AIG Insurance has the world’s top share. This time, I summarized such AIG Insurance
What is AIG insurance
AIG is a great life insurance company that excels in providing a variety of customizable policies to fit nearly every financial situation. While AIG’s life insurance rates aren’t the absolute cheapest, the company’s flexible product selection is what sets it apart. From term life insurance policies that can be combined and adjusted to reflect your financial obligations, to guaranteed universal policies that can be used for income in your senior years, AIG has unique coverage options that are focused on addressing client needs. The only real downside to AIG is that its customer service and claims reviews don’t hold up to those of other top insurers, which is a concern when purchasing a permanent life insurance policy.
What types of life insurance coverage does AIG offer?
AIG offers a range of term, whole, universal and indexed universal life insurance plans, all with flexible policy options.
Its site is clearly structured to outline the benefits of each product, offering details and a free quote online.
Term life insurance
Select-a-Term offers adjustable financial protection over terms of 10, 15, 20, 30 or 35 years. You can convert these policies to a permanent plan up until the end of your level premium period or until you reach age 70 — whichever occurs first.
Whole life insurance
AIG’s Guaranteed Issue Whole Life insurance policy offers permanent coverage to those ages 50 to 85 without the possibility of denial. Level premiums and flexible coverage comes with a guaranteed death benefit. The cash value that accumulates is tax-deferred, and you can borrow against this value for fast access to funds, should you need it
AIG Term Life Insurance
AIG offers a term life insurance policy called “Select-a-Term,” which can be customized to the term length of your choice. Policies can be purchased for 10 years, 35 years or any number of years between 15 and 30. Depending on your age, AIG’s term insurance can be purchased for:
|Term Length||Age Availability (No Tobacco Use)|
|10 years||20 to 80 years old|
|15 years||20 to 75 years old|
|16 to 20 years||20 to 70 years old|
|21 to 30 years||20 to 68 years old, but maximum age decreases with length of policy. So, for 30-year term, maximum age is 55.|
|35 years||20 to 45 years old|
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American General Life Insurance Company and The United States Life Insurance Company in the City of New York
American General Long Term Care Administration