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Select-a-Term

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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

Life doesn't always fit into neat little five year increments that are the standard for most term insurance policies. Select-a-Term® from American General Life Insurance Company offers you a powerful new way to customize your life insurance plans to anticipate known future events such as retirement, paying off a mortgage or funding your children's college education.

With Select-a-Term you avoid paying extra, unnecessary costs by choosing only the term coverage you need: 10-, 12-, or 15- through 35-year term periods.

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Policy Highlights Back To Top

A choice of 10-, 12-, or 15- through 35-year terms of life insurance coverage
Full convertibility to a permanent life insurance policy of the company’s choosing, up to the end of the level-premium period or age 75 of the insured, whichever comes first

A terminal illness endorsement¹ providing the option to accelerate the lesser of $250,000, or 50 percent of your policy death benefit, if the insured is diagnosed by a qualified physician as having 12 months or fewer to live

Available Riders3 Back To Top

∙ Accidental Death Benefit: Pays a death benefit in addition to the death benefit of the base policy if such death resulted from certain accidental injuries

∙ Waiver of Premium: Automatically waives policy premiums after six months in the event of the insured’s total disability (not available if the face amount of the policy exceeds $5 million)

∙ Child Rider: Available for issue for children 15 days or older but less than 19 years old

∙ Disability Income Rider: Can pay a monthly benefit up to two years if you are unable to work because of an illness or injury. While you are receiving benefits under this rider, all policy and rider premiums are waived. Only available on term periods through 30 years, not available on periods 31-35.

¹ Terminal illness endorsement is automatically included in the policy at no additional premium. State variations apply, and the endorsement is not available in all states. Any amount advanced is subject to a one-time fee and other terms and conditions. See your policy for details.
² Issue ages may vary by state, term period and by risk classification.
³ See the policy and riders for complete details. There may be a charge for each rider you select. All benefits payable are subject to the terms and conditions of the policy and riders, including benefit durations, limitations and exclusions. Not all benefits, rates and exclusions are covered in every state. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.
Policy issued by: American General Life Insurance Company
2727-A Allen Parkway, Houston, TX 77019
Select-a-Term Policy Form Number 07007
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

Contact AIG by email or phone Call M-F 6am-8pm ET | USA: 1-877-638-4244 Worldwide: +1-908-679-3150

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