|
AGL Horizon Index Annuity Information
All
AIG products (life & annuity) can be appointed through
the contract below:
AIG Broker Appointment, Contracting Paperwork & Instructions - (required to be appointed - fax to 315-655-4784)
AIG
Product Portfolio
AIG
How to Submit Business
TheUSBroker
AIG info, fax numbers and COVER SHEET
AIG
Premium Financing: Providing premium dollars for
illiquid clients
FOLLOW
THESE STEPS TO GET PAID
Fixed deferred annuities provide long-term tax-deferred wealth
accumulation in a fixed-interest contract. AIG Life Brokerage
features the Horizon Series of deferred annuities from American
General Life.
American General Life
SINGLE PREMIUM DEFERRED ANNUITIES
AG HorizonMYG™
- Single-premium deferred annuity with market value adjustment
- 4 percent first-year interest rate bonus
- 6-year guaranteed interest rate from date of issue
- Death benefit equaling the annuity value
- 10 percent "free" withdrawals in all years (including
year 1)
- 10-year surrender charge schedule (10%, 9%, 8%, 7%, 6%,
5%, 4%, 3%, 2%, 1%, 0%)
- Free withdrawals up to 10% of annuity value as of previous
contract anniversary
- Nonqualified: issued to age 85; $5,000 minimum
- Qualified: issued to age 85; $5,000 minimum
- Extended care rider
Marketing materials:
HorizonMYG
Product Specs (AGLC101203-D)
HorizonMYG
Consumer Brochure (AGLC101215-D)
AG HorizonIndex™ Annuity
- Indexed single-premium deferred annuity with market value
adjustment
- Plan options: 9-year and 12-year
- Three interest crediting strategies:
- an annual strategy with a monthly point-to-point additive
method of interest determination
- a biennial strategy using a point-to-point method of interest
determination
- a strong fixed account with a multi-year guarantee
- A well known Index used for indexing strategies
- Premium bonus may be applied and allocated to each interest
crediting strategy
- Withdrawal charge schedule: 9-year plan (10%, 10%, 9%,
8%, 7%, 6%, 5%, 4%, 2%, 0%)
- 12-year plan (12%, 12%, 12%, 12%, 12%, 11%, 10%, 9%, 8%,
7%, 5%, 3%, 0%)
- 10% free annual withdrawal after first year
- Free systematic withdrawal of interest allowed from fixed
interest account
- Nonqualified: issued to age 85; $5,000 minimum
- Qualified: issued to age 85 (0-70 for IRAs); $5,000 minimum
- Extended care rider
Marketing materials:
HorizonIndex
Product Specs (AGLC101100-D)
HorizonIndex
Producer Guide (AGLC101114-D)
HorizonIndex
Consumer Brochure small (AGLC101120-D)
HorizonIndex
Consumer Brochure large (AGLC101121-D)
AG HorizonPLUS 2004™
- Single-premium deferred annuity with market value adjustment
- Current interest rate guaranteed for 6 years
- 6% interest rate enhancement in first year
- 2% minimum guaranteed interest rate thereafter
- 9-year monthly-declining surrender charge (9%, 9%, 8%,
7%, 6%, 5%, 4%, 3%, 2%, 0%)
- 10% free annual withdrawal
- Free systematic withdrawal of interest after 30 days
- Nonqualified: issued to age 85;$5,000 minimum
- Qualified: issued to age 70 qualified; $2,000 minimum
- Extended care rider
Marketing materials:
HorizonPLUS
2004 Product Specs (AGLC101202-D)
HorizonPLUS
2004 Consumer Brochure (AGLC101285-D)
AG Horizon CHOICE™
- Single-premium deferred annuity with market value adjustment
- Lock in interest rate for 5, 7, 8, 9 or 10 years
- 2% minimum guaranteed interest rate thereafter
- 7-year declining surrender charge (7%, 6%, 5%, 4%, 3%,
2%, 1%, 0%)
- 10% free annual withdrawal
- 30-day free withdrawal window after MVA term
- Free systematic withdrawal of interest after 30 days
- Nonqualified: issued to age 85; $5,000 minimum
- Qualified: issued to age 70; $2,000 minimum
- Extended care rider
Marketing materials:
HorizonCHOICE
Product Specs (AGLC101325-D)
HorizonCHOICE Consumer Brochure (AGLC100797-D)
FLEXIBLE PREMIUM DEFERRED ANNUITIES
AG HorizonFlex™ Annuity (flexible premium deferred
annuity)
- Flexible-premium deferred annuity
- 2 percent interest rate enhancement for all premiums deposited
in year 1
- Deposits as low as $50 per month (if EFT through a bank
is established)
- No Market Value Adjustment (MVA)
- Annuity Value at death
- 10 percent "free" withdrawals in all years (including
year 1)
- Required Minimum Distributions available in all years
without a withdrawal charge
- Annuitization utilizing annuity value for any income plan
if after the 5th contract year and for a life contingent
option or at least 5 years
- Extended Care Rider
Marketing materials:
HorizonFlex Product Specs (AGLC101321-D)
HorizonFlex Consumer Brochure (AGLC101303-D)
AG HorizonVM™
- Flexible-premium deferred annuity
- Used in Section 412(i) plans and other flex premium sales
- Initial interest rate on initial deposit guaranteed for
one year
- 2% minimum guaranteed interest rate thereafter
- 5-year level surrender charge (5%)
- Level commission
- 10% free annual withdrawal
- Free systematic withdrawal of interest after 30 days
- Nonqualified: issued to age 85
- Qualified: issued to age 70
- $500 or $25 per month minimum
Marketing materials:
HorizonVM Product Specs (AGLC100800-D)
HorizonVM consumer brochure (AGLC100803 REV1003)
Current interest rates subject to change at any time without
prior notice.
All
AIG products (life & annuity) can be appointed through
the contract below:
AIG Broker Appointment, Contracting Paperwork & Instructions
AIG
Product Portfolio
AIG
How to Submit Business
TheUSBroker
AIG info, fax numbers and COVER SHEET
AIG
Premium Financing: Providing premium dollars for
illiquid clients
FOLLOW
THESE STEPS TO GET PAID |
