Insurance for Estate Planning

We offer affordable insurance for estate planning options and quick life insurance quotes.

Protection You Can Count On

You've worked hard to build up a substantial nest egg to pass on to future generations. Now, you can ensure that your assets will remain intact after estate taxes and other costs are paid - permitting your estate's distribution exactly as you had planned.

Protecting your greatest asset...Peace of Mind.

Federal estate taxes are generally due within nine months of death and could absorb nearly half of your assets before a single dollar goes to your heirs.¹ Using Universal Life Insurance for estate planning may let you plan ahead to help provide funds for taxes and settlement costs. For example, American General Life Insurance Company offers a policy, known as Second to Die, that covers both you and your spouse and the benefits are paid on the second death - when your estate passes to your heirs and estate taxes are generally due.

Questions about insurance for estate planning? Call 800-914-8376 to speak with an agent.

Flexibility for Today and Tomorrow

American General Life insurance for estate planning offers these, and other, benefits:

  • No-Lapse Guarantee - the policy is guaranteed to remain in force regardless of its cash value, as long as the cumulative monthly guarantee premium requirement is met. If the younger insured is under 50 years old at the time of issue, guaranteed coverage will last 50 years; if he or she is 50 or older, the guarantee will last to age 100.
  • Premium Payment Options - You can select a payment plan that fits your financial needs and goals. Pay the guarantee premium for lifetime security, pay less than the guarantee and catch up later, or contribute additional funds to accelerate the growth of your cash values.
  • Flexible Death Benefit - Increase or decrease your death benefit to fit your changing needs.²
  • Zero-Interest Catch Up - You don't necessarily need to pay the monthly guarantee premium from day one. You can start with a lower premium and catch up the unpaid difference at any time - without interest - as long as the policy is in force.

¹Consult with your tax professional to determine the effect of federal estate taxes on your individual situation.

²Increases and decreases are subject to the policy's terms and conditions.

Guarantees are subject to the claims-paying ability of American General Life Insurance Company. Elite Global SurvivorSM, Policy Form #02109, issued by American General Life Insurance Company 2727-A Allen Parkway, Houston, Texas 77019. Policy Form Number 02109. Issuing companies American General Life Insurance Company (AGL) and US Life are responsible for financial obligations of insurance products. AGL does not solicit business in the state of New York. Policies and riders not available in all states.

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