American General Life Insurance

in Life Insurance from American General

Last Updated: 04/18/2025

Mostly recommended7 total votes

3 users recommend

1 users are unsure

3 users don't recommend

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Highlights

Community Rating

Mostly recommended

Term Life Death Benefit Range

N/A

Term Options

N/A

Financial Strength Rating

A(Verified 04/18/2025)

Number of Reviews

American General Life Insurance Review

American General life insurance Pros & Cons

Pros

Cons

Life policy terms of up to 35 years.
Strong financial rating
Available in 48 states.
Access to multiple life insurance policy types.

American General is a life insurance carrier based in Houston, TX. The company was founded in 1850 and offers life insurance products in 48 states (and Washington, DC).

American General life insurance FAQ

What types of life insurance products does American General offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options American General offers.

Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
Variable Life Insurance - Variable life insurance are types of whole life insurance policies where the entire cash value of the life insurance policy is invested in several accounts. Therefore, the cash value of these whole life insurance policies rises and falls depending on the performance of the investments.
Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
Indexed Universal Life Insurance - These types of universal life insurance policies allows policyholders to place the cash value of the life insurance policy in a fixed account or an equity index account, such as the S&P 500 or the Nasdaq 100.

What is SuperMoney's financial rating of American General?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives American General an A or excellent, which is SuperMoney's second highest available score for life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.