AGLAchoice^® Index Plus is permanent universal life insurance.
Purchasing a life insurance policy can help ensure that your family will have the financial resources they’ll need should you die prematurely. Your policy can also build meaningful cash accumulation value on a tax-deferred basis¹ over your lifetime.

With AGLAchoice^® Index Plus, your policy has the potential to grow attractive cash value over time based on “indexing strategies” that can be based, in part, on the movement of the S&P 500^®.

Like all life insurance policies, AGLAchoice^® Index Plus provides you and your family with peace of mind because it protects your loved ones when you can no longer provide for them.

AGLAchoice^® Index Plus is part of the Quality of Life…Insurance^® suite of products, so in addition to safe and stable life insurance protection, it also offers living benefits through the Accelerated Benefit Rider(s)². This innovative rider(s) can help with the costs of critical or long-term chronic illnesses or conditions while you are still alive – providing you with life insurance you don’t have to die to use.

Download our consumer brochure to learn more about AGLAchoice^® Index Plus.

• AGLAchoice^®Index Plus with AGLA SelectChoice Accelerated Benefit Rider (Not available in CA, DE, NY or WY) (AGLA Selectchoice Accelerated Benefit Rider not available in CA, CT, NV, NY or WY)
• AGLAchoice^®Index Plus (For NV only)
• AGLAchoice^® Index Plus Press Release (09-19-11)

What really makes AGLAchoice^® Index Plus stand out is the fact that it’s life insurance you don’t have to die to use. AGLAchoice^® Index Plus is part of the Quality of Life…Insurance^® suite of products. It can provide living benefits, for example, if an insured person suffers a covered critical, chronic or terminal illness or condition, such as a major heart attack, invasive cancer or a stroke, Quality of Life…Insurance^® allows owners to accelerate their life insurance benefits before their death to pay for critical health care needs or to meet other financial needs or obligations.

¹ Neither American General Life and Accident Insurance Company (AGLA) nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material.
² Rider names, benefits and availability vary by state.

Please complete the information below to have an agent contact you concerning AGLAchoice^® Index Plus.

CONTACT INFORMATION
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Important Consumer Disclosures Regarding Accelerated Benefit Riders

Disclosures Applicable to the Accelerated Benefit Rider

(1) When filing a claim for Qualifying Critical Illness or Qualifying Chronic Illness under an Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form which must be received at its Home Office within the time frame specified in the Rider.

(2) If a benefit under an Accelerated Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit under a Policy. The Owner must complete an election form and return it to AGLA within 60 days of receipt of the election form.  The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness.

Disclosures Applicable to the Critical Illness Accelerated Benefit Rider, Chronic Illness Accelerated Benefit Rider, and Terminal Illness Accelerated Benefit Rider

(1) When filing a claim under a Critical Illness Accelerated Benefit Rider, the claimant must provide the Company a completed claim form within 365 days of the required Diagnosis by a Physician of an Insured Person’s Critical Illness. 

(2)When filing a claim under a Chronic Illness Accelerated Benefit Rider, the claimant must provide the Company a completed claim form within 365 days of the required Certification by a Licensed Health Care Practitioner of an Insured Person’s Chronic Illness.

(3) If a benefit under an accelerated benefit rider is payable, the Company will provide the Owner with one (1) opportunity to elect an Accelerated Benefit under a Policy. The Owner must complete an election form and return it to AGLA within 60 days of receipt of the election form.  The Company will not provide a later opportunity to elect an Accelerated Benefit under a Policy as to the same Critical Illness or Chronic Illness.

Disclosures Applicable to the Accelerated Benefit Rider and to the Critical Illness Accelerated Benefit Rider, Chronic Illness Accelerated Benefit Rider, and Terminal Illness Accelerated Benefit Rider

(1) The failure to provide a required claim form and a required election form within the periods set forth for each in a Policy may preclude payment of a benefit.

(2) If you choose to receive an accelerated death benefit on account of a Chronic Illness or Terminal Illness, the sum included in Box 2 of the IRS Form 1099 LTC for “Accelerated death benefits paid” that you will receive will be the actual sum you received by check or otherwise, less any refund of premium or of loan interest that you received, plus any unpaid but due policy premium and, if applicable, a pro rata amount of any loan balance.

(3) Benefits payable under an accelerated benefit rider may be taxable. If so, you may incur a tax obligation. Neither American General Life and Accident Insurance Company (AGLA) nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material.

(4) See your policy for details.

For Policy Forms AGLA 05AHO, AGLA 08174, AGLA 08ALO, AGLA 08TRM, AGLA 09TRM, ICC11 AGLA 11IUL, AGLA 11IUL, and Riders AGLA 07CHP, AGLA 05AHA REV0308, AGLA 05AHC, AGLA 05AHB, AGLA 05AHG, AGLA 05AHP,  AGLA 05AD2, AGLA 08MGP, AGLA EMD-DB, AGLA 04001, AGLA 05AD2,  AGLA 20140-1, AGLA PW-A-NL, ICC11 AGLA ICIAR, ICC11 AGLA PRIIAR, AGLA ICIIAR, AGLA PRIIAR, ICC10 AGLA ABR, AGLA ABR and state variations.

Products issued by American General Life and Accident Insurance Company.
American General Center
Nashville, TN 37250

Product/Rider names, terms and definitions may also vary by state.

Please ask your agent for details.

Products/Riders are not available in all states.

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