Life Insurance

Quality of Life ……Insurance

Traditional life insurance is designed to provide security for your loved ones in the event of your premature death…but what if you have a serious heart attack, invasive cancer or a stroke and don’t die? What about financial help during critical or long-term chronic illnesses, at retirement or to offset the costs of life’s other milestones?

Quality of Life…Insurance offers you’re the flexibility to receive benefits during your lifetime and the potential to access cash value to provide money to supplement your retirement or meet other financial goals.

Life Insurance with “No Cost” living benefits

Chronic Illness

This rider will pay benefits when you cannot do 2 out of 6 of the activities of daily living. (Ex. eating, bathing, dressing, etc.)

Critical Illness

There is 8 critical illnesses that would qualify you for this benefit.

Heart Attack
Stroke
Cancer
Kidney Failure
Organ Transplant
Blindness
Paralysis
Multiple Sclerosis

This rider will pay benefits when insured suffers any of the above illnesses. You can request transferring the partial or your whole death benefit to “living benefit”.

Terminal Illness

This rider will allow you to use the death benefit as a living benefit if you are diagnosed as terminally ill with a life expectancy of less than 2 years by your doctor.

Monthly Preferred Plus Non-Smoker Rates

Plan	AGLA Term 30 years Guaranteed				AGLA Choice Performer Universal Life
Benefit	$250,000		$500,000		$100,000		$250,000
Age	Female	Male	Female	Male	Female	Male	Female	Male
25	$19	$22	$31	$38	$51	$59	$117	$137
30	$21	$24	$34	$41	$57	$65	$132	$152
35	$24	$29	$40	$50	$63	$70	$147	$165
40	$31	$38	$54	$67	$75	$87	$177	$207
45	$43	$60	$78	$102	$103	$103	$207	$247
50	$64	$88	$119	$167	$119	$119	$242	$287
55	$145	$192	$278	$369	$138	$138	$275	$335

Monthly Preferred Plus Nonsmoker Rate (subject to change without notice)