American International Group, Inc. (AIG)

GIWL provides permanent protection with no medical exams for up to $25,000 in coverage guaranteed.

• Chronic illness rider include at no additional cost.
• Terminal illness rider provides 50% of death benefit early.
• If death occurs by accident, the full death benefit will be paid at any time.
• If death occurs during the first two years, 110% of premiums will be refunded to the beneficiary.
• If death occurs after first two years, full death benefit will be paid.

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Universal life insurance product that provides 100% of the premiums paid in returned at the end of the policy term as long as death benefit was not paid to a beneficiary. 

 Universal life insurance product that provides 50% of the premiums paid in returned at the end of the 30 year policy term as long as the insured is still alive.  

Decreasing term insurance that offers a different way to help protect your assets. Payment Protector allows monthly income payments made directly to the beneficiary to pay for daily living expenses such as mortgage, utilities, vehicles, food, etc. 

1. Covers the mortgage payment when you do not need the full level death benefit upfront.
2. The death benefit closely follows the loan balance of a traditional home mortgage.
3. Lump sum payment alternative is available as well.

Affordable simplified issue products that make it easier to find peace of mind knowing their family is protected. 

1. Available at higher issue ages.
2. Optional riders provide for a variety of needs.
3. Living benefit rider (critical, chronic, and terminal illness) included at no extra cost.
4. Simplified issue with quick turnaround on clean applications.
5. Accidental death benefit rider automatically included with Term 125 providing an additional 25% coverage for accidental deaths.

Affordable simplified issue product that offers permanent protection but at the cost of a term policy. Select the initial level death benefit period (15, 20, 25, or 30 years). At the end of that period, the death benefit will decrease to an amount equal to 10% of the initial level benefit and remain level for the life of the policy.

This policy adjusts with age. Higher coverage is required during the younger years with less needed during senior years.

This benefit is a cheaper term option which covers accidental deaths. A $1000 death benefit is paid regardless of the cause of death while the full ADB coverage is paid only in the event of an accidental death. 

Minimum issue age - 20 (30 year coverage for ages 20-50)

Maximum issue age - 60 (20 year coverage for ages 51-60)