The American General Life Insurance Company (AGL) is excited to share our updated growth-focused Index Universal Life (IUL) insurance product: Max Accumulator+, effective July 26, 2019!**

Product Features and Updates

In addition to offering upside potential and downside protection, client-controlled premiums and allocations, the updated 201 7 CSO product includes:

  • Reduced Premium Loads: decrease -2.5% across most ages/ durations
  • Transparent and affordable cost-structure: to help generate optimal, stable income in good or bad years
  • Strong Cash Value Potential: top tier product performance for cash accumulation and income distribution
  • Fast exam-free underwriting: available with our non-med program
  • Attractive fixed Account Value Enhancement in years 6+ regardless of market performance {also known as persistency bonus)
  • Flexible access to cash and benefits: through policy loans or a combination of innovative riders
  • Includes two proprietary index options with volatility control

Transition Rules

  • Applications received July 29, 2019 and after, will automatically receive new Max Accumulator+ IUL rates and features unless the old product is specifically requested.
  • Applications received after September 20, 2019 will only receive the new Max Accumulator+ IUL rates and the old Max Accumulator+ will no longer be able to be requested.
  • Reissue requests to new plan will not be honored.
  • New applications submitted to replace existing inforce coverage with the new rates will not be honored within 90 days of the existing coverage going inforce.
  • Applications for the old Max Accumulator+ product received in good order on or prior to September 20, 2019 must be paid and inforce by December 31, 2019 or a new illustration will be required and the new Max Accumulator+ product will be issued.


* (CSO) Commissioners’ Standard Ordinary Mortality Tables
* * CSO 2017 Mox Accumulator+ is not currently available in California or New York

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

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