What American General Life (Corebridge) offers
American General Life, now aligned under Corebridge Financial and AIG, sells consumer-friendly term life plus permanent options including whole life, guaranteed universal life (GUL), and indexed universal life (IUL). Term emphasizes fixed monthly rates, multiple term lengths, and guaranteed death benefits for straightforward protection. Permanent lines add lifetime coverage, cash value potential, and optional riders; policy availability and forms vary by state (including distinct New York forms). The site highlights simple quoting, reasons to review coverage after life events, and robust customer self‑service.
Term life essentials
Term provides affordable, level premiums over 10–30 years, designed to cover needs like mortgage, tuition, and income replacement. Online quotes and phone‑based enrollment are supported directly through Corebridge’s consumer channel.
Permanent life options
American General offers whole life (lifetime, level premiums, cash value), UL/GUL (flexible premiums with guarantees), and IUL (indexed crediting with downside protection floors), plus conversion products and riders published by form numbers and state applicability.
Why this benefits insurance agents
American General pairs recognizable brand backing with practical sales infrastructure:
- Direct quoting & eService: Consumer funnels and policy‑management portals reduce servicing friction and support cross‑sell and retention.
- Broad portfolio: Term for price‑sensitive buyers; GUL for guaranteed lifetime protection; IUL for cash‑value accumulation with indexing—covering diverse suitability profiles.
- State‑ready compliance: Published policy and rider forms by state simplify pre‑sale checks and back‑office processing.
Why this benefits customers
Customers can match coverage duration and budget with fixed‑rate term or choose lifetime protection with potential cash value via whole life/UL/IUL. Self‑service tools make it easy to pay premiums, change beneficiaries, and view policies, while guidance to review coverage after major life changes supports long‑term fit.
Key considerations
- Availability varies by state: Forms and riders differ; verify before quoting or submitting.
- Term vs permanent trade‑offs: Term is affordable but expires and has no cash value; permanent adds cash value and lifetime protection at higher premiums.
- Service and strength: Use the eService portal for updates and rely on Corebridge/AIG’s standing for durability and claims‑paying resources.
Explore American General Life
- Consumer term overview and quotes: American General Life Insurance | American General Term Life ↗.
- Policy management and eService: Life Insurance Policy Management ↗.
- Company background: About AmericanGeneralTermLife.com ↗.