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Guaranteed Issue Life Insurance: A Choice for Seniors

Guaranteed Issue Whole Life Insurance policies are available to anyone ages 50 – 85, who purchases them, regardless of any past or present health conditions. This type of coverage is especially beneficial to seniors who may otherwise be denied a life insurance policy.
Call 855-382-3599 to get a quote for Guaranteed Whole Life Insurance from AIG Life Insurer Companies today!

4 benefits of guaranteed issue policies

Age is the single biggest factor that influences life insurance rates[1], and a Guaranteed Issue Life Insurance policy is a way for seniors to get past that obstacle. But that’s not the only benefit. Below, we count down four significant benefits of Guaranteed Issue Whole Life Insurance policies for seniors.


1. You won’t be turned down.
An older adult with health concerns may be designated as “uninsurable” by many life insurance companies. But an older adult with health concerns is exactly who this type of policy is designed for. If you are between the ages of 50 and 85, we guarantee you will not be turned down.

2. You won’t have to undergo a medical exam.
Traditional life insurance plans often require a medical exam or health questions to determine an applicant’s risk level and premium. But with Our Guaranteed Issue Whole Life Insurance, that is not the case. There are absolutely no medical exams or health questions required.

3. Your premiums will not go up.
One of the benefits of our whole life insurance policy is the fixed premiums. AIG Life Insurer Companies ensures that premiums will not change during the life of the policy, allowing for predictable costs and easy budgeting.

4. There are living benefits should you qualify.
If you are certified as having a chronic illness or severe cognitive impairment, AIG Life Insurer Companies will return all of the premiums paid into the policy. Should you be certified as having a terminal illness, the policy will pay out up to 50% of the face amount at the time of acceleration. The money received from these living benefits can be used however you wish.

Get a quote today

If you’re a senior without life insurance, you may be putting your loved ones at risk for a financial burden. Funeral costs, hospice care, unpaid debts and medical bills are just some of the expenses your family may be left with if you do not have a life insurance policy in place when you die.

Guaranteed Issue Whole Life Insurance from AIG Life Insurer Companies offers up to $25,000[2] in permanent coverage, meaning it won’t expire as long as the premiums are paid. This money can help your surviving family members pay for your final expenses, estate taxes or more.

It’s easy to get a free quote from AIG Life Insurer Companies. Call 855-382-3599 to speak to a licensed agent today.

[1] Source: http://www.investopedia.com/articles/investing/102914/7-factors-affect-your-life- insurance-quote.asp?lgl=myfinance-layout

[2]The total amount of all American General Life Insurance Company Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate. Policies issued by AGL in all states except NY, Policy #: 1
5532, ICC15-15532. AGL is not licensed to do business in New York.

Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"), New York, NY, all members of American International Group ("AIG").

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 15201-35except in New York where issued by The United States Life Insurance Company in the City of New York (US Life), Policy Form Number: 15532N. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG).

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. Each issuing insurance company is responsible for financial obligations of their respective insurance. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant.

AGLCXXXXXX ©2018 AIG. All Rights Reserved.

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