AIG Return of Premium Term Life Insurance

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.

	Return of Premium Life Insurance from AIG HERE!
	Return Of Premiun Level Term Product Features HERE!
	AIG Term Products Overview HERE!
	Return Of Premium Life Insurance from AIG and Key Employees

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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