We're talking about the new kind of life insurance. The kind you don't have to die to use. QOL is a life policy that lets your clients be their own beneficiary by paying out the death benefit at age 85, offering guaranteed longevity insurance in addition to LTC.
QOL is term insurance that pays out for critical illness, yet remains inexpensive. These offerings are designed to help protect their financial security in the event of premature death, longer life expectancy, or chronic, terminal, and critical illness.
AIG's IUL product is also an excellent opportunity to create a lifetime income stream on a tax-free basis from your client's life insurance plan.