American General Life Insurance Company
Form 12100 is an individual Accidental Death and Dismemberment policy that is guaranteed issue until the age of 80. The form will be sold to individual insurance consumers by direct marketing through agents, brokers and directly by the company. Since this policy is guaranteed issue, no health questions or applications are used. The Incontestable, Entire Contract and Reinstatement provisions also reflect the guaranteed issue nature of the policy in that the policy is incontestable from its date of issue as to any representation made in connection with the issuance or reinstatement of the policy. The policy is guaranteed renewable for life and provides a lump sum benefit in the event an insured suffers a loss as defined in the policy, subject to the policy exclusions and reductions. It will be issued on a unisex basis. Benefits will automatically reduce by 50% on the policy anniversary following the insured's attainment of age 70, or, after 5 years from the effective date, whichever provides the longer period of coverage.