{"id":6658,"date":"2025-10-16T19:55:02","date_gmt":"2025-10-16T19:55:02","guid":{"rendered":"https:\/\/americangulf.com\/?page_id=6658"},"modified":"2025-12-11T22:00:26","modified_gmt":"2025-12-11T22:00:26","slug":"faq","status":"publish","type":"page","link":"https:\/\/americangulf.com\/es\/faq\/","title":{"rendered":"Preguntas Frecuentes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6658\" class=\"elementor elementor-6658\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6356e30 e-con-full e-flex e-con e-parent\" data-id=\"6356e30\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1602c03 e-flex e-con-boxed e-con e-child\" data-id=\"1602c03\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98c1d14 elementor-widget-tablet__width-initial elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"98c1d14\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Frequently<br>Asked<br>Questions<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d0e661 e-con-full e-flex e-con e-parent\" data-id=\"2d0e661\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ece426f e-flex e-con-boxed e-con e-child\" data-id=\"ece426f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0fc8928 e-con-full e-flex e-con e-child\" data-id=\"0fc8928\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90a6e36 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"90a6e36\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a752747 elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a752747\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Should you not find the answer you\u2019re looking for, we\u2019re here to help.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d25077 elementor-align-left elementor-mobile-align-justify modern-btn elementor-widget elementor-widget-button\" data-id=\"7d25077\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/americangulf.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\" fill=\"none\"><path d=\"M5.3327 5.33224C8.33328 2.33166 12.4402 0.683194 16.75 0.749498C21.0597 0.815802 25.2193 2.59144 28.3137 5.68579C31.408 8.78014 33.1837 12.9397 33.25 17.2495C33.3163 21.5593 31.6678 25.6662 28.6672 28.6668C25.6666 31.6673 21.5597 33.3158 17.25 33.2495C12.9402 33.1832 8.7806 31.4076 5.68625 28.3132C2.5919 25.2189 0.816266 21.0593 0.749962 16.7495C0.683658 12.4397 2.33212 8.33282 5.3327 5.33224ZM11.321 21.22C11.1335 21.4076 11.0304 21.6643 11.0346 21.9336C11.0387 22.203 11.1497 22.463 11.3431 22.6564C11.5365 22.8497 11.7965 22.9607 12.0658 22.9649C12.3352 22.969 12.5919 22.866 12.7794 22.6784L20.972 14.4859L21.0654 20.652C21.0695 20.9217 21.1807 21.182 21.3743 21.3756C21.5679 21.5693 21.8282 21.6804 22.0979 21.6845C22.3676 21.6887 22.6246 21.5855 22.8124 21.3977C23.0002 21.21 23.1033 20.953 23.0992 20.6833L22.9666 12.0654C22.9647 11.9318 22.9365 11.7991 22.8836 11.6749C22.8306 11.5506 22.754 11.4373 22.6581 11.3414C22.5622 11.2455 22.4488 11.1688 22.3246 11.1159C22.2004 11.063 22.0677 11.0347 21.9341 11.0328L13.3162 10.9003C13.0465 10.8961 12.7895 10.9993 12.6017 11.187C12.4139 11.3748 12.3108 11.6318 12.3149 11.9015C12.3191 12.1712 12.4302 12.4315 12.6238 12.6252C12.8175 12.8188 13.0778 12.9299 13.3475 12.9341L19.5136 13.0275L11.321 21.22Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get in Touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5aaabe e-con-full e-flex e-con e-child\" data-id=\"a5aaabe\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af3b764 elementor-widget elementor-widget-n-accordion\" data-id=\"af3b764\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1830\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1830\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What do all these insurance terms mean? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1830\" class=\"elementor-element elementor-element-468ada9 e-con-full e-flex e-con e-child\" data-id=\"468ada9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88589ec elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"88589ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPlease refer to our <a href=\"https:\/\/americangulf.com\/insurance-101\/\"><span style=\"text-decoration: underline;\"><strong>Insurance 101<\/strong><\/span><\/a> page to learn more about insurance basics, which includes a helpful glossary of relevant terms and concepts.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1831\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1831\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">  How can I purchase an American Gulf product? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1831\" class=\"elementor-element elementor-element-f734b07 e-con-full e-flex e-con e-child\" data-id=\"f734b07\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41331c7 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"41331c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-olk-copy-source=\"MessageBody\">You may buy an American Gulf product through an authorized financial representative or by contacting the company\u2019s customer service team, who will guide you through available options and required documentation.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1832\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1832\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I contact American Gulf? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1832\" class=\"elementor-element elementor-element-30fe89c e-con-full e-flex e-con e-child\" data-id=\"30fe89c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fee5886 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"fee5886\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPlease visit our <a href=\"https:\/\/americangulf.com\/contact\/\"><span style=\"text-decoration: underline;\"><strong>Contact Us<\/strong><\/span><\/a>\u00a0page to find our customer hotline number, relevant addresses, and our general contact form.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1833\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1833\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Where can I find and submit forms? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1833\" class=\"elementor-element elementor-element-75058d8 e-con-full e-flex e-con e-child\" data-id=\"75058d8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b15f2b elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"6b15f2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are a MYGA policyholder or agent, please find the links to the policyholder and agent portals in this site&#8217;s header menu. There, you will find relevant forms and the ways to submit them.<br \/><br \/>If you are looking for any forms related to our preneed insurance, please reach out via the options stated in our <a href=\"https:\/\/americangulf.com\/contact\/\"><span style=\"text-decoration: underline;\"><strong>Contact Us<\/strong><\/span><\/a>\u00a0page.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1834\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1834\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I update my personal and\/or banking information? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1834\" class=\"elementor-element elementor-element-9b5a470 e-con-full e-flex e-con e-child\" data-id=\"9b5a470\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d724e64 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"d724e64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-olk-copy-source=\"MessageBody\">You can request an update by completing the designated change form and submitting it through your online account, your financial representative, or directly to customer service.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1835\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1835\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I modify the beneficiaries on my policy? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1835\" class=\"elementor-element elementor-element-3b6c94e e-con-full e-flex e-con e-child\" data-id=\"3b6c94e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f31ccc elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"8f31ccc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-olk-copy-source=\"MessageBody\">Beneficiary changes typically require a formal request. This is done by completing a Beneficiary Change Form and submitting it with any required identification or supporting documents.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1836\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1836\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How is interest credited to my contract? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1836\" class=\"elementor-element elementor-element-61f6c2a e-flex e-con-boxed e-con e-child\" data-id=\"61f6c2a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8bef62 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e8bef62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-olk-copy-source=\"MessageBody\">Interest is applied according to the terms outlined in your contract. This may include a fixed rate, a variable rate tied to an index, or a combination of crediting methods.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1837\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1837\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if the owner passes away before the annuity date while the contract is active? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-sort-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M41 288h238c21.4 0 32.1 25.9 17 41L177 448c-9.4 9.4-24.6 9.4-33.9 0L24 329c-15.1-15.1-4.4-41 17-41z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1837\" class=\"elementor-element elementor-element-ffabeeb e-flex e-con-boxed e-con e-child\" data-id=\"ffabeeb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c857795 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"c857795\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div data-ogsc=\"rgb(0, 0, 0)\" data-olk-copy-source=\"MessageBody\">If the owner dies before the annuity start date and the contract is in force, the death benefit provisions of the contract apply. The designated beneficiary will typically receive the benefit according to the rules and payout options defined in the policy.<\/div><div data-ogsc=\"rgb(0, 0, 0)\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What do all these insurance terms mean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Please refer to our Insurance 101 page to learn more about insurance basics, which includes a helpful glossary of relevant terms and concepts.\"}},{\"@type\":\"Question\",\"name\":\"How can I purchase an American Gulf product?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You may buy an American Gulf product through an authorized financial representative or by contacting the company\\u2019s customer service team, who will guide you through available options and required documentation.\"}},{\"@type\":\"Question\",\"name\":\"How can I contact American Gulf?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Please visit our Contact Us\\u00a0page to find our customer hotline number, relevant addresses, and our general contact form.\"}},{\"@type\":\"Question\",\"name\":\"Where can I find and submit forms?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you are a MYGA policyholder or agent, please find the links to the policyholder and agent portals in this site&#8217;s header menu. There, you will find relevant forms and the ways to submit them.If you are looking for any forms related to our preneed insurance, please reach out via the options stated in our Contact Us\\u00a0page.\"}},{\"@type\":\"Question\",\"name\":\"How can I update my personal and\\\/or banking information?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can request an update by completing the designated change form and submitting it through your online account, your financial representative, or directly to customer service.\"}},{\"@type\":\"Question\",\"name\":\"How can I modify the beneficiaries on my policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Beneficiary changes typically require a formal request. This is done by completing a Beneficiary Change Form and submitting it with any required identification or supporting documents.\"}},{\"@type\":\"Question\",\"name\":\"How is interest credited to my contract?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Interest is applied according to the terms outlined in your contract. This may include a fixed rate, a variable rate tied to an index, or a combination of crediting methods.\"}},{\"@type\":\"Question\",\"name\":\"What happens if the owner passes away before the annuity date while the contract is active?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If the owner dies before the annuity start date and the contract is in force, the death benefit provisions of the contract apply. The designated beneficiary will typically receive the benefit according to the rules and payout options defined in the policy.\\u00a0\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab7ad9a e-con-full e-flex e-con e-parent\" data-id=\"ab7ad9a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FrequentlyAskedQuestions FAQ Should you not find the answer you\u2019re looking for, we\u2019re here to help. Get in Touch What do all these insurance terms mean? Please refer to our Insurance 101 page to learn more about insurance basics, which includes a helpful glossary of relevant terms and concepts. How can I purchase an American Gulf [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-6658","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6658","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/comments?post=6658"}],"version-history":[{"count":154,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6658\/revisions"}],"predecessor-version":[{"id":9543,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6658\/revisions\/9543"}],"wp:attachment":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/media?parent=6658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}