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Leavinga Legacy
Leavinga Legacy
The things that were important to you in your 20’s, how different are they from the things that are important to you now?
TheAccumulationPhase
TheAccumulationPhase
• MarriageMarriage
• ChildrenChildren
• Buying a HomeBuying a Home
• Work / Career BuildingWork / Career Building
• Begin InvestingBegin Investing
• MarriageMarriage
• ChildrenChildren
• Buying a HomeBuying a Home
• Work / Career BuildingWork / Career Building
• Begin InvestingBegin Investing
ThePreservationPhase
ThePreservationPhase • Preserve Preserve
Accumulated AssetsAccumulated Assets
• Maintain Standard of Maintain Standard of LivingLiving
• Make it LastMake it Last
• Preserve Preserve Accumulated AssetsAccumulated Assets
• Maintain Standard of Maintain Standard of LivingLiving
• Make it LastMake it Last
TheDistributionPhase
TheDistributionPhase • After a lifetime of After a lifetime of
accumulation, what is accumulation, what is the best way to pass it the best way to pass it along to loved ones?along to loved ones?
• How can I pass along How can I pass along the maximum amount?the maximum amount?
• After a lifetime of After a lifetime of accumulation, what is accumulation, what is the best way to pass it the best way to pass it along to loved ones?along to loved ones?
• How can I pass along How can I pass along the maximum amount?the maximum amount?
What’s IMPORTANTto Seniors?
What’s IMPORTANTto Seniors?
Spending Time with Family
Spending Time with Family
What’s IMPORTANTto Seniors?
What’s IMPORTANTto Seniors?
Physical WellbeingPhysical Wellbeing
What’s IMPORTANTto Seniors?
What’s IMPORTANTto Seniors?
Work for Pay
Volunteer
Work for Pay
Volunteer
What’s IMPORTANTto Seniors?
What’s IMPORTANTto Seniors?
TravelTravel
What’s IMPORTANTto Seniors?
What’s IMPORTANTto Seniors?
Financial Financial SecuritySecurityFinancial Financial SecuritySecurity
What’s IMPORTANTto Seniors?
What’s IMPORTANTto Seniors?
Leave a LegacyLeave a Legacy
Andrew Carnegie
Andrew Carnegie
John D. Rockefelle
r
John D. Rockefelle
r
Rockefeller Chapel
University of Chicago
Rockefeller Chapel
University of Chicago
Carnegie Museum
of Natural History
Carnegie Museum
of Natural History
Leaving a LegacyLeaving a Legacy
• Property – Homes, Land, FarmsProperty – Homes, Land, Farms
• Family BusinessesFamily Businesses
• Heirlooms – Antique Furniture, SilverHeirlooms – Antique Furniture, Silver
• Collections – Art, Automobiles, CoinsCollections – Art, Automobiles, Coins
• Cash SavingsCash Savings
• Life InsuranceLife Insurance
• Property – Homes, Land, FarmsProperty – Homes, Land, Farms
• Family BusinessesFamily Businesses
• Heirlooms – Antique Furniture, SilverHeirlooms – Antique Furniture, Silver
• Collections – Art, Automobiles, CoinsCollections – Art, Automobiles, Coins
• Cash SavingsCash Savings
• Life InsuranceLife Insurance
A legacy is anything of value you want to pass on to someone else.
A legacy is anything of value you want to pass on to someone else.
What if you could INCREASE the value of your cash estate?
What if you could INCREASE the value of your cash estate?
Leaving a LegacyLeaving a Legacy
TheAGLA LegacyPlus ® Story
Life InsuranceLife Insurance
• ProbateProbate
• Income TaxesIncome Taxes
• Family ConcernsFamily Concerns
• ProbateProbate
• Income TaxesIncome Taxes
• Family ConcernsFamily Concerns
Three Problemsto Avoid
• Take Care of Take Care of YourselfYourself
• Take Care of Your Take Care of Your Family Upon Your Family Upon Your DeathDeath
• Take Care of Take Care of YourselfYourself
• Take Care of Your Take Care of Your Family Upon Your Family Upon Your DeathDeath
The LegacyPlus Solution
The LegacyPlus Solution
The AGLAAnnuity SolutionThe AGLAAnnuity Solution
If you do not qualify for Life Insurance, another option is to use an AGLA Annuity to create a legacy…
If you do not qualify for Life Insurance, another option is to use an AGLA Annuity to create a legacy…
TheAGLA LegacyPlus ® Story
AGLA Annuities
• PreservePreserve – stable – stable investmentinvestment
• EnhanceEnhance – growth through – growth through competitive interest rates competitive interest rates and tax deferraland tax deferral
• TransferTransfer – assets to loved – assets to loved ones without costs and ones without costs and delays of probatedelays of probate
• PreservePreserve – stable – stable investmentinvestment
• EnhanceEnhance – growth through – growth through competitive interest rates competitive interest rates and tax deferraland tax deferral
• TransferTransfer – assets to loved – assets to loved ones without costs and ones without costs and delays of probatedelays of probate
An AGLA Annuity Allows You to…An AGLA Annuity Allows You to…
AGLA LegacyAGLA LegacyPlusPlus® ® Life InsuranceLife Insurance
• Efficient transfer of assets to loved onesEfficient transfer of assets to loved ones
• Maximize money available to surviving family Maximize money available to surviving family membersmembers
• Accelerated Benefit Riders that provide living benefitsAccelerated Benefit Riders that provide living benefits
• Guaranteed Death BenefitGuaranteed Death Benefit
AGLA AnnuityAGLA Annuity
• Accomplishes many of the same thingsAccomplishes many of the same things
• Competitive interest rateCompetitive interest rate
Leaving a LegacyLeaving a Legacy
Are you interested in providing your heirs, favorite charity, or church with a federal income tax-free gift?
Are you interested in providing your heirs, favorite charity, or church with a federal income tax-free gift?
Are you interested in providing your loved ones with a legacy that avoids the costs, delays and publicity of probate?
Are you interested in providing your loved ones with a legacy that avoids the costs, delays and publicity of probate?
Is having access to your Life Insurance benefits in the event of a serious long term chronic illness important to you?
Is having access to your Life Insurance benefits in the event of a serious long term chronic illness important to you?
Life Insurance you don’t have to die to use.
Life Insurance you don’t have to die to use.
• Founded in Nashville, Tennessee in 1900
• Provides Life Insurance, Supplemental Health Insurance and Annuity Products
• Over 3 Million Customers
• Our Quality of Life…InsuranceSM is Changing the Way Americans Think About, Purchase and Use Life Insurance.®
• Founded in Nashville, Tennessee in 1900
• Provides Life Insurance, Supplemental Health Insurance and Annuity Products
• Over 3 Million Customers
• Our Quality of Life…InsuranceSM is Changing the Way Americans Think About, Purchase and Use Life Insurance.®
Home Office in Nashville, Tennessee
Thank You!Thank You!Please complete an interest card and return it to me before leaving.
American General Life and Accident Insurance Company
American General Center Nashville, Tennessee 37250-0001
www.agla.com
American General Life and Accident Insurance Company
American General Center Nashville, Tennessee 37250-0001
www.agla.comThe underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life and Accident Insurance Company
(AGLA) are its responsibility. AGLA does not solicit business in the states of New York and Wyoming.
Policies may be subject to tax consequences when continued beyond the maturity date (Age 121). The policy may not qualify as life insurance under Internal Revenue Code after age 100.
Policy owners should consult a qualified tax advisor before electing this option.
The insurance company may contest the policy from the date of policy issue, a reinstatement of an increase in coverage,
during a period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material
fact on the application for such policy, reinstatement, or increase.
If an Insured Person dies by suicide within the suicide period provided by applicable law and described in the policy, the
death benefit will be limited as provided by the policy.
© 2009 All rights reserved.
The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life and Accident Insurance Company
(AGLA) are its responsibility. AGLA does not solicit business in the states of New York and Wyoming.
Policies may be subject to tax consequences when continued beyond the maturity date (Age 121). The policy may not qualify as life insurance under Internal Revenue Code after age 100.
Policy owners should consult a qualified tax advisor before electing this option.
The insurance company may contest the policy from the date of policy issue, a reinstatement of an increase in coverage,
during a period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material
fact on the application for such policy, reinstatement, or increase.
If an Insured Person dies by suicide within the suicide period provided by applicable law and described in the policy, the
death benefit will be limited as provided by the policy.
© 2009 All rights reserved.
Policy issued by American General Life and Accident Insurance Company.
For Policy Forms AGLA 5SIUL AGLA 05SP4I1; Contract Forms AGLA SPDA1, AGLA SPDA2 and AGLA SPDA3; and for Rider Forms AGLA 05BE4 and AGLA 05EC4 AGLA04CHIR, AGLA14CRIR, AGLA04TIR and state variations.
AGLA8400-LAL 0909
