1. Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 07007, ICC10-07007 except in New York, where issued by The United States Life Insurance Company
in the City of New York (US Life), Policy Form Number 09007N. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American
International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer and/or insurance agency
selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
AGLC105754 REV0215 © 2015 AIG. All rights reserved.
1
Not an actual case. Presented for illustrative purposes only. Example assumes each policy is kept in force for its full
level-premium term period.
2
Preferred Plus underwriting class. Premium rates current as of February 9, 2015, rates may vary by state. Premiums
available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability.
Premiums increase at the end of the guaranteed level premium period if renewed. Death benefit remains level.
For more information:
Not a deposit | Not insured by any federal government agency | May lose value | No bank or credit union guarantee | Not FDIC/NCUA/NCUSIF insured
Face Amount Duration Annual Premium2 Total Premium
Over Term Period2
With Laddering
$250,000 16 years $176.50 $2,824.00
$500,000 23 years $449.00 $10,327.00
$250,000 27 years $314.00 $8,478.00
$939.50 $21,629.00
Without Laddering
$1,000,000 30 years $1,114.00
$30,078.00
over a 27 year period
Build-Your-Term
Build YOUR life insurance on YOUR terms.
With AG Select-a-Term®
Life Insurance,
you choose the exact amount and period
of coverage you need. Not only does
AG Select-a-Term let you customize your
loved ones’ coverage, it can help you save
money on premiums with a technique
called ‘laddering.’ That’s life insurance
with Optionality®
.
What is Laddering?
Laddering means you buy multiple smaller
policies that custom tailor your needs rather
than one large policy. Please consult a
financial professional to determine if the
laddering technique is appropriate for
your situation.
How it works
Step 1: Identify your needs
Step 2: Determine how long you need coverage
Step 3: Determine the amount for those needs
Step 4: Buy multiple smaller term policies that
match your needs exactly instead of a
larger policy
By laddering your policies, you purchase
the right amount of coverage in the most
cost-effective way.
AG Select-a-Term®
Life insurance the smart way
See it in action...
Larry, age 39, has two children, ages 5 and 8. He wants to purchase life insurance to provide
for his family in the following situations:1
• $250,000 of coverage on himself until his youngest child reaches the age of 21
• $500,000 of coverage until retirement at age 62 to protect his family’s income needs
• $250,000 of coverage to pay off his mortgage, which has 27 years remaining
Larry could buy a single $1 million policy, but the closest available term period offered by other
companies would be 30 years. If he drops the policy after 27 years when his longest need
expires, he would have paid $30,078 over the 27 year period. With AG Select-a-Term, he
can buy a separate policy for each of his three situations. Building his life insurance on his terms
saves him nearly $8,500, even if he were to drop the 30-year policy after 27 years.
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