General - Life Insurance
General - Helping to meet your financial and insurance needs
a competitive advantage in today's insurance marketplace requires
size, financial strength, and the ability to serve and satisfy
customers. American General Life Insurance Company combines
all of these components with sound strategic direction and
a commitment to long-term relationships.
PRIVACY IS IMPORTANT TO AMERICAN GENERAL
American General understands that your privacy is important.
They provide this notice in accordance with applicable state
and federal laws and because you are a current or potential
customer of one of the American General companies. This notice
will help you understand what types of nonpublic personal
information - information about you that is not publicly available
- American General may collect, how they use it and how they
protect your privacy.
American General collect nonpublic personal information to
process and administer their customers' business and to ensure
that they are satisfying their financial needs. American General
have policies and procedures in place to protect nonpublic
personal information about their customers. They do not sell
nonpublic personal information about their customers to third
parties, i.e., companies or individuals that are not affiliated
with American General. American General do not disclose any
nonpublic personal information about their customers to anyone,
except as permitted by law. They do not share or use personally
identifiable health information for marketing purposes. Their
as well as to visitors to their site.
types of nonpublic personal information does American General
American General and its employees, representatives, agents
and selected third parties as authorized by law may collect
nonpublic personal information about their customers and other
visitors to their site including, but not limited to:
sites you visit
number of visits to the American General's site
spent at the site
requested or purchased
provided to American General, such as on applications,
e-mail or other forms
about transactions with American General, their affiliates
or third parties
from others, such as credit reporting agencies, employers
and federal and state agencies
type of nonpublic personal information American General collects
varies according to the products or services provided and
may include, for example: account balances, income, assets,
insurance premiums, credit reports, marital status and payment
General also may collect nonpublic personal health information,
such as medical reports, for certain types of insurance policies
in order to underwrite the policy, administer claims or perform
other insurance or related functions.
General may track information about customers or other visitors
through the use of technical devices such as cookies. Cookies
are placed on users' hard drives and save data about individual
users, such as the user's screen preferences and the pages
of the site viewed by the user. When the user revisits the
site, they may recognize the user by the Internet cookie and
customize the user's experience accordingly. Users may decline
Internet cookies (if any) by using the appropriate feature
of their Web browser software, if available. When a user performs
a search within the site, American General may record information
identifying the user or linking the user to the search performed.
General Life Insurance may also combine information from cookies
with third-party data to link personally identifiable information
about you in third-party data to information about you and
your visit to their site.
A Look at General Life's Products
quality life insurance program is an essential part of a successful
financial plan. American General Life and Accident is committed
to meeting the needs of their more than 4 million customers
across the country. American Life's first and foremost commitment
is personal service to their customers. American Life's products
reflect their commitment to personal service and their effort
at making insurance easier to understand.
Frequently Asked Questions
I need life insurance?
Yes, if you have bills, a car loan, dependents, or a mortgage,
you need life insurance. If you are the primary earner and
your income is necessary to maintain the family household,
your dependents may suffer financially if you die.
kind of life insurance should I have and how much do I need?
The type of insurance you choose and the amount you need depends
upon many factors and should be designed with these needs
Expenses: Enough life insurance on each member of the
family to cover the costs of final expenses. According
to the Source Book of Health Insurance Data the average
cost of a hospital stay is $6,225. Life Insurers Council
research reveals that the average burial cost range is
approximately $3000 to $8000.
Income: A regular monthly income to assure your family
a comfortable standard of living.
A fund to assure your family the security of a home of
Money to provide for your children's education. The average
annual cost for an in-state public college is $11,338
or $45,352 for a four year education. The average annual
cost for an in-state private college is $24,946 or $99,784
for a four year education.
Cash reserves to guarantee a dependable income for life.
are the three basic types of life insurance?
Term Life Insurance
Covers for a term of one or more years, and pays benefits
only if you die in that term.
that time, you pay a monthly, quarterly, semi-annual,
or annual premium in return for a death benefit in the
face amount of the policy.
the end of the term, you can usually renew the policy
for another specified period at a higher premium amount
or purchase a new policy that reflects your changing needs.
Whole life insurance, the most traditional form of "permanent"
insurance, provides permanent protection for your dependents
while building a cash value account.
can be kept for as long as you live and is payable to
a beneficiary at the death of the insured.
face amount (the death benefit) and the premium (the amount
you pay for the policy) are fixed at the time you buy
your policy and stay the same your entire life.
Universal life insurance is a flexible premium life insurance
policy that provides permanent protection for your dependents.
The policyholder may change the death benefit from time to
time and vary the amount or timing of premium payments.
will an American General Life and Accident Insurance agent
do during our meeting?
An American General Life and Accident agent will analyze your
current financial situation, family needs, insurance goals,
occupation information, current insurance, and your future
insurance needs and then help you create a insurance plan.
Their is to help you plan for your financial security with
2727-A Allen Parkway,