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You Can Get It For Free? Click Here to View Presentation |
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Return Of Premium Term |
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Products |
American General Return of Premium |
Americo Securi Term |
F&G Savers Select |
F&G Value Select |
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Issue Ages |
15 Yr. / 20-65 NT, 20-55 T 20 Yr. / 20-80 NT, 20-55 T 30 Yr. / 20-50 NT, 20-45 T (age nearest) |
15 Yr. / 18-70 20 Yr. / 18-60 30 Yr. / 18-50 (age nearest) |
10 Yr Guar Full 15 Yr. / 18-70 18-60 20 Yr. / 18-70 18-55 30 Yr. / 18-65 18-45 (age last) |
15 Yr. / 18-65 20 Yr. / 18-65 30 Yr. / 18-55 (NT) 30 Yr. / 18-50 (T) (age nearest) |
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Minimum Face |
100K |
50K / 15, & 20 Yr. 100K 30-Yr 150K / Pref. & Ultra Pref. Classes |
150K ages 18-59 100K ages 60-70 |
250K 500K Super Pref. class |
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Underwriting Classes |
Pref. Plus NT Pref. NT, Std Plus NT, Std NT, Pref. T, Std T |
Ulltra-Pref. NT Pref. NT Std NT Pref. T, Std T |
Pref, NT Std NT Pref. T Std T |
Super-Pref. NT Pref.-Plus NT Pref. NT, Std NT Pref. T, Std T |
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Banding |
100K-149,999 150K-249,999 250K-499,999 500K+ |
50K - 99,999 100K - 250K 250K |
1 Band |
250K -499,999 500K+ |
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Convertibility |
End of term period or age 75 (whichever occurs first) |
First 10 Years or age 65 (whichever occurs first) 1st policy Yr. only age 65-75 |
First 10 Years |
First 10 Years |
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Competitive Features |
Terminal Illness Endorsement No policy fee Paid up life option |
ROP / additional riders Excellent smoker rates Non-medical to 100K / age 65 Disability income rider |
ROP / riders & table ratings Additional Insureds (4) Disability Income Rider Lib. Und., excellent T rates Accelerated Benefit |
ROP / riders & table ratings Additional Insureds (4) Excellent smoker rates Disability Income Rider Acce;erated Bemefit |
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Policy Fee |
none |
$70 Fully commissioable |
$60 Fully commissioable |
$60 Non commissionable |
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Street Commission |
15 Yr. / 20 & 30 Yr./ |
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Product Info |
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* Product coverage, riders and availability may vary by state. |
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