American General Life or AIG offers very competitive term and permanent life insurance rates.
They could be the best insurance company for you and we always include them in our inquiries while shopping every life insurance case.
Our relationship with key people in American General’s underwriting department can result in best case offers for you. We’ve learned over the years that all offers are negotiable and we will negotiate the best offer for you.
Click link below if you’d like an accurate American General Life insurance quote and at the same time we’ll compare American General’s quote to Banner Life and all of the other insurance companies that could be better for you.
Just know that American General will never make best offer on every case. We regularly submit dual apps to American General and Banner Life or another insurance company on the same client.
We do this since there is no way to know the exact offer that any life insurance company will make until your insurance exam results and medical records have been reviewed and underwriting is complete.
For any case that American General could be best, about 50% of the time American General makes best offer and about 50% of the time Banner Life or another insurance company ultimately makes best offer.
So you’ll always have to shop for other offers, or just let us do it for you as our system cannot be beat…
Below are some areas where American General Life/AIG can stand out from the competition.
Impaired Risk Life Insurance
- Type 1 and type 2 diabetics
- Crohn’s disease
- Autoimmune disorders
- Sleep apnea
- Multiple sclerosis
- Coronary Artery Disease
American General offers a special table rating structure that can give them an advantage over most of the competition. Every once in a while, they make a good offer on a random health issue not shown above. For this reason we always request an offer from American General for any issue for which they may not usually be competitive.
So American General should always be considered if you have any health issue, whether it’s a major or minor issue.
Other Niche’s for Which American General Is Competitive
American General is good for no more than once a week cigar smokers and for people with slightly elevated cholesterol/HDL ratio.
They offer odd guaranteed level premium term durations from 15 to 30 years (i.e. 16 year, 17 year, 23 year, 27 year term, etc.). This is perfect if you may only need coverage for an odd period of time, like to cover your remaining mortgage.
While American General offers several types of permanent life insurance, their Guaranteed Universal Life rate called the AG Secure Lifetime GUL II is currently their most competitively priced permanent coverage.
Any mild impaired risk who qualifies for a Table B rating on their GUL product automatically gets upgraded to a Standard or Regular rate.
Plus they offer a unique rider on their GUL called the Lifestyle Income Solution rider which allows access to your death benefit for any reason after age 85 which is perfect to protect against outliving your retirement assets.
American General Life is a great company with really good products and they do some unique things in the life insurance industry.
Click here to email us if you have questions or need more information. Click the link below for an accurate quote from American General and we will automatically email you their best rate and the best rates from other insurance companies that may be better for you.