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Universal Life Insurance: A Lifetime of Coverage with Financial Advantages

In addition to term life insurance, American General Life Insurance Company (American General Life) also offers life insurance that can cover you for life. It's called Universal Life insurance and it provides both flexibility and financial advantages. Many people who start out with a term life insurance policy upgrade it to universal life insurance because of the advantages.

What makes Universal Life insurance such a good choice?

Generally speaking, universal life insurance is considered an affordable way to secure a lifetime of coverage. Your account earns interest and the policy can be highly flexible.

Once you are insured, you can usually change the coverage amount and the payment. This feature can be particularly appealing to young people starting out or people with changing needs.

Our licensed life insurance agents can answer any questions you may have, at no cost or obligation.

Flexible payments and coverage - plus financial rewards!

Universal Life insurance offers flexible, budget-friendly and financially rewarding benefits.

• Choose a Premium to Suit Your Needs. You can choose to pay a lower or higher premium to suit your budget.
• Flexible Death Benefit: You can increase or decrease your death benefit amount to fit your changing needs.¹
• Accounts Gain Value. Your universal life insurance policy earns interest, so it accumulates value over the years. And, the federal income taxes are deferred, so you aren't paying them annually.²
• Tax-Free Benefits for Loved Ones. Generally speaking, your loved ones won't pay income taxes on the life insurance proceeds they receive.

The universal life insurance plans we offer have been designed to help meet the life insurance needs and financial goals of many clients - including individuals whose focus is on death benefit protection for estate planning, retirement, and asset preservation purposes.

^{1 Subject to the terms and conditions of the policy. Other restrictions may apply.}

^{2 Based on current federal income tax laws. The cash value benefit received is a tax-free return of basis under current tax law. Please consult a qualified tax advisor with questions.}

^{Policy Form #05337, issued by AGL, Houston, TX. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL are its responsibility. AGL does not solicit business in the state of New York. Policies and riders not available in all states.}