Paul, 41, is an up-and-coming manager earning a solid living for his family of five. He and his wife Joan, a full-time homemaker, are working hard to plan for Paul’s retirement at 70, the age that he will be eligible to receive full retirement benefits from Social Security. Of course, everything hinges on Paul’s income for the next 29 years. To help protect Paul’s income, the family needs term life insurance coverage for the next 29 years.

The Solution
With AG Select-a-Term^SM, Paul has the flexibility to purchase a term policy that meets his 29-year retirement horizon precisely. As a 41-year old male in the Preferred Plus underwriting class, Paul can purchase a 29-year policy at a face value amount of $1 million for an annual premium of only $1,304.¹

The cases presented are not actual and are for illustrative purposes only.
¹ Premium rates current as of November 16, 2009; 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 term if policy is renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years.