Life Insurance

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What is Life Insurance?

For thousands of Americans, Life Insurance is the ideal solution for ensuring financial protection for their family and their business. Term life insurance provides affordable, guaranteed, death benefits and coverage.

For many, this means protecting their families from mortgage burden, debt collectors, and the costly funeral costs in case of premature death. For others, it provides the coverage needed to ensure the continuity of their businesses.

About ROPTerm

ROPTerm is a reliable term coverage for 15, 20, or 30 years. At the end of the term, the insurance company will refund all premiums paid directly to the policy holder.

Guaranteed level-premium coverage for 15, 20, or 30 years with face amount of $100,000 and up.

Return of cumulative premiums paid at the end of the level-premium period.

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About Level Term

AIG "Select-a-Term" provides 18 level terms periods to choose from with 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 product is not available to New York.

  • Level death benefit protection at a full guaranteed premium for 10, 12, 15, and 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. The rider has a 90-day elimination period and a 2-year benefit period