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Term Life Insurance -
The Basics

Term Life Insurance available through AIG Direct covers the policy holder for a specific amount of time, which is known as the term. The term lengths vary according to what the individual chooses. Terms typically range from 10 to 30 years and increase in 5-year increments.

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.

Depending on the type of policy, term life insurance available through AIG Direct can offer fixed premiums for the entire term. The death benefits can be fixed as well. Because it's affordable and the payments can stay the same, term life insurance available through AIG Direct is popular with young people just starting out, families and people who want protection for a specific period of time. (For example, someone who wants to protect an income until retirement or while paying off a home mortgage.)

Term Life Insurance available through AIG Direct doesn't accrue cash value like several other types of life insurance, but with most term policies, beneficiaries do receive the full face amount. For example, if a policy's face amount is $100,000, the beneficiary receives the full amount, pure and simple. Even better, the benefits paid by term life insurance available through AIG Direct are tax-free, according to current tax laws.

Summary of Term Life Insurance through AIG Direct:

  • Term LengthCovers the policy holder for a specific amount of time, called term
  • Term IncrementsTerms typically range from 10 to 30 years and increase in 5 year increments
  • Term life is affordableTerm life insurance tends to be more affordable
  • Fixed premiumsFixed premiums for the entire term length
  • The payout is fixedThe death benefits (or payout) are fixed
  • Tax-Free payoutTax-Free payout, according to current tax laws

Female Age 40

Coverage $250,000

Per month $13.59*

Male Age 40

Coverage $250,000

Per month $13.81*

* Example assumes a 40 year old male buying a 10 year term life insurance policy, in the Preferred Plus Underwriting Class.
Example assumes a 40 year old female buying a 10 year term life insurance policy, in the Preferred Plus Underwriting Class.

Term Life Insurance Reviews

Reviews from Customers Who Purchased Term Life Insurance through AIG Direct

5 Stars - Great Life Insurance Coverage
Now I Have Life Insurace
Had been thinking about life insurance for awhile. Called AIG, from the beginning I knew I made the right choice in companies. Agent was very kind, helpful, knowledgeable, friendly as were follow up staffers. They made what I thought would be a complicated process very simple and easy.I truly appreciate it. Thank you.
Robert
Sarasota, FL
Motivation: Protect Loved Ones Financially
5 Stars - Great Life Insurance Coverage
Extremely Happy
Excellent customer service. They were able to get me the insurance I was looking for, at an affordable price, and made it very easy to do.
James
Sacramento, CA
Motivation: Protect Loved Ones Financially
4 Stars - Great Life Insurance Coverage
Prompt and Good Service
Had a great experience from the beginning and all the way till the insurance was approved.
Alina
Florida
Motivation: Protect Loved Ones Financially