The AIG Family of Companies is committed to providing quality service and insurance products to our customers, and we are an integral part of Hawaii’s community.
- Office locations for office locations and hours.
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Tel: 533-AIGH (on Oahu)
Toll free from neighboring islands: 1-877-533-2444 - Email: aigh001@aighawaii.com
Life Insurance (Individual/Group) - Hawaii Customers
Offered by:
AIG Hawaii
Product Details
Term insurance coverage is popular, and is usually the least expensive. Every year, you pay a fairly low premium which covers your life for that policy term. However, as you get older, the premiums get higher for the same amount of coverage.
Some term life insurance policies provide a diminishing amount of coverage for each successive year of the term. This type of policy provides greater protection during the early years of the term and less towards the end. If you need life insurance for ten years of less, term insurance may be your best choice because it generally offers lower premiums compared to other types of coverage.
Burial expense coverage is often used to cover the very young or very old. It provides enough money to cover burial expenses. The return varies but the standard is five thousand to ten thousand dollars. This coverage helps to ensure that a death in the family does not add additional financial strain.
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Features and Benefits
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The main reason for life insurance is to supplement your income for your family in case of your death. Most young single people do not invest in life insurance. Once you are in your twenties or decide to get married however, you may want to consider life insurance. Premiums will tend to be lower when you are younger because insurance companies feel you have less chance of dying. Most jobs provide life insurance, but it is best not to rely solely on this policy. You may loose your job, and in doing so loose your life insurance. When deciding on the amount of coverage you may want to consider your families situation. You may need less insurance if you have 1 child and your spouse is working. If your spouse doesn't work and you have several small children, you may choose to purchase more coverage. The funds from your policy need to cover your final medical bills, burial costs, and paycheck as well as your families daily living expenses and long term needs such as retirement and college.Term insurance coverage is popular, and is usually the least expensive. Every year, you pay a fairly low premium which covers your life for that policy term. However, as you get older, the premiums get higher for the same amount of coverage.
Group Insurance Programs
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Our Group Insurance programs are designed for employer groups, union groups, and various associations of all sizes. Hawaii Insurance Consultants will provide our customers with quality products and services through over 20 insurance companies throughout the country. These companies must receive an A.M. Best Rating of "A" (Excellent) or better before we'll use them to provide you with any benefit(s) for your group. It is our commitment to provide our customer with the best coverage at competitive prices, and we will not be satisfied until we do.