Compare Term vs. Whole Life Insurance
⭐ Product Highlights ⭐
Affordable Coverage ,Time-Specific Protection, Financial Security, Simple to Understand
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- Lower premiums compared to permanent policies.
- Coverage lasts for a set term (e.g., 10, 20, or 30 years). If you outlive your policy, your beneficiaries won't receive any money
- Provides a payout to beneficiaries if you pass away during the term.
- Ideal for those seeking straightforward, temporary coverage.
⭐ Product Highlights ⭐
Lifelong Coverage, Cash Value Growth, Fixed Premiums, Legacy Planning
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- Guaranteed protection for your entire life.
- Builds savings over time that you can borrow against or withdraw.
- Payments remain consistent for the life of the policy.
- Ensures a payout for loved ones regardless of when you pass away.
⭐ Have More Questions? ⭐
Not Sure Which Life Insurance Policy is Right for You? We've Got You Covered!
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- Get a Corebridge policy and have a licensed agent contact you.
- Receive personalized guidance to find the policy that fits your needs.
- Explore both term and whole life options with expert help.
Who Needs Term Life Insurance?
- Young Families: To provide financial protection for dependents during key earning years.
- Homeowners: To cover a mortgage or other significant debts in case of an untimely death.
- Budget-Conscious Individuals: Those who want affordable coverage for a specific period.
- Short-Term Needs: Ideal for people seeking coverage for temporary responsibilities, such as children’s education or income replacement.
Who Needs Whole Life Insurance?
- Long-Term Planners: Those focused on lifelong coverage and leaving a legacy for heirs.
- Estate Planners: To cover estate taxes or ensure a financial inheritance.
- Wealth Builders: Individuals interested in using cash value growth as a financial asset.
- Final Expense Coverage Seekers: People looking for guaranteed funds to cover funeral and other end-of-life costs.
Corebridge Direct Life Insurance
Flexible Options To Suit Your Budget
AIG Direct provides guaranteed acceptance policies for ages 50 to 85, with no need for medical exams or health questions. It also offers term life insurance for terms of 10, 15, and 30 years.
One of AIG Direct's noteworthy policies is the QoL (Quality of Life) Flex Term, which has a built-in Quality of Life rider that can pay out an advance on the death benefit to help cover care, lost income, or cost-of-living expenses in case of a disability or terminal illness. All AIG Direct term policies also offer “full convertibility,” that is, the ability to turn it into a permanent life insurance policy, and is available for critical, chronic, or terminal illnesses.
AIG Direct really stands out for its “select-a-term” product, which gives policyholders greater flexibility in choosing their own term period. Instead of offering coverage in five-year increments, this gives consumers the option of choosing one-year increments between 10 and 30 years for a total of 18 different terms. This not only gives you greater flexibility in coverage, but also can save you money by allowing you to get exactly the coverage you need—no more and no less.
Screenshot AIGDirect.com, 12/29/2020
High Marks for Pre-Existing Conditions
Part of the AIG family, AIG Direct works as an independent agency, selling policies issued by its parent company, but also from other top insurers like Prudential, Gerber, Transamerica, and Lincoln Financial. AIG Direct is a great option for applicants with complicated health histories, as many of its partners are fairly accepting of pre-existing conditions. Additionally, as an agency, it’s able to negotiate with those companies to get consumers lower rates.