Life Insurance for Individuals



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Life Insurance


Many individuals and their financial planners consider life insurance as the cornerstone of their financial plan. While the main purpose of life insurance is to help take care of your family in the event of your death, policies can also serve other purposes including: 

  • Providing funds to pay final expenses 
  • Creating an inheritance for your heirs 
  • Making charitable contributions in the event of your death 
  • Creating a source of tax-deferred savings1  

1Based on current federal income tax laws.  

Our Life Insurance Products

  • Term Life Insurance
  • Term Insurance - Basic protection, made even better
    Generally speaking, term insurance is as basic as it gets. It’s referred to as “term” because it’s only in effect for a specific period of time. And unlike permanent life insurance, it doesn’t accumulate cash value. So it’s typically the most affordable insurance. It’s designed solely to protect your family, home or savings should anything happen to you. With annually renewable term, your premiums may increase each year; with level term, they stay constant. All that being said, we’ve managed to include enhancements no other major carriers offer. For example, while most limit you to terms of 10, 15, 20 or 30 years, our term life insurance policies come with a number of different level premium term options, allowing you to exactly match the term to your needs. And with AG ROP Select-a-Term®, you can surrender the policy and get your money back—every penny of every premium—should you outlive the term.

    AG Select-a-Term
    AG ROP Select-a-Term  
    QoL Flex Term

    Policies may contain provisions permitting renewal following the end of the level-premium period, although the term life insurance rates will probably be higher. Some term life insurance policies include an option to convert to a permanent life insurance policy.
  • Index Universal Life
  • Index Universal Life Insurance

    Safety and security are the most important features to look for in a life insurance policy. Non-guaranteed policy features have the potential to enhance policy values. There are risks and rewards associated with these non-guaranteed features. The challenge is to find the policy that has potential to deliver benefits you’re seeking with a risk level acceptable to you. 

    One of the more innovative options available today is an index interest crediting methodology based in part on the performance of one or more external financial indices such as the S&P 500®.1,2 Interest is calculated based in part on changes in the index (without dividends) and credited at the end of the index interest crediting term. Because returns are based in part on a specific index’s performance, fixed index interest universal life insurance may offer a greater potential for cash value growth than non-index interest universal life insurance. However, if the external index performs poorly, the index interest credited to your policy may be less than interest credited under life insurance policies that provide declared interest rates, and in some or all years, you might receive no index interest.

    Index Universal Life Products


    S&P 500® is a trademark of Standard & Poor’s and has been licensed for use by American General Life Insurance Company and The United States Life Insurance Company in the City of New York.
    2 The policy owner does not purchase interests or otherwise directly participate in any stock market index, mutual fund, stock or other investment in securities.

  • Universal Life Insurance
  • Universal Life 

    Universal life insurance offers policy owners the flexibility to choose both the amount of insurance and the premium to be paid with a range of potential premiums.

    Features
    • As needs change, the amount of coverage and premium paid may be adjusted, subject to certain limitations.
    • Premium payments are credited to a cash value account where the policy earns tax-deferred interest at a rate set by the company, which may be higher than the minimum rate guaranteed in the policy.
    • The policy expenses and cost of insurance charges are deducted monthly from this cash value account. Generally, cash values can be accessed by the policy owner through policy loans and withdrawals (charges may apply).

    Universal Life Products

  • Quality of Life...Insurance
  • Quality of Life...Insurance®

    At American General our Quality of Life...Insurance suite of products is Changing The Way Americans Think About, Purchase and Use Life Insurance.®

    What if you suffer a major heart attack, stroke, or invasive cancer and don’t die? Would your family be able to maintain their standard of living if you were financially impacted by a serious illness?

    Traditional life insurance is designed to provide security for your loved ones in the event of your premature death… but what if you could get life insurance you don’t have to die to use? 
  • Whole Life Insurance
  • AG Whole Life

    Your family depends on you, and there's no substitute for your love and support. But there's comfort in knowing you can help provide financial security for them with whole life insurance.

    Whole life insurance protects you for your whole life. Whole life can be a solid foundation upon which to build a long-term financial plan because it provides lifetime protection for your family or business.



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