American General Life Insurance Company Information

Name:	American General Life Insurance Company
Description:	American General Life Insurance Company is a member of American International Group, Inc. (AIG).
Website:	http://www.aglife.com
Customer Service:
Address:	2727-A Allen Parkway Houston, TX 77019
Offered by QuickQuote in:	All states except for NY
Year Founded:	1910
AM Best Rating:	A++ as of 2007
S&P Rating:	AA+
Included Term Life Product Features
Terminal Illness Endorsement:	Included with no extra premium. This benefit is a one-time acceleration of up to 50% of the death benefit proceeds payable under the base insurance policy, not to exceed $250,000. An insured may become eligible for this benefit if diagnosed by a qualified physician as having 12 months or fewer to live. Not available in CT, IN, KS, MI, NJ, NY, PA, SC, VA andWA.
Exchange Option:	Included with no extra premium. The insurance policy may be converted to an eligible permanent life insurance plan during the conversion period without evidence of insurability. The conversion period extends to the earlier of the end of the term period or the insured's attainment of age 75.
Optional Term Life Product Features
Waiver of Premium Rider:	Available with extra premium. This rider will pay insurance policy premiums in the event of the insured's total disability after a six month waiting period. Issue ages depend on the policy term. Coverage expires following the insured's attainment of age 65. Not available on policies with face amounts greater than $5,000,000. Please email or call for details and premium rates.
Child Rider:	Available with extra premium. Parent issue ages are 20-55 and child issue ages are 15 days up to 19 years of age. Coverage expires on the earlier of the insurance policy anniversary nearest the child's age 25 and parent's age 65. One unit of coverage equals $1,000 with a maximum of 10 units. Annual cost per unit is $5.00 for insured issue ages 20-50, and $7.50 for insured issue ages 51-55. For Return of Premium Policies the cost per unit is $5.50 for insured ages 20-50 and $8.00 per unit for insured ages 51-55.
Other Information
Legal Information	A two-year contestable and suicide provision applies in most states, and TX. AIG Select-a-Term Policy Form Number 07007; LTG Ultra Policy Form Number LTG-2000AG; LTG Ultra-C Policy Form Number 06004; ROPTerm Policy Form Number 06001. Maximum issue age in WA: 10-yr = 70, 15-yr = 65, 20-yr = 60.

COMPANY PLANS(back to top)

SAT ROP Term 15 View Brochure	15-year term life insurance with rates guaranteed for 15 years. The plan returns all premiums, minus any fees, extra charges or premiums for optional riders paid by the policy owner at the end of the 15-year term if no claim has been made. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.
SAT ROP Term 30 View Brochure	30-year term life insurance with rates guaranteed for 30 years. The plan returns all premiums, minus any fees, extra charges or premiums for optional riders paid by the policy owner at the end of the 30-year term if no claim has been made. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.
SAT ROP Term 20 View Brochure	20-year term life insurance with rates guaranteed for 20 years. The plan returns all premiums, minus any fees, extra charges or premiums for optional riders paid by the policy owner at the end of the 20-year term if no claim has been made. A portion of the paid premiums may be returned if the policy is terminated prior to the end of the term.
Select-a-Term 10 View Brochure	10-year term life insurance with rates guaranteed to remain the same for the entire 10-year term period.
Select-a-Term 15 View Brochure	15-year term life insurance with rates guaranteed to remain the same for the entire 15-year term period.
Select-a-Term 20 View Brochure	20-year term life insurance with rates guaranteed to remain the same for the entire 20-year term period.
Select-a-Term 25 View Brochure	25-year term life insurance with rates guaranteed to remain the same for the entire 25-year term period.
Select-a-Term 30 View Brochure	30-year term life insurance with rates guaranteed to remain the same for the entire 30-year term period.
Select-a-Term 21
Select-a-Term 35	35-year term life insurance with rates guaranteed to remain the same for the entire 35-year term period.
LTG Ultra-C 10 View Brochure	10-year term life insurance with rates guaranteed for 10 years.
LTG Ultra-C 15 View Brochure	15-year term life insurance with rates guaranteed for 15 years.
LTG Ultra-C 20 View Brochure	20-year term life insurance with rates guaranteed for 20 years.
LTG Ultra-C 30 View Brochure	30-year term life insurance with rates guaranteed for 30 years.
LTG Ultra 10 View Brochure	10-year term life insurance with rates guaranteed for 10 years.
LTG Ultra 20 View Brochure	20-year term life insurance with rates guaranteed for 20 years.
LTG Ultra 15 View Brochure	15-year term life insurance with rates guaranteed for 15 years.
LTG Ultra 30 View Brochure	30-year term life insurance with rates guaranteed for 30 years.

COMPANY UNDERWRITING GUIDELINES(back to top)

Below is a table showing the rating class you would most likely fit into based on an answer to an underwriting guideline question. Remember this is only a guide and actual underwriting guidelines and class are determined at the time of underwriting. If you are classified as a tobacco/nicotine user, the classes available to you will be Preferred Tobacco and Standard Tobacco.
	Preferred Plus	Preferred	Standard Plus	Standard	Preferred Tobacco	Standard Tobacco
Did either of your natural parents have a history of cardiovascular disease (heart attack, stroke, hypertension, etc.) prior to age 60?	No	Yes
Did either of your natural parents die of cardiovascular disease (heart attack, stroke, hypertension, etc.) prior to age 60?	No		Yes
Did either of your natural parents have a history of cancer prior to age 60?	No	Yes
Did either of your natural parents die of cancer prior to age 60?	No		Yes, 1 parent	Yes, both parents
What is your history of tobacco/nicotine usage?	None in last 5 years	None in last 3 years	None in last 2 years	None in last 1 year	Current User
Are you an occasional cigar smoker?	Yes, 1 per week				Yes, > 1 per week
Are you currently being treated for hypertension (high blood pressure)?	No	Yes
What is your current blood pressure reading (if you are not currently being treated)?	Age 61+: <150/85	Age 61+: <155/88	Age 61+: <160/92	Age 61+: >160/92
What is your current blood pressure reading (if you are currently being treated)?		Age 61+: <150/85	Age 61+: <155/88	Age 61+: >155/88
What is your current cholesterol level?	Chol/HDL ratio <4.5 and chol <240	Chol/HDL ratio <5.5 and chol <260	Chol/HDL ratio <6.5 and chol <280	Chol/HDL ratio >6.5 and chol >280
Do you participate in hazardous activities?	No		Yes
Do you have any recent motor vehicle driving violations?	1 in past 3 yrs	2 in past 3 yrs		3 in past 3 yrs
Have you had any instances of DUI, reckless driving, or license revoked/suspended within the past 5 years?	No			Yes
Do you participate in private aviation?	No		Yes

* - Tobacco classes depend on current or past tobacco use. See the table below for specific tobacco usage policies for American General Life Insurance Company.
None in last 5 years	You may qualify for		Preferred Plus
None in last 4 years	You may qualify for		Preferred
None in last 3 years	You may qualify for		Preferred
None in last 2 years	You may qualify for		Standard Plus
None in last 1 year	You may qualify for		Standard
Never	You may qualify for		Preferred Plus
Current User	You may qualify for		Preferred Tobacco

Legal Information A two-year contestable and suicide provision applies in most states, and TX. AIG Select-a-Term Policy Form Number 07007; LTG Ultra Policy Form Number LTG-2000AG; LTG Ultra-C Policy Form Number 06004; ROPTerm Policy Form Number 06001. Maximum issue age in WA: 10-yr = 70, 15-yr = 65, 20-yr = 60.

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