Accident and Health Insurance Agents and Agencies
Insurance Benefits Beyond Major Medical or ACA
Accident and Health Products
Accident and Health at AIG
The strength and reliability of AIG has held steadfast through time. Our A&H policies have no network restrictions, require no coordination of coverage, are guaranteed renewable, and portable. Plus our new eProcessing platform moves at the speed you need to handle the demands of open-enrollment season.
The value proposition to clients is simple: suffer an unfortunate illness or accident and get cash benefits in your or your loved one’s hands. Use the money for whatever you want in your time of need and reduce your out-of-pocket expenses, rather than adding to them.
State variations and availability differ greatly by insurance product, type, and riders associated with those products. Be sure to check our maps and product specifications carefully when selected the right one for your client.
Frequently Asked Questions
We carry 3 different accidental injury products, dependent upon your client’s state of residence: Accident Expense Plus®, AG Accident Choice Plus®, and EmergencyCare Plus®. Each offer different riders, pricing, and benefits – so it’s important to select the correct product for the appropriate client.
When a critical illness such as cancer, heart attack or stroke occurs, the policy can provide a lump sum payment to your client. The payment can then be used to help cover costs associated with a critical illness diagnosis. The product offers nonmedical underwriting for up to $100,000 in coverage.
Our in-house marketing, training, product, and new business teams’ work together to support our distribution partners in all their agent on-boarding and new customer needs. We offer resources that range from marketing playbooks, training webinars, and infographics to eService and our eStation producer portal.
Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state. Please consult the policy form and outline of coverage for details. Comprehensive medical coverage may be required in some states in order to apply for or maintain the policy.Policies issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy Form Numbers: 07120, 07120N, 05130, 04120, 11120 and 02114.