AIG American General Life Insurance Company
AIG American General Life Insurance Company is one of the best life insurance companies internationally and one of the most financially stable companies True Blue is proud to offer. Offering a customizable term policy and guaranteed issue whole-life policy, AIG American General continues to rank very high among the most affordable term life insurance providers and offers one of the highest policy face values with a medical exam in the industry.
While other companies will automatically reject people with various pre-existing conditions because they are more risk averse, AIG American General has some of the best underwriting for more of the higher-risk customers that other companies don’t want to insure. If you have a pre-existing condition, you can still be insured with affordable life insurance — even with a rejected application in your past.
AIG American General Term Monthly Rate Example:
(40-year-old male, non-smoker, in California)
| Coverage Amount | 10-Year Term | 20-Year Term | 30-Year Term |
|---|---|---|---|
| $50,000 | $17.00 | $19.42 | $37.02 |
| $100,000 | $13.32 | $15.83 | $23.53 |
| $250,000 | $17.43 | $24.57 | $39.49 |
Offering the same great protections as the customizable Select-A-Term product, the return of premium policy provides a guaranteed refund equal to the premiums paid if you outlive the policy. Often viewed as a forced-savings plan, a return of premium policy provides an excellent way to save money for the future AND obtain the life insurance protection you need to care for your family’s financial future.
If you are looking for guaranteed coverage from a reputable life insurance company, then AIG American General’s Guaranteed Issue Whole Life policy is a great option for you to consider. Providing final expense coverage of up to $25,000, this policy contains a graded benefit structure that returns premiums paid plus 10 percent, in the event that a death from natural causes occurs inside the first two years of the policy (accidents are covered at 100 percent of the death benefit). If you are diagnosed with a chronic or terminal illness after the two-year graded benefit period, included riders in the policy allow for you to access portions of the death benefits early, to help offset additional costs that arise as a result of your condition.
