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ROP Select-a-Term^SM

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American General life insurance companies are leaders in the life insurance industry providing innovative products and services to over eight million customers.

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American General

Product Details

Introducing ROP Select-a-Term^SM life insurance from American General Life and United States Life. For the term you select –15 years or any of 20 through 35 years – your policy will help protect your family, your home and your savings should anything happen to you. ¹ And if you survive and the policy remains in force to the end of the term period, you can get back the premiums you’ve paid – no questions asked, no paperwork and no hassle. ²

Advantages of ROP Select-a-Term: In addition to getting the premiums back if you outlive the policy term, you can borrow from the cash value accrued in your policy and still keep your coverage. ³ Even if you surrender your policy after the fifth policy year, you can get some of your money back. Should you ever stop making premium payments, your policy could automatically convert to paid-up coverage with a reduced death benefit. ⁴ Your agent can customize your quote showing projected policy values each year.

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Policy Highlights Back To Top

You can choose from 17 term durations: 15 years and any of 20 through 35 years.
Your affordable premiums are guaranteed to remain level throughout the policy term.
During the level term period, you’ll have the option to convert your ROP Select-a-Term policy to a permanent life insurance policy. ⁴

Issue ages: 20 - 65
Minimum death benefit: $100,000

Available Riders Back To Top

∙ Accidental Death Benefit: Pays in case of death resulting from accidental injuries.

∙ Waiver of Premium: Protects your policy by waiving premiums on the base policy upon total disability of the insured after a six-month waiting period for American General Life and a four-month waiting period for the United States Life.

∙ Child Rider: Extends coverage to all of your eligible children.

∙ Disability Income Rider*: Pays a monthly benefit up to two years if you are unable to work because of an illness or injury.

∙ Terminal Illness Rider*: If you are diagnosed with a terminal illness, you’ll have the option of drawing part of your policy benefit to help cover expenses.⁵

*Not available on the United States Life Policy.
Get more information about ROP Select-a-Term and other American General Life insurance products.
¹ 31 - 35 periods are not available in the state of Washington.
² ROP Select-a-Term accumulates a cash value that first appears beginning the fifth policy year. At the end of the level term period, the cash value of the inforce policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings and riders and any outstanding loan balance. If your needs change and you surrender the policy, or convert it to our permanent insurance, you will receive the cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.
³ The loan interest rate is 8.00% per year, payable in arrears. Consult with your tax professional to determine if transaction is a taxable event.
⁴ Convertibility feature extends to the earlier of the end of the level premium period or the insured’s attainment of age 70.
⁵ Available if the insured is diagnosed by a qualified physician as having 12 months or fewer to live; benefit maximum is the lesser of $250,000 or 50 percent of the policy benefit.
Policy issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, Texas 77019
Select-a-Term Policy Form Number 06001
Accidental Death Benefit Rider Form Number 79002
Child Rider Form Number 79410
Terminal Illness Rider Form Number 91401
Waiver of Premium Rider Form Number 79001
Disability Income Rider Form Number 06305
The United States Life Insurance Company in the City of New York
70 Pine Street, New York, 10270
ROP Select-a-Term Policy Form Number 08701N
Accidental Death Benefit Rider Form Number ADB79-1E
Child Rider Form Number CI79-1E
Waiver of Premium Rider Form Number WP79-1E

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ROP Select-a-TermSM

ROP Select-a-Term^SM