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.

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

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. 

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.


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.

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.