The American General Health Insurance Company review includes an overview of the American General Life Companies. The American General Life Companies provide life insurance products to more 13 million customers.
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In the past five years, the American General Life Companies have paid more than $34 billion in benefits and claims to its businesses and policyholders. For over 160 years, the American General Life Companies have been a quality life insurance provider.
American General Life Companies and Locations
The American General Life Companies are a part of the American International Group, Inc. Subsidiaries of the American International Group, Inc. include:
- American General Life Insurance Company of Delaware
- American General Assurance Company
- American General Indemnity Company
- American General Life and Accident Insurance Company
- American General Life Insurance Company
- American International Life Assurance Company of New York
- United States Life Insurance Company in the City of New York.
The American General Life Companies are located throughout the East Coast of the United States with fewer locations in Texas, the Midwest United States, California, the Pacific Northwest, and one location in the Philippines.
The American General Life Insurance Company is located at:
P. O. Box 4373
Houston, Texas 77210
The United States Life Insurance Company in the City of New York is located at:
One World Financial Center
200 Liberty Street
New York, New York 10281
The American General Life Insurance Company of Delaware is located at:
P. O. Box 64036
St. Paul, Minnesota 55164
The administrative address for the American General Life Companies is:
Mail Stop 6-G2
P. O. Box 4373
Houston, Texas 77210
American General Life Companies’ Products for Individuals
The American General Life Companies offers a wide range of products for individuals and businesses. For individuals, the American General Life Companies offers annuities, individual health insurance, life insurance, and long-term care insurance.
The American General Life Companies offers two types of annuities. These two types of annuities are deferred annuities and immediate income annuities. Deferred annuities are named this because they are tax deferred. There are two types of deferred annuities, traditional fixed deferred annuities and fixed index deferred annuities. An immediate income annuity is also known as a payout annuity. A payout annuity requires just one premium payment, which you can defer up to one year.
The American General Life Companies offer four different individual health insurance policies. These four policies are:
- Accident Expense Plus
- Critical Care Plus
- Emergency Care Plus
- Secure Income Plus
Accident Expense Plus combines accidental injury insurance and critical illness insurance. This policy covers:
- Emergency room costs
- Physical therapy
- Ambulance costs
- and much more
The Critical Care Plus health insurance program is for those living with a critical illness. Some critical illnesses include cancer, stroke, or heart attack. The costs of a critical illness are not limited to just the medical costs, but also the costs of travel to treatments, child care, lost income, and multiple insurance deductibles. This policy pays out directly to the policyholder up to $500,000.
The Emergency Care Plus health insurance policy pays when the covered individuals are injured in a covered accident. The policyholder can choose a plan that covers only when they are not working or a 24-hour protection plan. This policy helps pay the costs of costly procedures like diagnostic exams and continued physical therapy.
The Secure Income Plus plan is a health insurance policy to help those that have become disabled and are no longer able to work. This policy pays a monthly benefit. If the policyholder continues to pay the insurance premiums until they are 65, they will receive a full refund on all the premiums they had paid until that point.
American General Life Companies’ Products for Businesses
The American General Life Companies offers two programs of solutions for businesses. These two programs are Affinity Benefit Solutions and Employee Benefit Solutions. The Affinity Benefit Solutions is a program that provides benefits and insurance products to affinity groups and associations. The Employee Benefit Solutions program provides employee benefits for small and large businesses. Some of these employee benefits include health insurance, dental coverage, vision coverage, and income replacement coverage.