Disclosures


Advertised Rate Examples for a 40 year old person having a $250,000 10 year term life insurance policy are based on the following policy information: Rates current as of the date each advertisement is placed and most recently confirmed as of 10/1/09. Preferred Plus Underwriting Class, Policy Form #07007, issued by American General Life Insurance Company (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 New York. Policies and riders not available in all states. In New York State, term life insurance is available through The United States Life Insurance Company in the City of New York, Form # 07007N.

$15 a month comparison based on a composite of participating carriers which have at least an A rating by AM Best.

Advertised savings of up to 70%: Comparison is based on monthly premiums as of the date each advertisement is placed and most recently confirmed as of 10/1/09 for an underwritten 10 year level term life insurance policy, issued at each company’s best published rates for a female, age 30, non-smoker. The companies whose rates have been compared are qualified to issue such policies in most, but not all, states. The rates reflect a composite of insurance companies having an AM Best rating of A- or higher.

Advertised March 2009 increase in the cost of American General Life’s AG ROP term life insurance: AG ROP Select-a-Term accumulates a cash value that first appears beginning the fifth policy year. At the end of the level term period, the cash value of the in force policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings, riders and any outstanding loan balance. If your needs change and you surrender the policy, or convert it to our permanent insurance, you will receive the cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.

**Comparison rates based on annual rates as of February 1, 2009 and as of March 9, 2009 for a 20 year level AG ROP term policy, issued at the company’s best rates for a male, age 45, non smoker.

Rates current as of February 1, 2009, Preferred Plus Underwriting Class, Form #06001, issued by American General Life Insurance Company (American General Life), 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 the date of issue for material misstatements or omissions on the application. Policy is limited to return of premiums paid in the event of suicide within the first two years. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life are its responsibility. American General Life does not solicit business in the state of New York. Policies and riders not available in all states. In NY State, term life insurance is available through The United States Life Insurance Company in the City of New York, Form # 08701N.

Regarding all advertised services: Matrix Direct, Inc. is a subsidiary of American General Life Insurance Company and an affiliate of The United States Life Insurance Company in the City of New York. Agency services provided by Ronald J. (John) Harris in IA, TN and VT; Matrix Direct Insurance Services in CA (#0B57619), ME, MA, and OK; Matrix Direct Insurance Agency, Inc. in UT; and Matrix Direct, Inc. in AR (#246412) and all other states, except SD.

Radio Advertisements: Characters, including spokesperson, and situations are dramatizations.

Over 50 million of us don't have adequate life insurance. Trends in Life Insurance Ownership among U.S. Individuals, 2005, LIMRA International, Inc.

The Endorsements/Testimonials presented should not be construed as a recommendation to purchase or an indication of the value of any product or service. The providers of the Endorsements/Testimonials are actual Matrix Direct customers and are not affiliated with the Matrix Direct, nor did they receive any monetary consideration for their comments.