American General Life Insurance Company

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American General Agent Contracting

Summarized View:

The American General Life Insurance Company is a consolidated organization that issues insurance products under several affiliate brands, thus allowing the company to diversify and specialize in a wider range of insurance fields. These affiliates include American General Life Companies, Western National, AGLA and SunAmerica.


As of the January 1st 2013, there was a merger of American General Life Insurance Company and six sister companies, in order to provide customers with a consolidated organization which is larger and financially stronger, and able to provide a more diverse range of products.


What is the AG QuickTicket?

American General Agent Contracting
  1. AG Quick Ticket Playbook

Agent Resources

  1. AIG Life Underwriting Guide - 24 pages
  2. Quick Reference Guide
  3. American General/AIG Term Life Mortgage Laddering Brochure
  4. American General/AIG Term Life Consumer Brochure - 6 Pages
  5. American General/AIG Term Life Guide for NY - 6 Pages
  6. American General/AIG Term Life Producer Guide
  7. AIG ROP Term Life Quoter
  8. AIG ROP Term Life - Additional Information
  9. AIG-Producer Guide for ROP Term Life
  10. AIG-Consumer Guide for ROP Term Life
  11. AIG- ROP Term Life Product Highlights
  12. AIG-Producer Guide for Traditional Life Submissions
  13. AIG-Client Guide for Traditional Life Submissions
  14. AIG-Quick Ticket Life Submission #1
  15. AIG-Quick Ticket Life Submission #2
  16. AIG-GUL-70yo-F-500k Illustration
  17. American General/AIG Guaranteed Issue Whole Life Page
  18. Client Preparation Guide

AIG is Our #1 Choice for Super-Competative Term Life Rates - Offering ROP & Laddering for Mortgage Protection

  • Conduct a risk assessment for Traditional Life/New Business: Call: (800)247-8837 to speak with AIG new business, ask for an underwriter after you have all of the information concerning anyone’s health conditions. They will want to know how the conditions are being treated, date of diagnosis, and the outcome of the treatment. AIG will need to know any details you can obtain concerning this or other conditions any client may have as well.
  • AIG Sales and Marketing Questions Call: (800)677-3311 - after you are contracted with AIG.
  • Effective September 17, 2018, Select-a-Term proves again it is no "one-hit wonder" with lower rates in certain issue ages and risk classes. The rate changes will include increases and decreases in certain cells.
  • In addition, we have lowered the monthly modal factor from 8.65% to 8.55%, improving Select-a-Term’s competitive position on a monthly basis.
  • Key Highlights
  • AIG Term Rates are Now Lower
  • All states except New York: Nearly 80% of the premium rates rank in the top two, and 86% rank in the top three.
  • In New York, more than 87% of the premium rates rank in the top two, and 90% rank in the top three.
  • 18 durations, including 10-year and 15 through 30 years and a 35-year term, with renewable coverage until age 95 for older clients.
  • Convertible to the earlier of age 70 or the end of the level term period.
  • Transition Rules
  • New product rates and $100,000 minimum face amount requirements are effective September 17, 2018
  • Applications received in the Home Office before September 17, 2018 will automatically receive the old product rates
  • Applications received in the Home Office starting September 17, 2018 and through October 16, 2018
  • During this transition period, applications received with face amount less than $100,000 will be given the old product and old rate
  • During this transition period, applications received with face amounts of $100,000 or greater will manually be given the product with the lowest rates prior to policy issue
  • Applications received in the Home Office on October 17, 2018 or later will automatically receive the new product rates and must have a minimum face amount of $100,000
  • Reissue requests to new plan will not be honored
  • New applications submitted to replace existing inforce coverage with the new rates will not be honored within 90 days of the existing coverage going inforce
  • AG Quick Ticket Transition Rules
  • New product rates and $100,000 minimum face amount requirements are effective September 17, 2018
  • Applications received in the Home Office before September 17, 2018 will automatically receive the old product rates
  • Applications received in the Home Office starting September 17, 2018 and through October 31, 2018
  • During this transition period, applications received with face amount less than $100,000 will be given the old product and old rate
  • During this transition period, applications received with face amounts of $100,000 or greater will manually be given the product with the lowest rates prior to policy issue
  • Applications received in the Home Office on November 1, 2018 or later will automatically receive the new product rates and must have a minimum face amount of $100,000
  • Reissue requests to new plan will not be honored
  • New applications submitted to replace existing inforce coverage with the new rates will not be honored within 90 days of the existing coverage going inforce
  • American General/AIG Benefits Comprise:

    • Excellent agent commissions
    • Number 1 provider of term life in 2008
    • e-App and AG QuickTicket applications
    • Fixed income and index annuity innovators
    • Accident and health insurance living benefit innovators
    • Custom term life coverage with choice of RoP

    American General/AIG Client Benefits Comprise:*

    • Outstanding, responsive customer service
    • Flexible underwriting
    • Products for all ages
    • More value placed in people
    • Committed to their promises
    • Services based around customer requirements

    Detailed Product Overview:

    Thanks to the flexibility and scope of their product range, American General Life Companies has given over $38 billion payouts in benefits and claims, having served 13 million customers in the 160+ years since they were established. Their plans offer better control of finances with guaranteed returns and a popular range of annuity products.


    Within the state of New York, policies are guaranteed by The United States Life Insurance Company in the City of New York (US Life), and all other states are guaranteed by the American General Life Insurance Company.


    In 2012, MarketTools, Inc., gave American General the award for Achievement in Customer Service from CustomerSat. This was in recognition of the excellent methods employed by the company to achieve satisfaction from their clients, including their customer feedback processes and successful customer loyalty achieved.

     

    The company is also recognized by all top ratings providers, including a Standard and Poor's rating of A+.

    American General Videos that Help You Sell

    American General Life and Accident Insurance Company »

     

     

     

    American General Life Insurance - "Intersection" »

     

     

     

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

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