Confidential Life Insurance – Secret – do not copy. All information contained in this document is confidential and proprietary to AIG. unauthorized use,
Presentation on: “Top Secret – Do Not Copy. All information contained in this document is confidential and proprietary and belongs only to AIG. Unauthorized Use” – Presentation Transcript:
Confidential Life Insurance
1. Completely confidential – do not copy. All information contained in this document is confidential and proprietary to AIG. Unauthorized use, reproduction or disclosure of this information is prohibited. Offered Protection You Didn’t Know You Needed: Title from American General Life Insurance Company, AIG’s most confidential member – don’t copy. All information contained in this document is confidential and proprietary to AIG. Unauthorized use, reproduction or disclosure of this information is prohibited.
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2 What keeps you up at night? Worried about having enough money for retirement? You are not alone…
4 Health Care Costs Significantly Affect Retirement Assets Q2 2011 SMS Retirement Recovery Study SUNAMERICA Harris Interactive Surveys National Sample of Adults 55+ September 2014 2014 ASCO Annual Meeting 2011
5 What if you could get “retirement insurance”? Everyone does 1 of 3 things while they live: 1. Die earlier 2. Live longer 3. Live longer. We know life insurance takes care of #1… but what about asset protection against withdrawals. #2 and #3? Benefit from your own life insurance policy Convert life insurance into a liquid pool at virtually any cost Enjoy a more financially secure retirement
7 Life Insurance AG Asset Protector ® Life Insurance Rider Package AG Secure Lifetime GUL II – Base Policy for AG Asset Protector Permanent Life Insurance with Option® Accelerated access to death benefit and cash value Solution ® – Chronic Illness Rider 1 Qualifying Illness out of bounds with 6 Activities of Daily Living 2 makes you unable or severely cognitively impaired Income Solution – Longevity Rider 1 Receive a 100% death benefit if you live to age 85 for any reason 3 1 Fees may apply for each rider selected. See the driver for details on benefit descriptions, limitations and exclusions. 2 The IRS maintains a maximum daily rate each year. The 2014 maximum is $330 per day or $9,900 per month. It may increase in the coming years. 3 Policyholders should consult a qualified tax advisor under applicable federal income tax laws.
The Living Benefits Of Cash Value Life Insurance
8 Consider Retirement Insurance Banish retirement fears with “You don’t have to die to take advantage of life insurance”… AG Asset Protector Benefit from your own life insurance policy.
9 It’s the protection you didn’t even know you needed Hear how the innovative AG Asset Protector can work for you
10 Learn More: RetireStronger.com Go to RetireStronger.com Amazing Health Statistics Important Retirement Statistics Informational Videos Product Brochures
12 issued policies: American General Life (AGL), Policy Form #13460, ICC13-13460, 13717, ICC13-13717; Rider Form Numbers 13600, ICC13-13600, 13972. Issuing Company AGL is responsible for the financial obligations of the insurance products and American International Group, Inc. (AIG) is a member. AGL does not do business in New York State. Products may not be available in all states and product features may vary by state. Guarantees are backed by the insurance company’s ability to pay claims. AGLC108241-Client © AIG 2015. All rights reserved.
What Would Superhero Life Insurance Cost?
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We collect and transfer user data to processors for the operation of this website. To use this website, you must agree to our privacy policy, including our cookie policy. When we were little, we all wanted to have a superhero. They perform amazing feats to protect those around them – and look great in spandex while doing it!
Fortunately, there are things we can all do to become heroes in real life. How to buy life insurance to protect the people and things we love. (No magic bracelets or web slings required – just a few clicks.)
But what if you were actually a legit superhero? Some of these over-the-top people lead pretty dangerous lives – can they get life insurance? We analyzed five popular superhero movies to find out just how dangerous their careers are. Find out below how much life insurance costs if you become a superpower.
Superhero Life Insurance
Our project analyzed several movies to find the level of danger for each superhero. We identified four risk factors for each character: risk factors, actual physical injury, exposure to harmful materials and firearms. For each risk factor, proportional scores were assigned to the different individual factors. For example, in the physical injury category, an injury resulting from a fist fight is given a lower score than a serious injury such as a stabbing. To measure this impact, the Vantis Life team watched all the films and looked at each injury scenario, then assigned scores to give the five an overall risk score.
To calculate the cost of insurance for each superpower, we first need a common base rate. We assumed that the average annual cost of life insurance is $478 – a $500,000 policy for a 20-year term for a 40-year-old male. We then applied a baseline risk score of five (5) to the average person. We did the following to get the total cost of our insurance.
(Superhero Risk Score/Average Human Risk Score) x Total Regular Policy Coverage = Total Insured Cost of Superhero Insurance
To get a better idea of how job risk can affect your annual insurance costs, we looked at the annual insurance costs for a “high risk” civil work, in this case roofing. To determine the policy amount paid out each year, we divide the annual limit value by the total policy amount and then multiply that amount by each hero’s policy value. We did the following calculation to find our total annual cost.
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(Annual Limit Insurance Cost/Total Policy) x Total Excess Policy) x (Excess Risk Rate/Risk Limit Estimate) = Annual Excess Cost
Please note that these are not typical insurance cost calculations, but quotes created to reflect the unique risk of superheroes.
Our content is created for educational purposes only. This material is not intended to provide tax, legal or investment advice and should not be relied upon. Vantis Life encourages individuals to seek advice from their own investment, tax or legal advisor.