American General/AIG 2019 Review

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Who is American General Life Insurance

American General has been around for over a century and a half and has consistently provided top-notch life insurance services. With millions of clients, American General proudly offers reasonably priced policies with terrific customer service. Furthermore, American General specializes in life insurance for all ages. 

For example, they have very competitive rates for life insurance in your 20’s and life insurance in your 30’s. Also, in your middle age for Life insurance in your 40’s, life insurance over 50, and even life insurance for seniors over 75. Finally, AIG is the among the top for high risk life insurance such as multiple sclerosis, epilepsy/seizures, and life insurance with diabetes. Also, special risk life insurance after DUI.

AIG term life insurance

Life Insurance for all Generations

However, it’s never a good idea to fall in love with the first insurance company you investigate. Make sure that you go over several options, compare rates and policies, and then make your decision. After all, there are plenty of excellent life insurance companies out there, such as Protective Life Insurance CompanyBanner Life Insurance Company, and Fidelity Life associates.

First, American General, AIG, has lenient underwriting guidelines for those looking for life insurance with treated blood pressure. Also, they are tolerant with rates in life insurance for treated cholesterol.

Furthermore, they are among the best rates for life insurance for smokers and cigar and smokeless tobacco.

American General insurance

Chronic Condition and Life Insurance

Last, if the levels are well above average in these impairments, then it may cause declined life insurance policy. Also, life insurance for cancer patients pays a fee extra after treatment below five years. In some cases, a guaranteed acceptance life insurance policy would make sense.


Since they’ve been around for so long, and have built up such a large clientele, American General is widely-known. The company has gained a strong reputation for their ability to protect families’ financial security. In addition, they’re rated highly by most rating agencies, a good indication that they are, indeed, quite reliable. A.M. Best rating agency rates them A excellent.

American General/AIG

AIG/American General

In recent years, American General has joined AIG. They offer a wide variety of life insurance options, ranging from term life insurance to indexed universal life insurance coverage. Wondering how much life insurance costs?

 Ask for a free quote and decide if it fits your budget. Further, AIG is very competitive with the half million life insurance policy and the one million dollar policy.


  • Term Life Insurance — Only offering death benefit protection, this necessary kind of life insurance are great if budgeting, or for those not wanting to commit to permanent life insurance coverage. You can choose up to a 30 year term policy. However, the most popular is the 20 year term life insurance policy
  • Index Universal Life Insurance — With this insurance, multiple investment options exist. There’s an interest crediting method, for example. A popular choice for those looking to create some cash value builds up.
  • Universal Life Insurance — A versatile option. With universal life insurance, you can choose how much protection you want, plus how much premium you would like to pay. One of the pluses of universal life insurance is that the premiums go directly into the cash value account, which means you don’t need to pay taxes on them. Also, this is a good fit if you’re looking for a safe policy that will cover them for the rest of their lives.
  • Whole Life Insurance — The most popular permanent life insurance policy. It’s pretty simple — all you need to do is keep paying your fixed premium, and your family receives it once you pass away. One of the pros to whole life insurance is that your premium won’t go up, even if your health declines.
  • Variable Universal Life Insurance — Customizable premiums plus death benefits. There is also cash value investment opportunities.
  • Guaranteed Issue Whole Life Insurance --- coverage for people who have pre-existing conditions. Keep in mind, this policy is a two year graded death benefit. If you die within the first 24 months from natural causes, your premiums paid plus 10% will be paid to your beneficiary. However, if you die from an accident, the entire death benefit will be paid. 


    Several of American General’s life insurance policies come equipped with living benefits, on top of death benefits. As the name suggests, this means that the money is accessible while the policyholder is still alive, if need be. Furthermore, this is a massive selling point for some that worry about getting too much money tied up if severe injury or illness strikes.

    AIG Quotes

    Prioritize Activities vs. Life Insurance

    As mentioned above, American General gives people the opportunity to build up cash value. Take a quick glance at the types of insurance policies that American General offers. See how it compares to other life insurance companies out there. It’s no wonder American General is rated one of the best insurance companies out there.

    Here at PinnacleQuote, we can save you plenty of time and money on your life insurance policy. Furthermore, this is because once we learn about you, we’ll know exactly which insurance companies can give you the best rates and coverage.


    Example quotes for a 40 year old healthy female with AIG:

    aig rates for females

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    Example quotes for a 40 year old healthy male with AIG:


    AIG Life Insurance Underwriting Guidelines

    Clients with high risk pre-existing conditions or health impairments, AIG is top notch with their lenient underwriting. Conditions such as heart disease, diabetes and some lifestyle choices such as marijuana.

    AIG Insurance Contact phone Number and Address

    AIG life insurance policy information and AIG claims phone numbers are below:

    Life Insurance Customers:


    PO Box 305355

    Nashville, TN 37230-5355

    Phone: (800) 888-2452


    If you have questions regarding your AIG life insurance payment or need to speak with a representative directly at the company, see below: PinnacleQuote is also here to help you with any questions or concerns.

    Policies beginning with 582:

    PO Box 64889

    St. Paul, MN 55164-0889

    Phone: (888) 565-3769

    Policies beginning with 130:

    PO Box 64036

    St. Paul, MN 55164-4036

    Phone: (800) 710-9876

    Who is PinnacleQuote Life Insurance Specialists

    My name is Danny Ray.  I am the Founder/Owner/Agent of PinnacleQuote. We are based in Jacksonville, Florida. However, we are licensed in 49 States! We have clients throughout the United States.

    You maybe asking, how are you different from the othersWell, that is easy. I shop you to over 50+ insurance carriers and over 300 products in one phone call in the matter of minutes.  

    Gone are the days where you need to have 40 tabs open on your computer, calling each carrier or worse, calling 10 different agents. That is just too overwhelming and too time consuming. Your time is more valuable then that!

    Danny Ray Independent Agent

    Danny Ray Founder/Independent Agent

    Here at PinnacleQuote, you have one agent taking care of all of your needs and questions. I do not favor any one product for my clients. I tailor make you the right policy to fit your needs and help you achieve your goal of protecting your loved ones in the event of your death. 

    By the end of a phone call with me, you will have the best carrier, best price and I guarantee that! You work hard for your money. I do not want you overpaying by even a penny. I specialize in all health impairments too. More Important, If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.

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