American General introduces two new products – Max Accumulator+ and Value+ Protection, and CI rider enhancements.


Max Accumulator+ – Cash Accumulation

Max Accumulator+ is a powerful new, accumulation-focused index universal life insurance product designed to deliver both potential growth and the tax advantaged income your clients need, when they need it. Plus, it incorporates a unique combination of cash value enhancement features and riders not currently available in any other single policy.

  • Guaranteed income for life rider (annuity like payout)
  • Death benefit installment payout option may decrease COI and increase cash value
  • Updated chronic illness rider – permanency requirement removed


Value+ Protector – Death Benefit Protection

Value+ Protector is an index universal life product designed to help serve your clients’ long-term care needs for personal and business financial security. It combines many of the advantages of guaranteed universal life insurance with special features and crediting strategies that help reduce costs and deliver maximum value.

  • Extended guarantees up to age 121
  • Updated chronic illness rider – permanency requirement removed
  • Includes unique options to extend death benefit protection at no extra cost


 Value+ Protector


 Max Accumulator+

For details:

Optimized for  Guaranteed protection Accumulation and income
 Target ages  40-70 35-55
 Potential client
  •  Focused on guarantees
  • More risk tolerant than GUL buyers
  •  Higher income or affluent with investable assets
  • Small business owners
  • Less risk tolerant than VUL buyers but still willing to accept some risk
 Client needs
  •  Death benefit protection for income replacement, wealth transfer or estate planning
  • Economical alternative to GUL
  • Opportunity to grow cash value in addition to guarantees
  •  Accumulation and tax-protected gains for retirement income, college funding or other cash needs
  • Supplement to traditional/Roth, 401(k), IRA or 529 plan
  • No direct market exposure


Chronic Illness Rider (Updated!) – Accelerated Access Solution

  • Permanency requirement removed for qualifying illness
  • Increased lifetime maximum benefit from $1.5M to $3M
  • Available on Max Accumulator+, Value+ Protector and Secure Lifetime GUL 3


Transition Rules:

Value+ Protector (replaces Value+ IUL):

Value+ Protector replaces the Value+ IUL in those states where it is approved.

Applications received on or before June 17, 2016 will automatically receive the Value+ IUL rates and features unless the new Value+ Protector is specifically requested.

Applications received after June 17, 2016 will automatically receive the new Value+ Protector rates and features.

Any state currently not approved will receive a minimum transition period of 45 days.

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.

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

GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

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