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Guaranteed acceptance whole life insurance

Benjamin Franklin once noted that there are two certainties in life: death and taxes. But it’s feasible to add guaranteed issue whole life insurance to that short list of guarantees.

Guaranteed issue whole life insurance from AIG Life Insurers offers guaranteed acceptance to applicants between the ages of 50 and 85, regardless of health. Coverage is subject to receipt of payment and verification of identity as required by law and is effective upon receipt of policy.

Learn more about this type of life insurance policy and find out how it could be the insurance option that is right for you.

Why choose guaranteed acceptance life insurance?

One important factor in determining life insurance rates is the health status of the applicant. This includes their family health history as well as their own health history. An applicant in poor health might pose a greater risk for the insurer, and thus they may be charged higher rates for a policy. If the insurance company determines that the person’s health simply carries too much risk, the applicant may be denied coverage entirely.

But guaranteed issue whole life insurance (sometimes called “guaranteed acceptance”) can feature rates that are not affected by these health variables.

  • Questions about family health history
    The rates of a traditional life insurance policy can go up if there’s a history of cancer or other health issues in your family. Guaranteed issue whole life insurance doesn’t take these into account.

  • Questions about your health
    The applications for other types of whole life insurance will likely ask about your health, including your tobacco use. If you are between ages 50 and 85 and have a history of tobacco use or any potential health issues, you won’t be turned down for a guaranteed issue whole life insurance policy from AIG Life Insurers because of those health issues.

  • A physical exam
    Non-guaranteed life insurance policies will often feature a medical exam as part of the application process. Health indicators such as your blood pressure and heart rate might be measured to assess your overall health. A guaranteed issue whole life insurance policy doesn’t require a medical exam.

With a guaranteed acceptance whole life insurance policy, you’ll be granted the same premium rate as any other applicant age 50 to 85 purchasing guaranteed acceptance whole life with the same gender, regardless of your health. Because there’s no underwriting process, policies can typically be processed and activated in a matter of days instead of weeks.

Guaranteed issue whole life insurance can offer permanent coverage to people whose health may prevent them from obtaining affordable premiums through basic life insurance.

Speak with an AIG-appointed life insurance agent today by calling 888-428-8870 to learn more about guaranteed acceptance whole life insurance and why this type of policy may be right for you.

Policies issued by: American General Life Insurance Company (AGL), Policy Forms: ICC15-15532, 15532,15532-5, 15532-10. Rider Numbers: ICC15-15200, ICC15-15201, 15200, 15200-10, 15200-35, 15201, 15201-9, 15201-10 and 15201-35. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features and rates may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. © 2018 AIG. All rights reserved.
AGLC111713-C

 

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