Hey it’s Chris Huntley and this is my official American General Life Insurance review!
I’m here to fill you in on the dark side of American General Life Insurance.
YES…of course they’re an awesome life insurer with a great reputation, but I am going to show you why they may NOT be for you!
Let’s take a deep dive to see how they stack up against their competitors.
I’m gonna reveal some little known insider information about American General Life Insurance underwriting that will show you when they are NOT a fit.
American General LIFE INSURANCE REVIEW: RATINGS, SAMPLE QUOTES, & SAVINGS GUIDE
Hey don't get me wrong ladies and gentleman, American General life insurance is a fantastic company!
Yep, you heard me right - and this may sound a little strange after my introduction - BUT American General has a strong financial foundation as we will show you below and:
- they've got 160 Years of experience in the life insurance arena
- some of the most reasonable rates
- we've sold hundred of their policies and know the ins and outs of their underwriting
- they have some amazing underwriting niches!
That's GREAT - so American General is the company for me!
"99 times out of 100, the company with the best deal for you is NOT the one with the lowest quote, but the company who approves you at the best health rating."
In a nutshell, this means that American General may be the right insurer for you - OR there may be a better fit for your particular circumstances.
The secret to getting the lowest rates is working with an independent agency, such as Huntley Wealth. We will find the best life insurance company for your particular needs - which means you will enjoy the cheapest premiums possible!
Is American General the Right Fit for YOU
AMERICAN GENERAL EXCELS AT:
- Select a Term
- Certain heart issues
- Sleep apnea
- Medical & recreational marijuana use
- Living benefits riders
WHERE AMERICAN GENERAL IS USUALLY NOT THE BEST:
- If you have incomplete tests and procedures
- Drug & Alcohol Treatment (past 24 months)
- Multiple DUI's (past 5 years)
- Mental disorders
- Gastric bypass
- Military deployment in specific regions
- Recent bankruptcy (less than 2 years)
- Smoking (other than cigars & marijuana)
Looking for some quick answers?
Check out these links to save some time:
- American General Life Insurance Ratings
- Sample Quotes and Comparisons
- American General's Underwriting Strengths & Weaknesses
- American General vs. Banner vs. Protective
- Types of policies American General Offers
American General Financial Ratings: Top of the Pack
What American General Life insurance review would be complete without taking a look at their ratings?
Please always remember name recognition and financial ratings aren’t necessarily synonymous.
Before you decide to make a long term investment with any company, you need to know if they’re financially stable.
Why do you care?
Well I will tell you why! If they aren’t, they may not be able to make good on your beneficiaries claim when you die.
The good news is EVERY life insurer is assessed by financial rating companies.
This means with a little homework you can easily ascertain the financial integrity of the institution you are considering purchasing a policy from.
Before you sign on the dotted line make sure the life insurance company you select is at the top of the heap.
Will Your Insurer Be Able to Pay Out When the Time Comes?
Each company is graded according to the strength of how it manages its assets. This will give you some idea of how the insurer is managed and if they will be able to maintain their financial stability for the immediate future.
The concept of using rating agencies to assess the level of risk associated with a debt arose around the beginning of the 20th century when three major credit rating agencies were formed. Although additional rating agencies were formed in subsequent years, the original rating agencies – Fitch, Moody’s, and Standard and Poor’s – are the most prominent. History of Credit Rating Agencies and How They Work, Kalen Smith, Money Crashers
NOTE: You may be aware that American General has gone through some difficult financial times. In 2008 they had a liquidity crisis and received a bailout from the government to the tune of $180 billion! NOW that seems like a warning. Thankfully they paid back their loans and are on terrific financial footing. No worries here!
FIND OUT IN 2 MINUTES IF WE CAN BEAT AMERICAN GENERAL'S RATE
At Huntley Wealth, we treat every customer like they're family. Our agents have NO sales quotas, so we're able to spend all the time necessary with every client.... there's no hurrying off to the next call with our agents.
American General Quotes - What's It Gonna Cost?
Are you shopping for affordable rates? If so this American General Life Insurance review will help you wade through the mountains of information available on the internet!
Huntley Wealth is your one stop shop!
AIG may or may not be the right fit for you.
You personal medical history will determine which life insurance company you should pick.
Sure American General is a fantastic insurer, but there may be another company that suits your unique needs better.
We have access to over 40 of the best life insurance companies in the industry and will find you the lowest possible rates.
Call Huntley Wealth right now at 877 – 443 – 9467 we can help!
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