AIG/American General - Guaranteed Issue Whole Life Insurance (GIWL)

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Summarized View: AIG/American General Guaranteed Issue Whole Life Insurance (GIWL)

AIG/American General Guaranteed Issue Whole Life Insurance from American General Life Insurance Company (AGL) is designed to help provide secure, budget-based financial protection that you and your family can count on. AIG GIWL provides permanent protection with no medical exam for up to $25,000 in coverage, guaranteed.

Graded Death Benefit for GIWL:

  • Rest assured, that if death occurs by accident, at any time, the full death benefit will be paid.
  • If death occurs during the first two policy years and is not an accidental death, the benefit paid will be 110% of premiums paid to date.
  • In the event of death after two years, the graded death benefit no longer applies and full death benefit is paid.
  • Terminal & Chronic Illness rider inside their policy at very competitive rates.

AIG - American General Insurance Agent Resources




  • Agents should always use the e-app when they can, it expedites processing. Paper applications can be used. AIG only makes the paper applications available to agents when they run a quote through their e-app which can only happen after you have a writing number.
  • Agents should register with their agent ID to the GIWL portal: Guaranteed Issue Whole Life(GIWL) Registration and Sales input - Click here.
  • Applications for new business are pre-populated with agent’s information so agent must be contracted first & login to pull and write applications.
  • Once agent has a writing number, one can immediately go to the GIWL portal and register there to download an application kit if the AIG e-application cannot be used. AIG's E-apps allow you to use an over the phone e-mail signature method if you cannot meet your client in person.
  • All AIG products can be Just-in-Time, with the exception of the GIWL. For JIT - Register and submit via NAAIP's iPipeline at the footer of this page. Talk to us and we will walk you through contracting through our SuranceBay eContracting system.
  • GIWL the writing ID is taking about 3-4 business days on average, sometimes longer after you fill out contracting with our AgentX contracting system. Once they finish processing your ID you will be e-mailed directly by AIG.
  • AIG Sales and Marketing Questions Call: (800)677-3311 - after you are contracted with AIG.

*The information provided is intended for AIG licensed insurance agents only. It is not intended for the purpose of advertising the AIG insurance products to the general public. 03SPG.


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