Finally, security on your terms
Life doesn't fit into neat little five-year plans, which are the norm for most term life insurance policies. With AG Select-a-Term life insurance, you can protect your family while only paying for the coverage you need—no more, no less. We are the only major carrier to offer 17 separate term options, giving you the flexibility to coordinate a plan to coincide with known future events, like retirement, paying off a mortgage or funding your children's college education.

Customer profile
Jay and Sheila, a married couple in their early 30s, currently live on a tight budget and have 25 years left on a $250,000 home mortgage. With AG Select-a-term, they can purchase a relatively inexpensive 30-year policy, saving them thousands of dollars when compared to the cost of a typical 30-year term plan.

Highlights

• A choice of 10-year or 15- through 30-year terms of affordable life insurance coverage.
• Full convertibility to a permanent life insurance policy of the company's choosing, up to the end of the level-premium period or age 70 of the insured, whichever comes first.
• A terminal illness endorsement¹ providing the option to accelerate the lesser of $250,000, or 50 percent of your policy death benefit, if the insured is diagnosed by a qualified physician as having 12 months or fewer to live. Not available on the United States Life version of the product.
• Issue Ages: 20 – 70 (available term durations vary with issue ages).²
• Minimum Death Benefit: $100,000.
• Endorsement on AG Select-a Term allowing conversion to AG ROP Select-a-Term^® within first two years of coverage (not available in all states).

• Accidental Death Benefit: Pays a death benefit in addition to the death benefit of the base policy if such death resulted from certain accidental injuries.
• Waiver of Premium: Automatically waives policy premiums after six months for American General Life or four months for United States Life in the event of the insured's total disability (not available if the face amount of the policy exceeds $5 million).
• Child Rider: Pays a death benefit to the insured parent upon the death of an insured child.
• Disability Income Rider: Can pay a monthly benefit up to two years if you are unable to work because of an illness or injury. While you are receiving benefits under this rider, all policy and rider premiums are waived. Not available on The United States Life version of the product.
• Select Income Rider: Pays a monthly benefit for as little as five years and up to 40 years upon the death of the insured. Provides monthly payments as low as $500.

¹ Terminal illness endorsement is automatically included in the policy at no additional premium. State variations apply, and the endorsement is not available in all states. Any amount advanced is subject to a one-time fee and other terms and conditions. See your policy for details.
² Issue ages may vary by state, term period and by risk classification.
³ See the policy and riders for complete details. There may be a charge for each rider you select. All benefits payable are subject to the terms and conditions of the policy and riders, including benefit durations, limitations and exclusions. Not all benefits, rates and exclusions are covered in every state. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.

Policies issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, TX 77019
AG Select-a-Term Policy Form Number 07007
AG ROP Select-a-Term Policy Form Number 06001
Accidental Death Benefit Rider Form Number 79002
Child Rider Form Number 79410
Terminal Illness Rider Form Number 91401
Waiver of Premium Rider Form Number 79001
Disability Income Rider Form Number 06305
Select Income Rider Form Number 08818

The United States Life Insurance Company in the City of New York
70 Pine Street, New York, NY 10072
AG Select-a-Term Policy Form Number 09007N
AG ROP Select-a-Term Policy Form Number 08701N
Accidental Death Benefit Rider Form Number ADB 79-1E
Child Rider Form Number CI 79-1E
Terminal Illness Rider Form Number 91401
Waiver of Premium Rider Form Number WP 79-1E
Select Income Rider Form Number 08818N

The underwriting risks, financial obligations and support functions associated with the products issued by American General Life Insurance Company (American General Life) and The United States Life Insurance Company in the City of New York (United States Life) are the issuing insurer's responsibility. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life and United States Life. United States Life is authorized to conduct insurance business in the state of New York. Policies and riders not available in all states.