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Life Insurance

Protection for your family or business

Life insurance is at the core of many families’ financial plans. When you die, it can help provide security for your survivors, keep your business going or fund your favorite charities. But did you know that life insurance can also provide benefits while you’re living – including college funding, retirement income or help with medical expenses?

The difference we bring is Quality of Life...Insurance®

Quality of Life. . .Insurance® is a suite of insurance products. In addition to needed insurance protection, it also offers living benefits through the Accelerated Benefit Rider(s)*. With this Accelerated Benefit Rider, if you suffer a qualifying illness, you can receive income to cover the costs of treatment, recoup lost income or any other purpose. You also have the option to add additional discounted term coverage for yourself, your spouse or your children.

Frequently Asked Questions

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Many factors must be considered – including your age, your health, your needs, goals and budget. Your AIG Financial Network professional can guide you through a discovery process and help you make an informed decision.

Life insurance is often much less expensive than most people realize. Policies are available to suit nearly any need or budget. If budget is an issue, you may want to consider starting small then add coverage as your needs change and your income grows.

It’s never too early to establish and fund your long-term life insurance strategy. In fact, life insurance costs are usually lower at younger ages. Life events, such as marriage, the birth of a child or a desire to accumulate wealth, can trigger a need for additional life insurance.

Term life insurance provides budget-based coverage for a specific period of time. Universal life, variable universal life and index universal life** are offered by AIG Financial Network. Second-to-die (or survivorship) coverage can provide tax-advantaged assets to help fund an estate plan. Your AIG Financial Network professional has access to a complete portfolio of life insurance solutions.

Some life insurance policies offer riders that provide benefits to help with medical expenses, retirement or other life events. Since you don’t have to die to receive these benefits, they’re called “living benefits.” Most all AIG Financial Network products include living benefits at no additional charge. Discover how our innovative Quality of Life® benefits can help make an impact on your lifelong security and peace of mind.

The accumulated values in your policy can be used to provide supplemental income – before or after retirement – or to fund a specific need or objective as part of your financial plan. Certain policy riders can be purchased to unlock additional income opportunities.

Key Benefits of Life Insurance

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Death Protection

When you die, the tax-free death benefit is paid to your beneficiaries to help secure their futures.

Living Benefits

Some policies, like universal life insurance or index universal life insurance**, provide income for retirement or supplemental income if you suffer a chronic or critical illness.

Cash Accumulation

Some policies, like index universal life insurance**, are designed to earn interest based on market performance or a declared rate of interest.

Tax Savings

Life insurance death benefits are usually tax-free, and there can be tax advantages to taking income from your policy.

 

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Important Consumer Disclosures

*Subject to terms and limitations. See the rider for details regarding the benefit descriptions, limitations, charges and exclusions. Please visit https://www-160.aig.com/life/qol/qol-disclosure for Important Consumer Disclosures regarding Accelerated Benefit Riders.

**Universal Life Insurance is a type of flexible permanent life insurance offering affordable protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup. An indexed universal life insurance policy gives the policy holder the opportunity to allocate cash value amounts to either a fixed account or an equity index account. Indexed policies offer a variety of popular indexes to choose from, such as the S&P 500 and the Nasdaq 100.

Before investing, you should carefully consider your need for life insurance coverage and the charges and expenses of the variable universal life insurance policy. You should also consider the investment objectives, risks, fees, and charges of each underlying variable investment option. This and other information is contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. You may obtain these prospectuses by calling your agent/registered representative and should read them carefully before investing.

AIG Financial Network includes the employee agents of American General Life Insurance Company (AGL), a member of American International Group, Inc. (AIG). Policies and annuities are issued by AGL, which is responsible for financial obligations of insurance products. Policy Form Numbers: ICC14-14523, 14523, ICC12 AGLA 12UGC, AGLA 12UGC, ICC14-14579, 14579, ICC14-14888, 14888. Guarantees are backed by the claims-paying ability of the issuing insurance company. All are member companies of AIG. All companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult your professional attorney, tax advisor or accountant.

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