Policy Benefits and Flexibility:  

American General provides straightforward insurance policies and makes certain that you have a clear idea of any policy you buy into. With American General you know exactly what you’re signing up for. This is far and away one of the aspects of American General that impressed us.

American General offers life insurance policies well suited for every set of needs. Their term insurance pays out benefits only in the event of death. AG Select-a-Term life insurance is available in 10, 12 and 15 through 30 year terms. Term life insurance doesn’t accumulate any cash value, but given that its premiums are the most affordable, it is a very popular policy choice.

More costly insurance policies include American General’s universal life, index universal life, variable universal life and whole life insurance policies. Premiums vary on the policies according to payout potential and the cash value of the policies. Depending on the degree to which you’re hoping to use your life insurance policy as a financial tool, American General’s non-term policies offer varying degrees of payouts and death benefits. American Elite Whole Life converts a portion of every premium to cash value which can be cashed out at a cost to death benefit payouts. American General offers a handful of variable life insurance plans that function primarily as long term legacy investment tools. AG Income Advantage select, for example, accumulates cash value, has flexible premium payments, includes death benefits and can be configured to contribute to a retirement fund.

Additional Services:  

If death benefits aren’t high on your list of priorities, American General also offers clients annuity plans. You have the choice of deferred annuities and immediate income annuities. Immediate income annuities require you to pay a lump sum up front and they continue to pay out for the rest of your life. American General has a variety of deferred annuities tailored according to premium payments, contract length and payout.

Small business owners or large families will want to take a look at American General’s group health and life insurance.

Customer Support:  

American General support staff can be contacted directly during normal business hours. American General has representatives all across the country so securing personalized service is not a problem. American General’s online policy management also includes email and web support.

Whether you’re looking to simply fortify retirement plans or ensure that your family is looked after in the future, American General offers life insurance policies fitted for your needs. We were impressed with the straightforward presentation of their policies and the easy-to-use eService client on American General’s website. For legacy management and life insurance needs, American General should be on your short list of providers.

For more on leading life insurance providers be sure read reviews of our top three products: Metlife, ING and State Farm Insurance.

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