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Universal Life Insurance

Getting the right amount of coverage depends on a variety of factors. Use our calculator to help you estimate the range of coverage you need to make sure your loved ones are protected.

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Index universal life

Provides upside potential with downside protection for valuable life insurance protection, supplemental retirement income, tax diversification, or long-term wealth accumulation.
 

Guaranteed universal life

Protection you can count on for your family or your business. Choose your coverage period and premium structure to take advantage of the guaranteed coverage.

Variable universal life

Life insurance that provides permanent protection together with the opportunity to accumulate cash value through various, separate account options.

Other Life Insurance products

Term life

Term life insurance is protection for a set period of time. It may include the option to upgrade to a more permanent solution later on if your life changes.

Guaranteed Issue Whole Life

A simple, affordable life insurance option with no medical exam, no health questions, and acceptance is guaranteed between the ages of 50-80. 

Variable Universal Life

Variable universal life insurance provides permanent protection mixed with the opportunity to accumulate cash value through various, separate account options.

Universal Life Insurance resources

AG 49-A explained

Stay current on NAIC's recently implemented Actuarial Guideline 49-A. Make sure you are appropriately illustrating both upside opportunity and downside risk of index universal life (IUL) products. 

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Look to the future with confidence

Index universal life insurance (IUL) provides valuable life insurance death benefits, in addition to building tax-deferred cash value that can be accessed for supplemental retirement income or other financial needs — without the risks of market volatility.

 

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Quick access to coverage

Easier purchase process and faster issue to get you on the way with the coverage you need. With our non-medical underwriting option on Max Accumulator+ II IUL, you can skip the hassle of medical exams or lab work to get the valuable life insurance protection for you and your loved ones.

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Important Consumer Disclosures Regarding Accelerated Benefit Riders and Frequently Asked Questions

Policies issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Policy Form Numbers: 15442, ICC15-15442, 16760, ICC16-16760, 19646, ICC19-19646, 15442N Rev0518, 16760N Rev0618 and 19646N Rev0120. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. Please refer to your policy.

We are here to help

Contact us today for more information about our affordable, flexible universal life insurance products – and learn how you can customize them to meet your changing needs.

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AIG Life & Retirement consists of four operating segments: Individual Retirement, Group Retirement, Life Insurance and Institutional Markets. It includes the following major U.S. life insurance companies: American General Life Insurance Company; The Variable Annuity Life Insurance Company; and The United States Life Insurance Company in the City of New York.

Life insurance and annuities issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Certain annuities are issued by The Variable Annuity Life Insurance Company (VALIC), Houston, TX.  Issuing companies AGL, US Life and VALIC are responsible for financial obligations of insurance products. AGL does not solicit, issue or deliver policies or contracts in the state of New York. VALIC, AGL and USL, its employees, representatives do not provide tax or legal advice. Products and services may not be available in all states and product features may vary by state.

Securities products are distributed by AIG Capital Services, Inc. (ACS). Member FINRA, 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997.

AIG Retirement Services represents The Variable Annuity Life Insurance Company (VALIC), Houston, TX and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC Retirement Services Company (VRSCO). Securities and investment advisory services offered through VALIC Financial Advisors, Inc. (VFA), member FINRA, SIPC and an SEC-registered investment adviser, 2919 Allen Pkwy, L03-20, Houston, TX 77019-2158.

All companies are members of American International Group, Inc. (AIG).