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Our extensive portfolio of life and accidental death and dismemberment (AD&D) products lets your clients offer employees a broad range of options to help protect themselves and their families—now and for years to come.



Group Term Life Insurance

Term life insurance is one of the easiest ways for employers to help employees protect their families from the financial challenges that the death of a loved one can bring about. Offered on both employer-funded and employee-paid platforms, Group Term Life insurance can help employees build a more secure future.

  • Flexible plan designs that meet both employer and employee needs
  • High coverage amounts—up to $500,000 available (based on plan and group size)
  • Dependent spouse and child(ren) coverage available
  • Enhanced accelerated death benefits include terminal illness, cognitive impairment, or the inability to perform one (or more) Activities of Daily Living (ADL)
  • Seamless waiver of life premium claim workflow (life and disability clients)
  • Convertible to permanent life coverage


Group Supplemental Life Insurance

Employees who choose to enhance their employer-funded term life coverage can easily safeguard their loved ones' financial future with Group Supplemental Life insurance.

  • No-hassle premium payment through the convenience of payroll deduction
  • Based on size, groups may be eligible for up to $150,000 of guarantee issue coverage with no participation requirements
  • Dependent spouse and child(ren) coverage available
  • Enhanced accelerated death benefits include terminal illness, cognitive impairment, or the inability to perform one (or more) Activities of Daily Living (ADL)
  • Premiums waived if insured is unable to work due to disability
  • Coverage is portable for groups with 10-plus employees


Group AD&D Insurance

Accidental death and dismemberment (AD&D) insurance provides around-the-clock coverage for employees in the event of death, severe injuries or paralysis resulting from accidents both on and off the job. Available on both employer-funded and employee-paid platforms, AD&D insurance is an economical means of preparing for this possibility—and an easy way to add value to an employee benefits package.

  • Enhances employer-funded and/or employee-paid life coverage
  • Offers employees additional insurance protection in the event of an accident
  • Covers death or injuries on or off the job, 24 hours a day, 7 days a week
  • Additional benefit for using seatbelts and having approved factory-installed airbags
  • For loss of a hand, foot or sight due to an accidental injury, a percentage of the full benefit will be paid
  • Loss due to exposure and disappearance coverage


Group Supplemental AD&D Insurance

An accidental death can bring about additional financial challenges for those left behind. With Group Supplemental AD&D insurance, employees have the option to enhance their employer-sponsored AD&D benefit and add an extra layer of protection for their families at an economical cost.

  • No-hassle premium payment through the convenience of payroll deduction
  • Offers employees more solid insurance protection in the event of an accident
  • If a covered employee's death is caused by an accident, the beneficiary receives the accidental death and dismemberment benefit in addition to any life insurance benefits
  • Covers death or injuries on or off the job, 24 hours a day, 7 days a week
  • Additional benefit for using seatbelts and having approved factory-installed airbags
  • For loss of a hand, foot or sight due to an accidental injury, a percentage of the full benefit will be paid


Personal Term Life Insurance

Term life insurance is one of the most versatile benefit solutions an employer can offer, and Personal Term Life insurance from American General Life Insurance Company (American General Life) offers more of the features employees need to build a solid future for their families. For 10, 15 or 20 years, Personal Term Life provides solid life coverage to protect a mortgage, safeguard college savings, or simply ensure that a family's way of life can continue should an income earner pass away.

  • Up to $150,000 in solid protection for 10, 15 or 20 years
  • Spouse coverage up to $50,000 or equivalent of base coverage, whichever is less
  • Child coverage up to $10,000 with rider
  • Income-tax-free death benefit, according to current federal tax laws
  • Convenience of payroll deduction
  • Can be converted to permanent life coverage
  • Policy stays in force even if the employee retires or changes jobs


Personal Universal Life Insurance

Life insurance is one of the most important ways to protect your family's financial security. Personal Universal Life Insurance can add permanent protection that includes an array of flexible options.

  • Easy to Apply: In most cases eligibility is established by answering between one and three questions.
  • Portability: This protection moves with the employee through his or her working years and into retirement.
  • Hassle-free Payments: Premiums paid through payroll deductions.
  • Tax-Deferred Accumulation: Under current tax laws, the policy's cash value accumulates on a tax-deferred basis.



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