American General Critical Illness Plans


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Critical Illness Insurance Brokerage

While the chances of surviving a critical illness such as cancer, heart attack or stroke are greater than ever, living with the condition can create severe financial hardships.

Traditional health insurance plans cover medical expenses, but costs such as insurance deductibles, child care, travel to and from treatment facilities, and short-term home health care must often be paid out-of-pocket by the patient.

While disability insurance policies will replace lost income, they may require a lengthy waiting period to take effect.

AG insurance brokerage designed CriticalCare Plus® supplemental health insurance to help cover the additional expenses associated with a critical illness diagnosis. The benefit is paid directly to you to use as you see fit — regardless of what is covered by your other insurance plans.

Policy Highlights1
  • Pays a tax-free (based on current federal income tax laws) single-payment benefit regardless of what is covered by other sources — up to $500,000 — directly to the policy holder
  • Pays all benefits directly to the policy holder (unless payment is assigned to a healthcare provider), regardless of what is covered by traditional health plans
  • Can cover a broad range of conditions most likely to cause major lifestyle changes, including cancer, heart attack, stroke and kidney failure
  • Can cover the Loss of Independent Living Benefit, which is the inability to perform at least two of six activities of daily living: bathing, dressing, toileting, transferring, continence and eating
  • Can cover spouse and children on the same policy
  • Preventive Care Benefit pays up to $50 a year for a wide variety of medical tests
  • Free membership in Best Doctors® referral service, a network of 40,000 specialists who can provide second opinions on your diagnosis and treatment plans.2 Learn more about Best Doctors (pdf)
  • Return of Premium Feature:1 Premiums paid under this policy may be returned to the policy owner upon death of the insured. The amount refunded will be equal to the total premium paid from the original effective date less any benefits previously paid under the policy.3
  • Issue ages from 18 to 64, 59 for smokers and for the 10-year plan
  • Fully underwritten for amounts over $100,000
  • Non-medical underwriting up to $100,000
  • Five coverage plans available: A lifetime plan and four term plans — 10-year, 15-year, 20-year and 30-year terms — the only critical illness plan on the market with term options
Available Riders1, 4
  • The Benefit Extension Rider5 provides coverage for additional diagnoses of a critical illness and delivers
    benefits beyond that of the base policy for:
    • a critical illness that is different from all previously diagnosed critical illnesses; or
    • a critical illness that is the same as a previously diagnosed critical illness; can provide benefits
      upon a second or third diagnosis
  • The Medical Personnel HIV Rider pays the full benefit to a medical professional upon diagnosis of HIV acquired in the course of work-related duties
  • The Accidental Death and Dismemberment Rider pays an additional lump-sum cash benefit in the event of an accidental dismemberment or loss of life

Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions are covered in every state. Please consult the policy form and outline of coverage for details. Comprehensive medical coverage may be required in some states in order to apply for or maintain this policy.

1 Not all benefits are available in every state. Consult the policy form and outline coverage for state variations.
2 Best Doctors is a registered trademark of Best Doctors, Inc., in the United States and other countries, and it is used under license.
3 The return of premium provision does not directly take into account the time value of money or the effects of inflation. This was taken into account when the premiums were determined.
4 There is an additional premium for each rider selected.
5 The Benefit Extension Rider does not provide coverage for every illness covered by the base policy.

Policy issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, TX 77019

CriticalCare Plus Policy Form Number 05130
Benefit Extension Rider 05137
Medical Personnel HIV Rider 05139
Accidental Death and Dismemberment Rider 05138

The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company. AGL does not solicit business in the state of New York. Policies and riders not available in all states.  


American General Insurance Brokerage Products And Services

AIG Agent Appointment Forms   American General offers a wide range of products and services designed to fit your client.

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annuities
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 AG family of deferred annuities is a comprehensive portfolio of fixed and indexed product designs with features and benefits that enable you to meet the needs of every annuity prospect.

Index Interest Annuities

AG Global Bonus IndexSM (Contract No. 07109)
AG Global 6 IndexSM and AG Global 8 IndexSM (Contract No. 07371)
AG VisionMaximizer® (Contract No. 05490)
AG VisionAdvantage® (Contract  No. 06401)
AG Emerging Edge® (Contract No. 05497)
AG Horizon Index®  Indexed Annuity (Contract  No. 04367)

Fixed Interest Annuities

AG HorizonMYGSM Contract No. 04370
AG HorizonSecure Contract No. 05376
AG HorizonSelect  Contract No. 05377
AG HorizonPlus Contract No. 04362
AG HorizonChoice® Contract No. 03360

Flexible Premium Deferred Annuities (FPDA)

AG HorizonFlex® Contract No. 04371
AG HorizonVMSM Contract No. 03361

For clients who need to convert accumulated wealth to income, consider our single premium immediate annuity which offers highly competitive rates and enhanced income payouts for age-rated clients.

Platinum Income Annuity® Contract No. 01060

Annuity contracts offered are not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is not a deposit or other obligation of, nor is it guaranteed or endorsed by, any bank or depository institution. 

Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility.  AGL does not solicit business in the state of New York. Policies and riders not available in all states.


other plans

AG Insurance Brokerage can help take care of the financial worries resulting from serious illness and accidents. 

  Accident Expense Plus® Policy
   Form No. 07120
  Secure Income PlusSM Policy  
   Form No. 02114
  CriticalCare PlusSM Policy Form
   No. 05130
  DisabilityCare Policy Form No.
   04500 
  CancerCare Plus® Policy Form
   No. 02181,02182 and 02183
  EmergencyCare Plus® Policy
   Form No. 04120

Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility.  AGL does not solicit business in the state of New York. Policies and riders not available in all states.


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Term Life Brokerage
  • AG ROP Select-a-TermSM (Policy Form No. 0601)
  • AG Select-a-TermSM (Policy Form No. 07007)

Universal Life Brokerage

A comprehensive selection of fixed individual and survivor universal life products with innovative features and benefits, including a no-lapse guarantee product with choose-your-own-guarantee flexibility.

ContinUL Extend SM Plus  (Policy Form No. 05337)
Elite ULSM (Policy Form No. 03325) 

A selection of single-life and survivor indexed UL products with interest crediting linked to the performance of a single U.S. stock index.

Elite IndexSM (Policy Form No. 08326)
Elite Survivor IndexSM (Policy Form No. 08327)

And a selection of single-life and survivor indexed UL products with interest crediting linked to the performance of a combination of three global indexes.

Elite Global PlusSM (Policy Form No. 06444)
Elite Global SurvivorSM (Policy Form No. 07444) 
 
Policies issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility.  AGL does not solicit business in the state of New York. Policies and riders not available in all states.

retirement plans
 

American General Life Companies
Address1 Life Profit Center New Business(overnight mail)
Address2 2727A Allen Parkway B-F4
City Houston
State TX
Zip 77019
Phone Number -
Fax Number -
WebPage www.aiglifebrokerage.com
 
 
Annuity Service Center B-F5
2727-A Allen Parkway
Houston, TX 77019-7100

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A Tale Of Two Agents


Captive Agent
 

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.


Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.


















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