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QoL Consumer Disclosures

Important consumer disclosures

Policies issued by American General Life Insurance Company (AGL), Houston, TX. Issuing company AGL is responsible for financial obligations of insurance products. Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit, issue or deliver policies or contracts in the state of New York. Products may not be available in all states and product features may vary by state. Please refer to your policy.

QoL Guarantee Plus GUL II

Policy Form Numbers: ICC15-15442, 15442; Rider Form Numbers: ICC15-15600, 15600, 13600-5, ICC18-18012, 18012, ICC16-16420, 16420, 15972, ICC14-14002, 14002, ICC15-15990, 15990, ICC15-15602, 15602, ICC15-15603, 15603, ICC15-15604, 15604, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR. Products may not be available in all states and product features may vary by state.

QoL Max Accumulator+ III

Policy Form Numbers: ICC22-22191, 22191; Rider Form Numbers: 15600, ICC15-15600, ICC18-18012, 18012, ICC16-16420, 16420, 14306, 07620, ICC14-14002, 14002, 15996, 15997, ICC15-15994, 15994, ICC18-18004, 18004, ICC15-15602, 15602, ICC15-15603, 15603, ICC15-156404, 15604. Products may not be available in all states and product features may vary by state. 

QoL Max Accumulator+ II  (California only)

Policy Form Numbers: ICC19-19646, 19646; Rider Form Numbers: 13600-5, 18012, 16420, 14306, 07620, 14002, 15996, 15997, 15994, 18004, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR. Products may not be available in all states and product features may vary by state. 

QoL Value+ Protector III

Policy Form Numbers: ICC16-16760, 16760; Rider Form Numbers: 15600, ICC15-15600, 13600-5, ICC18-18012, 18012, ICC16-16420, 16420, 07620, ICC14-14002, 14002, ICC15-15992, 15992, 15997, ICC18-18004, 18004, ICC15-15990, 15990, ICC15-15602, 15602, ICC15-15603, 15603, ICC15-15604, 15604, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR. Products may not be available in all states and product features may vary by state.

QoL Flex Term

Policy Form Numbers: ICC21-19310 Rev0321, ICC21-19311 Rev0321, 19310-10A Rev0321, 19311-10A Rev0321; Rider Form Numbers: ICC14-14012, 14012, ICC14-14001, 14001, ICC16-16420, 16420, ICC15-15602, 15602, ICC15-15603, 15603, ICC15-15604, 15604, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR. Products may not be available in all states and product features may vary by state.

Accelerated Benefit Riders

Important Consumer Disclosures Regarding Accelerated Benefit Riders. Disclosures Applicable to:

  • Critical Illness Accelerated Death Benefit Rider
  • Chronic Illness Accelerated Death Benefit Rider
  • Terminal Illness Accelerated Death Benefit Rider

(1) When filing a claim for Qualifying Critical Illness under a Critical Illness Accelerated Death Benefit Rider, for Qualifying Chronic Illness under a Chronic Illness Accelerated Death Benefit Rider, or for Qualifying Terminal Illness under a Terminal Illness Accelerated Death Benefit Rider, the claimant must provide to the Company a completed claim form and then-current Certification which must be received at its Administrative Center.

(2) If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Critical Illness Accelerated Benefit Amount as to the occurrence of the Qualifying Critical Illness in question. To make such an election, the Owner must complete an election form and return it to AGL within the Election Period set forth in the rider (i.e., within 60 days of the owner’s receipt of the election form).

The Company will not provide a later opportunity to elect a Critical Illness Accelerated Benefit Amount under a Policy as to the same occurrence of a Qualifying Critical Illness.

(3) If a benefit under the Chronic Illness Accelerated Death Benefit Rider or under the Terminal Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with an opportunity to elect a Chronic Illness Accelerated Benefit Amount as to the Qualifying Chronic Illness in question or to elect a Terminal Illness Accelerated Death Benefit Amount as to the Qualifying Terminal Illness in question, as applicable. To make an election, the Owner must complete an election form and return it to AGL within 60 days of the Owner’s receipt of the election form.

(4) Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness or a Qualifying Chronic Illness and, notwithstanding the Minimum Accelerated Benefit Amount provision, the accelerated benefit may be zero.

(5) See your policy for applicable requirements concerning claim and election forms for accelerated death benefits.

(6) Benefits payable under an accelerated death benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material.

(7) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness.

The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro-rata amount of any loan balance.

(8) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $2,000,000.

(9) See your policy for details.

NOT Long-Term Care Insurance

The activities of daily living are bathing, continence, dressing, eating, toileting, and transferring.

This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement policy.

An accelerated death benefit such as the Chronic Illness Accelerated Benefit Rider and long-term care insurance provide very different kinds of benefits:

Generally, an accelerated death benefit is a rider to or other provision in a life insurance policy that permits the policy owner to accelerate some or potentially all of the death benefits of a life insurance policy if the insured meets the definition of having a chronic illness as defined in the rider or policy provision. Acceleration of death benefits and payments under such an accelerated death benefit will reduce the death benefit of the policy and reduce other policy values as well, potentially to zero. If the entirety of the insurance amount is accelerated, the policy terminates.

A Long Term Care insurance policy is an insurance policy, certificate, or rider providing coverage for diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services that are provided in a setting other than an acute care unit of a hospital. Long-term care insurance includes all products containing any of the following benefit types: coverage for institutional care including care in a nursing home, convalescent facility, extended care facility, custodial care facility, skilled nursing facility, or personal care home; home care coverage including home health care, personal care, homemaker services, hospice, or respite care; or community-based coverage including adult day care, hospice, or respite care. Long-term care insurance includes disability-based long-term care policies but does not include insurance designed primarily to provide Medicare supplement or major medical expense coverage.

If you are interested in long-term care, nursing home, or home care insurance, you should consult with an insurance agent licensed to sell that insurance, inquire with the insurance company offering the accelerated death benefits, or visit the California Department of Insurance Internet Web site (www. insurance.ca.gov) section regarding long-term care insurance.

If you choose to accelerate a portion of your death benefit, doing so will reduce the amount that your beneficiary will receive upon your death.

Receipt of accelerated death benefits may affect eligibility for public assistance programs, such as Medi-Cal or Medicaid. Prior to electing to receive the accelerated death benefit, you should consult with the appropriate social services agency concerning how receipt of accelerated death benefits may affect that eligibility.

If the policy terminates, the Chronic Illness Accelerated Death Benefit Rider will also terminate.

LTC expense reimbursement vs. ADB benefits are paid without receipts. LTC benefits are based on benefit levels and a pool of money selected at the time of purchase, and ADB benefits depend on the life policy value. ADB benefits will reduce the death benefit that the policyholder’s heirs will receive, and the use of the ADB proceeds is unrestricted, whereas LTC benefits will not reduce the death benefit that the policyholder’s heirs will receive and the policyholder must use LTC benefits for LTC services.

Quality of Life. . .Insurance is a suite of life insurance products. In addition to needed life insurance protection, it also offers living benefits through QoL Accelerated Benefit Riders. If you suffer a qualifying event, the QoL Accelerated Benefit Riders can provide an advance of your policy’s death benefit to cover the costs of care, recoup lost income or any other purpose.

A qualifying illness is an illness or physical condition that was initially certified by a license health care practitioner within the past 12 months and affects the insured person so that he or she: 

  • Is unable to perform at least two Activities of Daily Living (ADLs) for a period of at least 90 days; or 
  • Requires substantial supervision by another person to protect the insured person from threats to health and safety due to severe cognitive impairment.

Activities of Daily Living:

  • Bathing
  • Dressing
  • Toileting
  • Transferring
  • Continence
  • Eating

Quality of Life. . .Insurance also offers:

  • The flexibility to choose your coverage amount and duration, even up to your full lifetime.
  • A supplemental retirement income rider that can help protect you against outliving your savings.*
  • The option to accumulate cash value within the policy that you can access, typically on a tax-preferred basis.
  • The option to add additional discounted term coverage for yourself, your spouse or your children.1

* Feature available on QoL Guarantee Plus GUL II

Some life insurance policies offer options that provide benefits to help with medical expenses, retirement or other life events. Since you don’t have to die to receive these benefits, they’re called "living benefits." Quality of Life Insurance products include living benefits that can help make an impact on your lifelong security and peace of mind.

1 Subject to terms and conditions.

The use of accelerated death benefits is unrestricted. Corebridge Financial offers chronic, critical, and terminal illness riders which can also be described as Accelerated Benefit Riders.

The benefits payable are intended to receive favorable tax treatment under IRC Section 101(g); however, under certain circumstances, the benefits payable may be taxable.

The accelerated benefits payable under Chronic Illness Accelerated Death Benefit rider are intended for favorable tax treatment under section 101(g) of the internal revenue code. There may be tax consequences of accepting an accelerated benefit payment amount above the amount that would be tax qualified under the internal revenue code.

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