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American General Life Has Been Insuring People For 160 years

By Mike Heuer

Whether looking for term life insurance or one of the many varieties of whole life insurance plans that are sold by most insurers, the American General Life Insurance Company has been in business for 160 years and ranks among the top life insurance companies in the United States.

The firm provides coverage for 13 million clients, including individuals, families, businesses and other parties. It has several subsidiary companies, including American General Life, The Unite States Life Insurance Co. in the City of New York, which also goes by U.S. Life, AGLA, SunAmerica and Western National. In 2012, the firms all formerly merged under a single unit known as the American General Life Companies.

AGLA primarily serves middle market consumers and small businesses across the United States. SunAmerica specializes in retirement vehicles and insurance products, including variable annuities and whole life insurance products. And Western National specializes in fixed annuities and immediate annuity products, giving the American General Life Insurance Companies a broad range of options for consumers and businesses.

When it comes to term life, nearly all of the subsidiary firms provide various term life plans, which have level premiums for standard policies and can include term life products with decreasing premiums, annual renewable term life and possibly even return of premium term life products. Term life insurance was the first kind of life insurance ever underwritten centuries ago and is the purest form of life insurance in that it is in effect for a set number of years and then expires without growing cash value like a whole life insurance product would. Because term policies cost much less than their whole life counterparts, many investment experts advise buying term life insurance to protect financial obligations and invest the money saved in high-yield products, such as mutual funds and other investments.

Term policies almost always expire before the named insured dies, making it highly affordable for consumers to buy and a very low business risk for the insurers underwriting the policies. While this site is not owned by an insurance company and does not underwrite or sell insurance of any sort, it is possible to get multiple estimates on term life and other types of life insurance products to find the best possible deal from insurers licensed and approved by respective state insurance departments and officials. There are no assurances an estimate will be provided by American General or one of its subsidiaries. And people looking for specific estimates from the insurer or its subsidiaries should visit the firm’s website and request a rate quote on the types of insurance products they want.

But when looking for the best deal on term life products and other kinds of insurance, this site and its free, 100 percent secure online quote tool is the best way to find the best deal on life insurance products that will protect them and their families while ensuring a financial legacy will be left for heirs or there will be ample funds available for retirement years.