Who Does
AG Select-a-Term Help
Life doesn't always fit into neat little five-year increments that are the standard for most term insurance policies. AG Select-a-Term from American General Life Insurance Company (American General Life) and The United States Life Insurance Company in the City of New York (United States Life) offers you a powerful way to customize your life insurance plans to anticipate known future events such as retirement, paying off a mortgage or funding your children's college education.
With AG Select-a-Term you avoid paying extra, unnecessary costs
by choosing only the term coverage you need: 10- year or 15- through 30-year term periods.
- A choice of 10- year or 15- through 30-year terms of life insurance coverage
- Full convertibility to a permanent life insurance policy of the company's choosing, up to the end of the level-premium period or age 70 of the insured, whichever comes first
- A terminal illness endorsement1 providing the option to accelerate the lesser of $250,000, or 50 percent of your policy death benefit, if the insured is diagnosed by a qualified physician as having 12 months or fewer to live. Not available on the United States Life version of the product.
- Issue Ages: 20 - 702
- Minimum Death Benefit: $100,000
- Endorsement on AG Select-a Term allowing conversion to AG ROP Select-a-TermSM within first two years of coverage (not available in all states)
- Accidental Death Benefit: Pays a death benefit in addition to the death benefit of the base policy if such death resulted from certain accidental injuries
- Waiver of Premium: Automatically waives policy premiums after six months for American General Life or four months for United States Life in the event of the insured's total disability (not available if the face amount of the policy exceeds $5 million)
- Child Rider: Pays a death benefit to the insured parent upon the death of an insured child
- Disability Income Rider: Can pay a monthly benefit up to two years if you are unable to work because of an illness or injury. While you are receiving benefits under this rider, all policy and rider premiums are waived. Not available on The United States Life version of the product.
1 Terminal illness endorsement is automatically included in the policy at no additional premium. State variations apply, and the endorsement is not available in all states. Any amount advanced is subject to a one-time fee and other terms and conditions. See your policy for details.
2 Issue ages may vary by state, term period and by risk classification.
3 See the policy and riders for complete details. There may be a charge for each rider you select. All benefits payable are subject to the terms and conditions of the policy and riders, including benefit durations, limitations and exclusions. Not all benefits, rates and exclusions are covered in every state. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.
Policies issued by:
2727-A Allen Parkway, Houston, TX 77019
AG Select-a-Term Policy Form Number 07007
AG ROP Select-a-Term Policy Form Number 06001
Accidental Death Benefit Rider Form Number 79002
Child Rider Form Number 79410
Terminal Illness Rider Form Number 91401
Waiver of Premium Rider Form Number 79001
Disability Income Rider Form Number 06305
70 Pine Street, New York, NY 10072
AG Select-a-Term Policy Form Number 09007N
AG ROP Select-a-Term Policy Form Number 08701N
Accidental Death Benefit Rider Form Number ADB 79-1E
Child Rider Form Number CI 79-1E
Terminal Illness Rider Form Number 91401
Waiver of Premium Rider Form Number WP 79-1E
The underwriting risks, financial obligations and support functions associated with the products issued by American General Life Insurance Company (American General Life) and The United States Life Insurance Company in the City of New York (United States Life) are the issuing insurer's responsibility. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life and United States Life. United States Life is authorized to conduct insurance business in the state of New York. Policies and riders not available in all states.