Description of anticipated tax treatment is based on current income tax law. Matrix Direct, its affiliates, its agents, and its representatives do not offer tax, financial or legal advice. Matrix Direct strongly suggests individuals discuss with their tax or legal advisor(s) any questions on matters presented herein.

Rates current as of 1/1/12. Preferred Plus Underwriting Class, Form #07007, issued by AGL, Houston, TX. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years. The underwriting risks, financial and contractual obligations and support functions associated with products issued by AGL are its responsibility. AGL does not solicit business in the state of NY. Policies and riders not available in all states. In NY State, term life insurance is available through USL, Form #07007N. 'Save up to 70%' savings comparison based on monthly premium rates as of 1/1/12 for a 10-year level term policy, for select coverage amounts, issued at each company's best published rates for a female, age 30, non-smoker.