Resources

Provide clients of any generation and at any life stage with the right solutions, at the right time in the right way.

Sales Tools

Useful tools in selling the right solution at the right time in the right way.

Generation Station

• Access the tool
• View training video

IUL sales tool: Life To The Max

• Access online tool
• View online training

Term quoting tool: Rapid Rater

• Access online tool
• Download the app: Apple App Store or Google Play

Policy Review Playbook

• Access the worksheets, case studies and more

Beneficiary Review Playbook

• Access the how-to guide, client journals and more

For Business Owner/Estate Clients

• Go to the AIG Advanced Markets Portal for consumer material, a reference library, specimen documents, training & more

Sales Concepts

Useful concepts and information that can be tailored for specific life stages.

Life Insurance

• Single with No Kids? Why Buy Life Insurance?
• Individual vs. Employer (Group) Life Insurance
• Life Insurance: Cheaper than a Cup of Coffee
• Determine Right Amount of Insurance
• Protect Your Home with Life Insurance
• Protect Your Child's Education with Life Insurance
• Lifetime Income Replacement
• Economy's Impact on Insurance Needs
• Long-Term Coverage for Special Needs Dependent
• Term Insurance Beyond Your Working Years
• Multiple Term Policies Allow for Changing Needs
• Two GUL Policies When Needs May Reduce Over Time
• Big Estate ... Big Liquidity Needs
• Equalize Your Estate with Life Insurance
• Two GUL Policies When Estate Tax Liability May Decrease
• Same IUL premium as GUL
• Lower IUL premium as GUL
• GUL & Protection IUL Combination

Chronic Illness

• Protection for Chronic Illness Expenses (single parent)
• Protection for Chronic Illness Expenses
• Going On & Off Chronic Illness Claim

Retirement

• Protection From Outliving Retirement Assets
• Need More Retirement Income or More Guarantees?
• Life Insurance + Retirement + Chronic Illness = 10/10/10 plan
• Life To The Max Microsite: Retirement Income & Protection
• Tax-Advantaged Retirement Income & Protection
• Sequence of Returns Matters
• Tax Diversification for Retirement
• Income for Retirement and College with IUL

Calculators

A variety of worksheets and online calculators to help in your client's planning process.

Retirement Planning

• Retirement Planner
  Determine if retirement plan is on track
• Retirement Income
  Discover how much monthly income retirement savings will provide
• Retirement Shortfall
  Find a potential shortfall in your current retirement savings plan
• Social Security Benefits
  Estimate Social Security benefits

• Required Minimum Distribution & Stretch IRA Calculator
  Stretch out retirement distributions for as long as possible to avoid taxation
• 72(t) Calculator
  Determine the amount of penalty-free early withdrawals you can take from retirement accounts
• 72(t) Distribution Impact
  Analyze the effects of taking early distributions on retirement balances

• Beneficiary Required Minimum Distributions (RMD)
  Calculate RMD for the retirement account beneficiary
• Required Minimum Distribution
  Calculate RMD for an account owner over time
• Required Minimum Distribution for Current Year
  Calculate RMD for an account owner for the current year

Caring for Family

• Life Insurance Calculator
  Calculate how much life insurance is needed
• Life Insurance Needs Analysis Worksheet
  Calculate how much life insurance is needed
• Life Insurance for Income Replacement Worksheet
  Determine the amount of insurance needed to replace income
• Lifetime of Income Estimator
  Estimate replacement income using simple calculations

• Student Budget
  Help college students understand expenses and income
• Life Expectancy
  Based on current age, smoking habits, gender and other items
• Long Term Care Calculator
  Check financial readiness for this impending expense

• Estate Tax Calculator
  Estimate estate tax liability

Managing Assets

• Basic Financial Calculator
  Handle a range of time-value-of-money calculations
• Home Budget Analysis
  Analyze a personal budget
• Flexible Spending Account (FSA)
  See impact of FSA on taxes and take-home pay
• Health Savings Account (HSA) Savings Calculator
  Determine how much an HAS will be worth over time
• Lease vs. Buy
  Compare leasing versus purchasing a car

• Mortgage Loan Calculator
  Determine monthly payment and amortization schedule
• Mortgage Loan Calculator (PITI)
  Determine principal, interest, taxes and insurance payment (PITI), and amortization schedule
• Net Worth
  Determine net worth and estimate how it will grow/shrink over the next ten years

• Savings Plan
  See how much postponing a savings plan can really cost
• Asset Allocation Calculator
  Calculate a desirable mix of stocks, bonds and cash
• 401(k) Savings with Profit Sharing
  Determine how a 401 (k) plan can help save for retirement

Small Business Owner

• Amortizing Loan Calculator
  Choose between calculating loan payments or loan amount
• Investment Loan
  See the effect of using a loan to purchase an investment or appreciable asset

• Business Valuation - Discounted Cash Flow
  Calculate the Net Present Value of a business and illustrates projected growth
• Equipment Buy vs. Lease
  Compare leasing versus financing/buying equipment

• Financial Ratios
  Compare several business factors, such as solvency, liquidity, operational efficiency and profitability

Checklists

Multitude of checklists that help clients plan for major milestones

• Home Purchase
• Marriage/Remarriage
• Divorce
• Childbirth
• College Education
• Major Illness/Long-term Disability

• Care of Aging Parent
• Retirement
• Preparing for Death
• Executor
• Inheritance
• Surviving Relatives

• Business Start-up
• Estate Planning
• Succession Planning

Product Information

Multiple product resources available to meet your client's needs

Term

• Select-a-Term

Cash Value Accumulation IUL

• Max-Accumulator+

Death Benefit Protection IUL

• Value+ Protector

Guaranteed Universal Life

• Secure Lifetime GUL 3

Survivorship GUL

• AG Secure Survivor GUL^® II