Why Term Insurance?
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For millions of Americans just like you,
term life insurance is an ideal
solution for their family or business protection needs.
Term insurance provides affordable, guaranteed death
benefits coverage for as long as you need it. For some,
that means protecting their families from a mortgage
burden in case of premature death. For others, it means
providing key person coverage to ensure continuity for
their business.
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ROPTerm
This is a reliable term
coverage for 15, 20 or 30 years - and something more. At
the end of the term, the company will refund all
premiums paid directly to the policy holder**. Customize
coverage by adding one of the numerous riders available.
1. Guaranteed
level-premium coverage for 15, 20, or 30 years, with
face amount of $100,000 and up.
2. Return of cumulative
premiums paid at the end of the level-premium period.
Level Term
AIG
Select-a-Term provided 18 level terms
periods to choose from, expanded issue ages, and
competitive rates. The flexibility of AIG Select-a-Term
is a powerful new way to customize a life insurance
plan. This products is not available to New York.
- Level death benefit
protection at a full guaranteed premium for 10, 12,
and 15 through 30 years.
- Minimum face amount
of $250,000
- Rates are banded at
$1,000,000
- $50.00
non-commissionable policy fee
- Six underwriting
classes - 4 non-tobacco and 2 tobacco
- Convertible during
the earlier of the level term period or age 75
- Disability income
rider is available on policies with face amount
above $250,000 issued standard or better (optional,
extra cost). The rider has a 90-day elimination
period and a 2-year benefit period
LTG Ultra (Replace by Select-a-Term):
Provides competitive level death benefit term plans with
fully guaranteed level premiums for the first 10, 15, 20
or 30 years. Policies issued with a minimum face amount
of $250,001.
1. Guaranteed
level-premium coverage for 10, 15, 20, or 30 years, with
face amounts of $250,000 and up
2. Lower cost band
available for all single policies issued with face
amount of $1 million or more.
Note: All the above
information are subject to change without notices.
**
Note: The cumulative premiums paid on the policy during
the level term period (15,20 or 30 years), not including
any substandard and rider charges, will be paid to the
policyholder at the end of the level term period if the
policy is then in force. The premium returned does not
take into account any time value of money. Beginning the
sixth(6th) policy year, a portion of the cumulative
premiums will be returned if the policy is surrendered. |
