As the sole income provider for her family of three, Melissa, 29, wants to make sure that her children, ages 1 and 5, will still be able to attend college in the event of her premature death. At her current savings rate, Melissa expects to fully fund both children’s college educations within 17 years.

The Solution
AG Select-a-Term^SM offers incremental term periods between 15 and 30 years, so Melissa can purchase a 17-year term policy and only pay for the coverage she needs. As a 29-year old female in the Preferred Plus underwriting class, Melissa can purchase a $250,000 policy guaranteed for 17 years for only $12.16 a month.¹

The cases presented are not actual and are for illustrative purposes only.
¹ Premium rates current as of November 16, 2009; rates may vary by state. Premiums available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if policy is renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years. Guarantees are subject to the claims-paying ability of the issuing insurance company.