Regarding all advertised services: 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). Each issuing insurance company is responsible for financial obligations of their respective insurance. Guarantees are backed by the claims paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. 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 your professional attorney, tax advisor or accountant.
Television Ad Disclosures:
Rate Example: $300,000 coverage for $15/month example assumes a 40 year old male buying a 10 year term life insurance policy in the Preferred Plus Underwriting Class based on monthly premium rates as of 2/11/2022.
Save up to 40%: Savings comparison based on monthly premium rates as of 2/11/2022 for a 10-year level term policy, face amounts of $300,000, issued by American General Life Insurance Company at its best published rates for a male, age 40, non-smoker.
Up to 3x more: Savings comparison based on monthly premium rates as 2/11/2022 for a 10-year level term policy for selected coverage amounts, issued at each company's best published rates for a male age 40, non-smoker.
Radio Advertisements: Characters, including spokesperson, and situations are dramatizations.
Endorsements/Testimonials. The endorsements/testimonials presented should not be construed as a recommendation to purchase or an indication of the value of any product or service. The testimonials are provided by actual AIG Direct customers who are not affiliated with AIG Direct and who were not provided compensation.
Save up to 55% savings comparison based on monthly premium rates as of 2/11/2022 for a 10-year level term policy, for face amounts of $1,100,000 issued by American General Life Insurance Company at its best published rates for a female, age 30, non-smoker.
Notice to California Residents Age 65 or Older: In the process of evaluating the purchase of any life insurance or annuity product, you should understand that the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties or other costs or penalties as a result of their sale or liquidation. Prior to purchasing the new life insurance or annuity product, you or your representative may wish to consult independent legal or financial advice before selling or liquidating any assets.
For the AGL products discussed below, rates are current as of the date each advertisement is placed and most recently confirmed as of 2/11/2022. Issuing companies, AGL and/or US Life are each responsible for financial obligations of their respective insurance products and are members of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. In New York, products may be available through US Life. Products may not be available in all states and features may vary by state.
Term Life Insurance: Advertised Rate Examples for a 35-, 40- or 45-year-old person having a $250,000, $500,000 or $750,000 are for 10-year, 15-year or 20-year term life insurance policy are based on the policy information below. Preferred Plus Underwriting Class, Policy #19311, ICC21-19311 Rev0321, issued by AGL (see chart below for detailed rate information). Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years. In New York State, term life insurance is available through US Life, Policy # 19311N Rev0321.
$250,000 coverage at a Preferred Plus Rate
Male 35
Female 35
Male 40
Female 40
Male 45
Female 45
Male 50
Female 50
10 year
term
$10.27
$9.54
$13.39
$11.49
$17.35
$15.45
$24.22
$20.60
15 year
term
$11.59
$10.70
$13.39
$13.34
$22.53
$21.67
$35.11
$26.42
20 year
term
$13.63
$12.18
$17.68
$15.73
$26.75
$22.74
$38.92
$31.02
$500,000 coverage at a Preferred Plus Rate
Male 35
Female 35
Male 40
Female 40
Male 45
Female 45
Male 50
Female 50
10 year
term
$14.02
$12.19
$18.62
$16.03
$28.90
$24.17
$42.50
$34.42
15 year
term
$16.15
$14.45
$21.34
$21.25
$35.84
$33.99
$54.31
$45.47
20 year
term
$20.82
$17.63
$29.38
$25.11
$46.62
$36.94
$71.21
$55.67
$750,000 coverage at a Preferred Plus Rate
Male 35
Female 35
Male 40
Female 40
Male 45
Female 45
Male 50
Female 50
10 year
term
$18.31
$15.75
$25.20
$21.32
$40.62
$33.53
$61.02
$48.91
15 year
term
$21.50
$18.95
$29.28
$29.15
$51.05
$48.27
$78.74
$65.49
20 year
term
$28.50
$23.72
$41.35
$34.95
$67.21
$52.67
$104.09
$80.79
Highly Rated Insurance Carriers: Every life insurance company that AIG Direct represents has been rated A- to A+ by A.M. Best for financial strength, which means they have earned one of four of the highest ratings out of 13. A.M. Best is an independent rating organization that assigns ratings measuring financial strength or claims-paying abilities with ratings from A++ (Superior) to F (in Liquidation). They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. These ratings are current as of 06/25/2021. Each company's policies have their own terms, exclusions, limitations, and reductions for keeping them in force.
