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Underwriting Quick Reference Guide - AIG

Underwriting Quick Reference GuidePolicies issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life). The programs and improvements described in this communication are considerably more complex than the highlights noted here. Any questions about the specific application of these programs should be directed to your Underwriting FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC Advantage: Our Table Ratings Are Less ExpensiveMost carriers base table ratings on their standard rates. At American General Life Insurance Company (American General), our table ratings are added to our Special Class (tobacco or non-tobacco) rates that are less than our standard rates. The result? Our rated premiums are often significantly better than the premiums, not Underwriting Retention and Automatic Binding CapacityAmerican General is among the industry leaders with permanent plan retention of $10 million through age 70.

Underwriting Quick Reference Guide Policies issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life).

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