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AIG Direct

AIG (American General Life) Lowers Premium Rates On Term Insurance in 2016 Review

AIG (American General Life) Lowers Premium Rates On Term Insurance- Good Option for 2016 In an effort to remain more competitive in 2016, AIG-American General Life lowered the rates on their term life insurance.  AIG had raised their rates in 2012, but to regain market share, lowered them in the first quarter of 2013. How Competitive Is AIG? With the rate reduction, their premiums now rank among the best in the industry for certain segments, especially on coverage amounts of $500,000 and up, and on the 20 and 30-year term. Example: 44-year-old male, premier (preferred plus) health class, $500,0000 is […]

AIG Direct Review

by Scott G on November 12, 2012

Post image for AIG Direct Review

AIG Life Insurance Review American International Group, Inc. (AIG) the multinational insurance company that was famously bailed out by the Federal Reserve in 2008, announced Sunday of further rebranding and use of the AIG name for its core insurance units. The ill-fated decision made by AIG to expand into the credit default swap market caused the company to collapse.  AIG then received a total of $182 billion in bailout funds, making it the largest federal bailout in U.S. history. However, the company is quickly shedding its stigma from the 2008 financial crisis and has returned to profitability.  Fast forward 5 […]

Post image for What does the 4506T-EZ Form Have to do With My Life Insurance Application?

The 4506T-EZ Form and My Life Insurance Application Some life insurance companies are now requiring the 4506T-EZ (Short Form Request for Individual Tax Return Transcript) IRS form to be completed as part of the life insurance application.  One company for instance, is requiring all applicants over the age of 26 complete the 4506T-EZ IRS form, while another company is requiring that the form be completed for applicants applying for certain face amounts and or if you are over a certain age and face amount.  While the implementation of the 4506T-EZ may be a new practice in life insurance underwriting, it […]

Post image for Should You Buy Your Life Insurance at Walmart?

Walmart Life Insurance Review The largest retailer in the world has recently announced they are selling life insurance policies to certain stores in Georgia and South Carolina.  The policies will be handled by MetLife and will consist of one-year prepaid life insurance policies ranging from $10k to $25k depending on age and how much coverage you are seeking. Walmart customers simply purchase a prepaid card at the store and call a toll free number provided by MetLife to activate the life insurance policy. This may be an easy alternative for consumers looking to purchase a small amount of life insurance […]

Post image for Am I Eligible for Life Insurance After a Cerebral or Brain Aneurysm?

Am I Eligible for Life Insurance After a Cerebral or Brain Aneurysm? Yes!  You may be eligible for life insurance after a brain aneurysm if there are no complications or residuals.  I’ve had clients that are healthy but had a brain aneurysm in the past and were approved at a standard rate. A brain or cerebral aneurysm is an abnormal bulge in the wall of an artery in the brain.  The artery balloons out and fills with blood.  The two most common types of treatment include surgical clipping and endovascular coiling. Underwriting factors will likely include: Diagnosis Size of the […]