NAILBA Perspectives - September/October 2015 - (Page Intro)

Value+ IUL 5 The things you need to know. 1 2 3 4 5 Market-leading price In all rate classes...with short-pay and single premiums Performs well at low illustrated rates Even at 4% and 5% returns...helps minimize the impact of volatility to the client Guaranteed persistency bonus Not all bonuses are the same...ours is guaranteed- many carriers can't say that Unlocked Surrender Charges Lump sums and 1035s available in year 3...without surrender charge1 2 Life Expectancy Guarantees up to Age 85 After age 85 on a non-guaranteed basis for client's lifetime3 For more information, visit Internal Revenue Code Section 1035 and associated rules are complex in nature. The policy owner may incur surrender charges from the previous policy and be subject to new sales and surrender charges and other limitations with the new policy. It is highly recommended that the policy owner consult a tax advisor prior to exchanging a policy. Depending on the client's issue age, underwriting and level of planned premium payments. 3 Based on current assumed charges, interest crediting and premium payments. 1 2 Please keep in mind that AGL and their distributors and representatives may not give tax, accounting, or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the Company's understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Your clients should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers ICC14-14779, 14779; Rider Form Numbers 13600, 82012, 82410, 88390, 13601, 07620, 14119, 82001, 82001-5 Rev 0914 except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life), Policy Form Numbers 14779N, 14779NU; Rider Form Numbers ADB 79-1E, CI 79-2E.1, 07620N, 14119N, 82001N. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. FoR FINANCIAL PRoFESSIoNAL USE oNLY. NoT FoR USE wITh ThE PUBLIC. AGLC108918 © AIG 2015. All rights reserved.‐NAILBAdigitalPub-‐ValueIUL-‐FiveThingsToKnow-‐Aug2015

Table of Contents for the Digital Edition of NAILBA Perspectives - September/October 2015

NAILBA Perspectives - September/October 2015
Chariman's Corner
CEO Insights
The Fine Art of Transition
NAILBA Charitable Foundation
Agency Successor Networking Group
Life Happens
Gearing up for NAILBA 34
NAILBA 34 Program Review
Calendar of Events
Index of Advertisers

NAILBA Perspectives - September/October 2015