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Return of Premium Life Insurance from AIG
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AIG- American General
has introduced a new term life
insurance product that provides death benefit protection and a
return of premium feature.
ROPTerm
bridges the gap between low-cost term insurance and
permanent insurance..
ROPTerm
is one of the industry's first term life products to
offer a full return of your premium at the end of the level-premium
term..
ROPTerm
serves a growing niche of people who want the cash values typically
associated with permanent insurance as well as the lower cost of
term insurance protection.
ROPTerm
has guaranteed cash values based on a percentage of
the sum of premiums paid. The cumulative premium paid on the policy
during the level term period, not including substandard and rider
charges, if any, will be paid to the policy-owner at the end of the
level term period if the policy is then in force.
ROPTerm
may be converted to a level-premium, level-death
benefit permanent life insurance plan during the conversion period.
If the policy-owner chooses to convert during the level term period,
any available cash value will be transferred to the new policy.
ROPTerm
product series features level-death benefit term
plans with fully guaranteed level premiums for the first 15, 20 or
30 years, with coverage expiring at age 95.
Four rate bands are available:
$100,000 – $149,999; $150,000
– $249,999; $250,000 – $499,999; and $500,000 and higher.
Available riders include:
waiver of premium and child rider.
A terminal illness endorsement is provided
at no additional
premium on those states where it is approved.
About AIG Life Insurance
AIG American General is a member of American International Group,
Inc. (AIG). AIG is the world's leading U.S.-based international
insurance and financial services organization, the largest
underwriter of commercial and industrial insurance in the United
States, and among the top-ranked U.S. life insurers. Its member
companies write a wide range of general insurance and life insurance
products for commercial, institutional and individual customers
through a variety of distribution channels in approximately 130
countries and jurisdictions throughout the world. AIG's global
businesses also include financial services, retirement savings and
asset management. AIG's financial services businesses include
aircraft leasing, financial products, trading and market making, and
consumer finance. AIG has one of the largest retirement savings
businesses in the United States and is a leader in asset management
for the individual and institutional markets, with specialized
investment management capabilities in equities, fixed income,
alternative investments and real estate. AIG's common stock is
listed on the New York Stock Exchange, as well as the stock
exchanges in London, Paris, Switzerland and Tokyo.
TermLifeAmerica.com-
Lewis Fink is licensed as an insurance agent
offering Life Insurance in the following states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE, District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA, and
Wisconsin - WI.
Not all insurance products from all insurance companies are available in
all states.
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