Terms and Conditions

Access to and use of this site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any user who accesses or attempts to access such areas without authorization may be subject to prosecution.

Copyright and Trademarks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of AIG Direct Insurance Services, Inc. Users are prohibited from using any Mark for any purpose without the express written permission of AIG Direct Insurance Services, Inc.

Informational Purposes Only

The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from AIG Direct Insurance Services, Inc. The information included on this Site is not an offer to sell any security or product in any state or other jurisdiction.

Products Not Available in All States

The products described on this Site may not be available in all states or other jurisdictions.

Policy Restrictions, Limitations and Terms

The products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, call (858) 309-3000.

No Warranty

All information on this Site is provided to you "as is" without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site. AIG Direct Insurance Services, Inc. expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. AIG Direct Insurance Services, Inc. has no obligation to update information on this Site, so such information may be out of date at any given time. AIG Direct Insurance Services, Inc. also may make improvements or changes in products described on this Site at any time without notice.

Linked Internet Sites

You may leave this Site and access other sites on the World Wide Web that AIG Direct Insurance Services, Inc. does not maintain. AIG Direct Insurance Services, Inc. is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User's own risk.

Use of Cookie Files

Some sites and pages within our Sites use "cookies." A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about you and your usage of our sites. A cookie cannot read data off your hard drive or read cookie files created from other sites. You are free to decline our cookie if your browser has been set to prompt or decline cookies.

Limitation of Liability

AIG Direct Insurance Services, Inc. specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if AIG Direct Insurance Services, Inc. has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User's computer equipment. Under no circumstance will AIG Direct Insurance Services, Inc. be liable for any loss or damage caused by a User's reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability

AIG Direct Insurance Services, Inc. makes no representation as to the financial or other suitability of any product described on this Site for any User. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a competent financial advisor.

Changes to Rules and Regulations

AIG Direct Insurance Services, Inc. reserves the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Rules and Regulations

AIG Direct Insurance Services, Inc. reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

Mandatory, Binding Arbitration

You agree that any claim or dispute between you and AIG Direct Insurance Services, Inc. or any officer, director or employee of AIG Direct Insurance Services, Inc. related to your use of this Site or any information herein, including the validity of this provision regarding Mandatory, Binding Arbitration, regardless of the amount or value of such claim or dispute, will be resolved by mandatory, binding arbitration administered by the National Arbitration Forum in accordance with its Code of Procedure then in effect, except that any arbitration will be conducted in, and any hearing will be held in, San Diego, California. Information may be obtained and claims may be filed at any office of the National Arbitration Forum (www.arb-forum.com) or at P.O. Box 50191, Minneapolis, MN 55405. This provision regarding Mandatory, Binding Arbitration will be governed by the Federal Arbitration Act.

Contact Information

If users have any questions or suggestions regarding our terms and conditions, please contact us at:
9640 Granite Ridge Drive
Suite #200
San Diego, CA 92123

Phone: 858.309.3000
Fax: 858.309.3002
Email: customerservice2@matrixdirect.com

Legal Info

AIG Direct Insurance Services, Inc. and American General Life Companies are marketing names. AIG Direct Insurance Services, Inc., American General Life Companies, and American International Group, Inc. (AIG) do not underwrite any insurance policy described herein. The licensed insurance company underwriting the product is responsible for its own financial condition and contractual obligations.

We are licensed as life insurance agents. As insurance agents we are the representatives of the insurance company. Our services are provided at no cost to you. When you purchase insurance through us, we receive compensation from the insurance company that issues the policy. This compensation may include commissions when a policy is purchased or renewed, and fees for marketing and administrative services and educational opportunities. The compensation may vary by insurer and the specific product and features purchased. We may be entitled to receive bonuses and incentive trips or prizes associated with sales or sales performance. The products we offer may vary based on factors such as face amount, customer age, health status and other considerations.

AIG Direct Insurance Services, Inc. makes no representation as to the financial or other suitability of any product described on this site for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact your financial advisor.

Our recommendation(s) of insurance coverage may not necessarily be the lowest rate alternative(s) available or the best alternative(s) for your individual needs. In identifying and recommending insurance products to you, we consider a variety of factors in addition to the premium rates and your personal information; including the insurer's credit rating, the insurer's reputation for service and claims settlement, the features of the policy, and agent commissions and fees received by us.

AIG Direct Insurance Services, Inc. is a wholly owned subsidiary of American General Life Insurance Company and an affiliate of The United States Life Insurance Company in the City of New York, both member companies of American International Group, Inc. American General Life Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers including American General Life Insurance Company.

Agency Name & License Info

Licensed as AIG Direct Insurance Services, Inc. in all states except AL, DE, FL, GA, KY, MD, MI, NE, NH, NC, OH, PA and TX where licensed as Matrix Direct, Inc. and MA where licensed as Matrix Direct Insurance Services.

Arkansas: AIG Direct Insurance Services, Inc. – license # 246412
California: AIG Direct Insurance Services, Inc. – license # 0B57619
Minnesota: AIG Direct Insurance Services, Inc. – license # IA-20044713
Louisiana: AIG Direct Insurance Services, Inc. – license # 224871
Utah: AIG Direct Insurance Services, Inc. – license # 6787
Massachusetts: Matrix Direct Insurance Service – license # 1790659
Texas: Matrix Direct, Inc. – license # 13322