Description of anticipated tax treatment is based on current income tax law. AIG Direct, its affiliates, its agents, and its representatives do not offer tax, financial or legal advice. AIG Direct strongly suggests individuals discuss with their tax or legal advisor(s) any questions on matters presented herein.
Regarding all advertised services: Agency services provided by AIG Direct Insurance Services, Inc.("AIG Direct"), a subsidiary of American General Life Insurance Company (AGL), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York (US Life), NY, NY. CA license #0B57619 and AR license #246412. AIG Direct operates under the name of Matrix Direct Insurance Services in MA and Matrix Direct, Inc. in some states
Over 50 million of us don't have adequate life insurance. Trends in Life Insurance Ownership among U.S. Individuals, 2005, LIMRA International, Inc.
Endorsements/Testimonials. 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 AIG Direct customers and are not affiliated with the AIG Direct, nor did they receive any monetary consideration for their comments.
Save up to 70% savings comparison based on monthly premium rates as of 4/1/13 for a 10-year level term policy, issued at each company's best published rates for a female, age 30, non-smoker.
Disclosures related to advertisements referencing American General Life Insurance Company products
Advertised Rate Examples for a 35-, 40- or 45-year-old person having a $250,000, $500,000 or $750,000 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 4/1/13. Preferred Plus Underwriting Class, Policy Form #07007, 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 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 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 New York State, term life insurance is available through The United States Life Insurance Company in the City of New York, Form # 07007N.
Advertised American General Life AG ROP term life insurance: AG ROP Select-a-Term® accumulates a cash value that starts no later than the fifth policy year. At the end of the level premium period, the cash value of the in-force policy equals the total of cumulative premiums paid, less any charges for substandard ratings and riders. If the client surrenders the policy, this amount is paid out, minus any outstanding loan balance. Alternatively, the same amount may be rolled into a permanent plan of insurance should the insured be eligible for and choose to exercise the conversion option. Coverage may also be continued beyond the level premium period by payment of increasing annual premiums, and the policy will continue to build cash value until the policy anniversary nearest the insured's 95th birthday when the cash value will equal the face amount of the policy. The cash value, minus any outstanding loan balance, will then be distributed as the endowment benefit if the policy is inforce and the insured is then living. The cash value and endowment benefit are subject to all terms and conditions detailed in the policy.
Accidental Death and Dismemberment Insurance: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. Policy Form Number 05100 issued by American General Life Insurance Company, Houston, TX. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (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.