Hey everyone we’re Jeanna and Natasha and we work at Quotacy. Quotacy is an independent life insurance broker. This means we have the ability to sell policies from multiple life insurance companies, giving you more options. Today we’re going to give a review of AIG, one of the life insurance companies we work with. AIG is an American headquartered company that has been around since 1919. Overall, AIG excels at competitive pricing and they’re eco-friendly. We love their paperless process from start to finish. Quotacy only works with top-rated life insurance companies which means they are rated A or better and AIG is no exception.
Being A rated or better means the company is financially secure so you don’t have to worry about your policy’s death benefit not being paid. To stand out in the competitive life insurance industry, some companies cater to different health or lifestyle niches. AIG is excellent for applicants with depression and anxiety, foreign nationals and travel, and those with sleep apnea. This means that while some companies may see these particular factors as higher risk than normal AIG is a bit more lenient.
Let’s talk about what we like in regards to AIG’s life insurance policies and buying process. AIG is really flexible with their term length options. Most companies offer the typical 10, 20, and 30 year terms AIG’s Select-a-Term product, however, offers not only 10, 20, and 30 but any term lengths between 15 and 30, and a 35-year term. The smallest amount of term life insurance you can purchase through AIG is $100,000.
And this is pretty standard. Depending on the life insurance product, there will be different policy riders available. Life insurance policy riders are additional benefits you can add on to your policy at the time of purchase. AIG’s Select-a-Term policy offers an accelerated death benefit rider, premium waiver for disability rider, an accidental death benefit rider, and a child rider. Let’s break these down. An accelerated death benefit rider, also known as a terminal illness rider, is included in AIG term policies at no charge. This rider gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in 24 months or less to live. An accidental death benefit rider is available on AIG term policies for an additional cost.
With this rider, your policy’s beneficiary will receive an increased death benefit if you die due to an accident. This rider is a popular add on for applicants who perhaps have dangerous jobs or participate in risky hobbies. A premium waiver for disability rider is available on AIG term policies for an additional cost. With this rider, AIG will waive your premium payments during a period of total disability lasting six consecutive months or more. A child rider is available on AIG term policies for an additional cost. For as little as $50 per year, a child rider provides life insurance coverage on all of your children less than 18 years of age. It also would include any future children you may have or adopt. Options range from $10,000 to $25,000 in coverage per child. If you’re looking for life insurance, AIG is a good option. If you suffer from depression and anxiety, sleep apnea or travel to foreign countries often, then AIG is a great option. When you apply through Quotacy, we’ll review your application to double-check you’ve chosen to apply with a company that will give you the most favorable outcome.
The final choice is of course 100% your decision, we simply aim to be completely transparent and make sure you know all of your options. If you’re interested in any of the riders we mentioned, let your Quotacy agent know after you apply. They can let you know the exact cost of any rider you want to purchase and can add it to your policy during the buying process. Quotacy can help you get life insurance from AIG or any other top-rated life insurance companies we work with. And why should you get life insurance through Quotacy? Our agents are licensed in all 50 states and they work on salary, not commission, so we’ll never try and upsell you. We work for you, not the insurance companies. You won’t pay any extra fees or charges to use our services. Get a free, instant term life insurance quote now from multiple top-rated life insurance companies without giving away any contact information. Thanks for watching. Bye! .
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