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Universal Life Insurance

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Universal Life Insurance 

Universal life insurance with the flexibility to adapt to changing needs. 

A guaranteed universal life insurance policy that combines long-term financial security with the flexibility to adapt to changing needs, AG Secure Lifetime GUL® II now includes Optionality®, a unique package providing you with life insurance that offers long-term protection and maximum flexibility. You select the coverage amount, the duration of the death benefit guarantee and how long you want to pay premiums. You can build guaranteed cash value that can be accessed through future withdrawals.

Learn more about AG Secure Lifetime GUL® II, and get universal life insurance quotes online or by calling 888-543-3371. Wondering how much life insurance you need? Use our helpful calculator.

Who could benefit?
  • Those that need the death benefit protection of life insurance.
  • Adults 40 – 75 years old and in reasonably good health.
  • Anyone qualifying who wants to avoid risk but maintain strong guarantees.
  • Those that need to provide cash or replace income following their death.
  • Someone seeking a life insurance policy that can adapt to changing circumstances.
  • Persons seeking additional protection against outliving their income.

What are the highlights?
  • AG Secure Lifetime GUL® II provides long-term guarantees to protect your policy from lapse. Unlike other products of its kind, it can build substantial long-term guaranteed cash value and adapt to future needs by allowing policy owners:
    • Choice of coverage amount, duration of death benefit and length of time to pay premiums based on individual needs.1, 2 
    • Guaranteed cash value, independent of interest-rate fluctuations.
    • Opportunity to build cash value, accessible by withdrawal.

  • AG Asset Protector®, a product suite available on AG Secure Lifetime GUL® II policies, provides a unique package of living benefits including access to death benefits while living. The AG Asset Protector® product suite includes two life insurance riders: Accelerated Access SolutionSM, which allows income-tax-free access to death benefits if diagnosed with a chronic illness and Lifestyle Income SolutionSM, which allows access to your death benefit for any reason after age 85.

1 Guarantees are backed by the claims-paying ability of the issuing insurance company.
2 Subject to the policy’s terms and conditions. 
3 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event.

Guarantees are backed by the claims-paying ability of the issuing insurance company. This product is not available in the state of New York. Policy Form Numbers 13460, ICC13-13460; Rider Forms 82012, 82410, 88390, 11990, 13972, 91401, 82001.

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