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What About 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.
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 Company, Banner 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. 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.
How Reliable is the American General Life Insurance Company?
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.
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.
What does the American General Life Insurance Company Offer?
- 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.
What Else is There to like About American General?
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.
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, and 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.
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Where can I get the Best Quote for Life Insurance?
First, PinnacleQuote is here to help. Second, Speak with one of our agents, and they’ll be able to answer any and all of your questions. Third, We can help set you up with the best life insurance companies and find the most reasonably-priced policies for you. Finally, Working with us will save you a tremendous amount of time, energy, and money.
PinnacleQuote Life Insurance Specialists, National Independent Agent
Above all, you want to make sure when shopping for life insurance that you want to go with an independent agent over a captive agent. Actually, PinnacleQuote is a licensed national independent life insurance agent in 49 states. At the same time, has relationships with dozens of carriers. In any event, if you’re looking for a simple process, then let PinnacleQuote hold you by the hand. Therefore, we will provide you with the best life insurance rates in the industry, that’s made possible by the relationships we have accumulated over the years. Ultimately, with 25 years experience in the Investment/Life insurance industries, PinnacleQuote will provide you the best service to protect your family.