic and terminal illness riders!¹

Frequently asked questions about our enhanced product design:

1.	What is “Limited-Pay”? This new feature sets a specific, maximum payment age for when the client no longer has to pay premiums on their policy (approximately between ages 82 to 90).
2.	What happens when the insured reaches the maximum payment age? Payments are then no longer required, and the coverage continues to the age of maturity which is age 121. Your clients will be notified when they reach their maximum payment age.
3.	Is the maximum payment age the same for everyone? How is it calculated? No, the maximum payment age will vary depending on gender, death benefit amount and band. In no instance will it be past age 90. You can find the maximum payment ages on page two of the Annual Rate Calculator. The maximum payment age will also be included in your client’s policy packet.
4.	Who do I call if I have a GIWL question? Contact Product and Sales Support at 1-877-399-7747, Option 1.

For all the facts and complete details:

Product Bulletin

Access all GIWL resources at aig.com/GIWLplaybook.

1 Chronic Illness Rider available in all states except; CA, DC, ME, NY. Terminal Illness Rider available in all states except;
CA, ME, and NY.

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An Accelerated Death Benefit Rider (ABR) is not a replacement for Long Term Care Insurance (LTCI). It is a life insurance benefit that gives you the option to accelerate some of the death benefit in the event the insured meets the criteria for a qualifying event described in the policy. This ABR pays proceeds that are intended to qualify for favorable tax treatment under section 101(g) of the Internal Revenue Code. The federal, state, or local tax consequences resulting from payment of an ABR will depend on the specific facts and circumstances, and consequently advice and guidance should be obtained from a personal tax advisor prior to the receipt of any payments. ABR payments may affect eligibility for, or amounts of, Medicaid or other benefits provided by federal, state, or local government. Death benefits and policy values, such as cash values, premium payments and cost of insurance charges if applicable, will be reduced if an ABR payment is made. ABR payments may be limited by the contract or by outstanding policy loans.

Policies issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Policy Forms: ICC20-20532, 20532, and 20532-5. Rider Numbers: ICC15-15200, 15200, 15200-7, 15200-10, 15200-35, ICC15-15201, 15201, 15201-7, 15201-9, 15201-10, and 15201-35. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

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American General Life Insurance Company
2929 Allen Parkway, Houston, TX 77019, United States
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