When they finally found their dream home, Tom and Paula Marsh couldn’t have been happier, but they neglected to consider their mortgage debt. Four years later, they each purchased a 26-year AIG ROP Select-a-Term^SM policy to cover the time remaining on their 30-year mortgage.

When Tom was killed in an auto accident seven years later, the $500,000 death benefit from his life insurance policy was more than enough to pay off the mortgage. Nothing could have eased the emotional strain of losing Tom, but Paula and her daughter could at least rest assured that their family home was protected. And if Paula survives and maintains her policy to the end of the 26-year period, she will receive a premium refund to supplement her retirement savings.

Get more information about AIG ROP Select-a-Term and other American General Life insurance products.

The cases presented are not actual and are for illustrative purposes only.

AIG ROP Select-a-Term accumulates a cash value that first appears beginning the fifth policy year. At the end of the level term period, the cash value of the inforce policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings and riders and any outstanding loan balance. If your needs change and you surrender the policy, or convert it to our permanent insurance, you will receive the cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.