AG Secure Survivor GUL® II

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AG Secure Survivor GUL II helps to provide guaranteed lifetime protection with OPTIONALITY

AG Secure Survivor GUL II

Through powerful guarantees in a second-to-die policy, AG Secure Survivor GUL II helps to provide more control during uncertain economic times, and more peace of mind.

Who should consider an AG Secure Survivor GUL II Policy?

    • Need the protection of life insurance 
    • Are age 50-75 and in reasonably good health 
    • Are risk averse and concerned about the impact of taxes on your estate 
    • Want to leave intact as many of your personal or business assets as possible 
    • Need your business to continue without interruption when you die 
    • Want your favorite organization to benefit from your legacy 
    • Want to replace gifted assets in your estate 

Key benefits:

    • Guaranteed death benefit protection 
    • Flexible Continuation Guarantee allows policy owners to select their guarantee period and premium funding period 
    • Guaranteed cash value accumulation provides flexibility if needed in the future
    • Pro-rata adjustments on partial withdrawals allow policy to remain in force with proportionally reduced death benefit, cash values, and guaranteed premium 
    • Consumer-friendly features
       - for purposes of maintaining death benefit guarantees, premium payments received within 28 days following date of issue and each subsequent premium due date are treated as received on time
       - for purposes of maintaining death benefit guarantees, 1035 exchange premiums are treated as if received on the date of issue2 

1 Accessing cash values may affect the continuation guarantee. 
2 Internal Revenue Code Section 1035 and associated rules are complex in nature. The policy owner may incur surrender charges from the previous policy and be subject to new sales and surrender charges as well as other limitations with the new policy. It is highly recommended that the policy owner consult a tax advisor prior to exchanging a policy.

Guarantees are subject to the claims-paying ability of the issuing insurance company. Subject to the policy’s terms and conditions. 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.

Policy form numbers 13239, ICC-13-13239; Rider Forms 11990, ICC-1990, 01904.  Guarantees are subject to the claims-paying ability of the issuing insurance company.  This product is not available in the state of New York.

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