American National: New IUL and GUL Highlights!
Guaranteed Universal Life
We are the Competition: #1 GUL company (Most of the time) and # 2 in GUL Market Share.
Product Highlights:
- Highly competitive premiums for ages 40-75 usually #1.
- Express Underwriting up to $1,000,000
- Cash Back Rider – 100% return of premium in years 20 and 25 and up to 65% in year 15.
- Living Benefits – $2,000,000 for Critical, Chronic and Terminal Illness (Full or Partial Acceleration)
- Rolling Target – Pay commissions on a rolling target for the first 24 months
- Contractual late payment guarantee.
Below are a couple comparisons of our GUL.
The New Signature Performance IUL SIGNIFICANTLY INPROVES accumulation and distribution. American National ranks in the top 5-10 companies in the IUL marketplace.
Product Highlights:
- Higher Cash Value accumulation
- Higher Maximum Distribution
- Higher Commissionable Target Premiums (Higher commissions for agents)
- CVAT available in addition to GPT
- Fixed bonus guarantee of 10bps – (introducing product with a 25bps bonus)
- 15 year no lapse guarantee
- 15 year surrender charge
- Improved older ages COIs
- No Account Value charges
- Reduced premium load charge from 6% to 4.75%
- AG49B compliant
