Types of Life Insurance

What Are the Different Types of Life Insurance?

AIG Direct offers a variety of insurance products, including Term Life Insurance, Universal Life Insurance, Whole Life Insurance, Accidental Death Insurance and our new Term Life Insurance with Living Benefits (Quality of Life...Insurance® Flex Term). We offer advice from licensed agents with expertise who can help find valuable coverage to help meet your family's individual needs. We don't use a cookie cutter approach to selling life insurance. Instead, we listen carefully to you and help tailor a customized coverage plan with life insurance products and services that help to meet your needs. Contact a licensed, professional, and helpful AIG Direct agent today to request a free, no obligation life insurance quote.

Term Life Insurance

Traditional Term Life Insurance - Term life insurance covers the policyholder for a specific amount of time, which is known as the "term." Terms typically range from 10 to 30 years, depending on the product and preference of the policyholder. Among the most popular life insurance products available, term life tends to be more affordable. It typically provides an amount of coverage for much less than permanent types of life insurance.

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Quality of Life... Insurance®

Term Life Insurance with Living Benefits - Quality of Life... Insurance® Flex Term can help protect you in a compelling way by providing a benefit in the event of your premature death. You can receive benefits during your lifetime when you may need them most. Click here for more details about QoL FlexTerm.

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Permanent Life Insurance

Permanent life insurance refers to a variety of life insurance products intended to provide you and your loved ones with life-long protection. All of them are designed to cover you until your death.

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Universal Life Insurance

Insurance that can cover you for life. It's called Universal Life insurance and it provides both flexibility and financial advantages.

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Whole Life Insurance

Whole life insurance through AIG Direct provides fixed premiums for the life of the policy. A portion of each premium you pay becomes part of this cash value.

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Guaranteed Issue Whole Life Insurance

AIG Direct offers guaranteed issue whole life insurance - a simple and affordable life insurance policy with guaranteed acceptance. If you're age 50-85, you can't be turned down for health reasons.

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Accidental Death Insurance

Accidental death and dismemberment insurance covers you and your family if you are seriously injured or killed in an accident, lose a limb, suffer blindness, or are paralyzed in a covered accident.

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Additional Insurance Products

There are a wide variety of insurance products to help you protect you and your family for years to come - like universal life insurance, travel insurance.

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