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  American General Life Insurance

American General Life Insurance

in Life Insurance from American General

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American General Life Insurance

Unaffiliated

in Life Insurance from American General

Net Recommendation Score -50

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Financial Strength Rating A

American General Life Insurance Review

American General life insurance 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 life insurance 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 life insurance 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 They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.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.

As well as the basic coverage types mentioned above, American General life insurance company also offers the following life insurance policies:

  • Guaranteed Issue Life Insurance - These whole life insurance policies offer a cash death benefit to the beneficiary. All coverage applications are approved regardless of health concerns. The catch is that these life insurance policies usually have lower death benefits and higher than normal premiums.
  • Survivorship Life Insurance - These types of joint universal life insurance policies cover two individuals and pays a death benefit to a beneficiary after both have died.

What is the financial strength rating of American General life insurance?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives American General life insurance 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 insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

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About American General Life Insurance

Availability

  Available in 48 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Feature Breakdown

Financial Strength Rating A
Life Insurance Features High Risk Applicants Accepted
Term Length 10 - 35
Whole / Permanent Life Options
  • Whole Life (Traditional)
  • Variable Life
  • Universal Life
  • Universal (Variable)
  • Universal (Indexed)
Whole Life Age Range Up to 85
Life Insurance Riders
  • Accelerated Death Benefit (Critical or Chronic Illnesses)
  • Accelerated Death Benefit (Terminal Illnesses)
  • Accidental Death or Dismemberment / Double Indemnity
  • Guaranteed Insurability / Renewability
  • Waiver of Premium Due to Illness / Disability

American General Life Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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