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With Life Insurance coverage, your children have financial protection in the event of your passing.

What to Expect When You Apply for Life Insurance

Knowing what to expect when you apply for life insurance can help make the process simpler and easier. In just a few minutes, this can help you better understand the process and what you'll need to have on hand when you get started.

Buying life insurance may seem daunting at first, but with a little guidance from us, you can easily find and apply for a life insurance policy that fits your needs. We have knowledgeable, licensed life insurance agents that are always on standby to help guide your decisions.

What information will you need to have on hand for your life insurance interview?

Your salary and outstanding debts
Any current or past medical diagnoses and prescriptions
Information about your beneficiaries
Contact information for your primary care physician

Life Insurance Application Process

Our life insurance application process is easy to follow and will help ensure that you are getting the very best life insurance policy for your needs. Here's a breakdown of what you can expect:

Get a quote. You can request a life insurance quote online or over the phone simply by telling us a little bit about yourself.
Speak with an agent. You'll need to answer questions about your medical history and other factors that may affect your life insurance quote. The call regularly won't last more than 10 minutes, and when it's over, we'll recommend a life insurance policy that fits your needs.
Complete an application. After you choose a life insurance policy, you'll complete a full application that will provide us with needed information to approve your coverage.
Take a medical exam. The life insurance medical exam is used to determine your eligibility and finalize your rate. You can choose the time and place for this exam, and a qualified nurse will come to you. The medical exam is simple and shouldn't take more than 30 minutes.
Underwriting begins. Underwriting is the process in which we review your application and assess your insurance risk. Be patient in this stage; the process may take a few weeks.

What could affect your life insurance premiums?

The length of policy and amount of coverage you need
Your age
Your physical and mental health
Tobacco use
Your driving record
Your travel plans
Your family medical history
High risk activities like skydiving, flying a plane or bungee jumping

Help protect your family with Life Insurance!

Product Form Numbers

Product base plans, provisions, features and riders may not be available in all states and may vary by state

Whole Life

Product	Form #'s	State Applicability
GIWL	Policy Forms: ICC21-20532 Rev0621, 20532, 20532-5 and 20532-10 Rev0621. Rider Numbers: ICC23-23200, ICC15-15200, 15200, 15200-35, 13600-5, 15200-10, ICC23-23201, ICC15-15201, 15201, 15201-5, 15201-10 and 15201-35.	All States
American Elite Whole Life 2 (Conversion product only)	Policy Forms: ICC17-17917, 17917, ICC17-17917N, 17917N. Rider Numbers: ICC23-23601, 13601, ICC23-23601N-B, 13601N-B, 1CC14-14001,14001, ICC17-14001N-B, 14001N-B, ICC22-22995, 22995, ICC23-23995N-B, 23995N-B, ICC14-14012, 14012.	All States, except NY
Single Premium Whole Life (Conversion product only)	Policy Forms: ICC17-17918,17918, ICC17-17918, 17918. Policy Forms: ICC17-17918N, 17918N Rev032.	All States, except NY NY only
American Elite 2 (Conversion product only)	Policy Forms: 17917N-33 Rev0121. Rider Numbers: 13601N, 14001N, 23995N-B.	NY only NY only

Term

Product

Form #'s

State Applicability

SAT

Policy Forms: ICC21-19311 Rev0321, 19311, ICC21-19310 Rev0321, 19310, 19310N-33 Rev0321.

Policy Forms: 19311N-33 Rev0321.

Rider Numbers: ICC14-14012, 14012, ICC23-23601, 13601, 13601N, ICC14-14001, 14001, ICC22-22995, 22995.

Rider Numbers: 14012N, 14001N, 22995N.

All States, except NY

NY only

All States, except NY

NY only

Fixed UL

Product

Form #'s

State Applicability

Secure Lifetime GUL 3

Policy Forms: ICC15-15442, 15442.

Policy Forms: 15442N Rev0518.

Rider Numbers: ICC23-23600, 15600, 13600-5, ICC18-18012, 18012, ICC22-22995, 22995, 15972, 15972N, ICC14-14002, 14002, ICC23-23601, 13601, ICC15-15990, 15990.

Rider Numbers: 17600N, 18012N, 22995N, 14002N, 13601N, 15990N.

All States, except NY

NY only

All States, except NY

NY only

IUL

Product	Form #'s	State Applicability
Max Accumulator+ II	Policy Forms: 19646N Rev0120. Rider Numbers: 17600N, 18012N, 22995N, 13601N, 07620N, 14002N, 15996N, 18004N.	NY only
Max Accumulator+ III	Policy Forms: ICC22-22191, 22191,23191-5. Rider Numbers: ICC23-23600, 15600, 13600-5, ICC18-18012, 18012, ICC22-22995, 22995, 14306, ICC23-23601, 13601, 07620, ICC14-14002, 14002, 15996, 15997, ICC15-15994, 15994, ICCC18-18004, 18004.	All States
Value+ Protector III	Policy Forms: ICC16-16760, 16760. Policy Forms: 16760N Rev0618. Rider Numbers: 17600N, 18012N, 22995N, 13601N, 07620N, 14002N, 15992N, 18004N, 15990N. Rider Numbers: ICC23-23600, 15600, 13600-5, ICC18-18012, 18012, ICC22-22995, 22995, ICC23-23601, 13601, 07620, ICC14-14002, 14002, ICC15-15992, 15992, 15997, ICC18-18004, 18004, ICC15-15990, 15990.	All States, except NY and VT NY only NY only All States, except NY and VT
Protection Extend IUL (Conversion product only)	Policy Forms: 19471, ICC19-19471. Policy Forms: 19471N. Rider Numbers: 16110N, 15990N, 18012N, 22995N, 13601N, 14002N. Rider Numbers: 16110, ICC16-16110, 15990, ICC15-15990, 15997, 18012, ICC18-18012, ICC22-22995, 22995, ICC23-23601, 13601, 14002, ICC14-14002.	All States, except NY and VT NY only NY only All States, except NY and VT

QoL Term

Product

Form #'s

State Applicability

QoL FlexTerm

Policy Forms: ICC21-19311 Rev0321, 19311, ICC21-19310 Rev0321, and 19310.

Rider Numbers: ICC14-14012, 14012, ICC14-14001, 14001, ICC23-23602, 15602, ICC23-23603,15603, ICC23-23604, 15604, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR, ICC22-22995, 22995.

All States

QoL Fixed UL

Product

Form #'s

State Applicability

QoL Guaranteed Plus GUL II

Policy Forms: ICC15-15442 and 15442.

Rider Numbers: ICC23-23600, 15600, ICC18-18012, 18012, ICC22-22995, 22995,15972, WMDR, ICC14-14002, 14002, ICC23-23602, 15602, ICC23-23603,15603, ICC23-23604, AGLA 04CHIR, AGLA-04CRIR, AGLA 04TIR, 15604, ICC15-15990, and 15990.

All States

QoL IUL

Product

Form #'s

State Applicability

QoL Max Accumulator+ III

Policy Forms: ICC22-22191 and 22191.

Rider Numbers: ICC23-23600, 15600, 13600-5, ICC18-18012, 18012, ICC22-22995, 22995, 14306, 07620, ICC14-14002, 14002, 15996, 15997, ICC15-15994, 15994, ICC18-18004, 18004, ICC23-23602, 15602, ICC23-23603,15603, ICC23-23604, 15604, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR.

All States, except NY and VT

QoL Value+ Protector III

Policy Forms: ICC16-16760 and 16760.

Rider Numbers: ICC23-23600, 15600, 13600-5, ICC18-18012, 18012, ICC22-22995, 22995, 07620, ICC14-14002, 14002, ICC15-15992, 15992, 15997, ICC18-18004, 18004, ICC15-15990, 15990, ICC23-23602, 15602, ICC23-23603,15603, ICC23-23604, 15604, AGLA 04CHIR-CA (0514), AGLA 04CRIR, AGLA 04TIR.

All States, except NY and VT

© 2024 Corebridge Direct Insurance Services, Inc. Agency services provided by Corebridge Direct Insurance Services, Inc. (“Corebridge Direct”), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company (“AGL”), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York (“US Life”). All companies above are wholly-owned subsidiaries of Corebridge Financial, Inc. AGL does not solicit, issue, or deliver policies or contracts in the State of New York. Corebridge Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. All prices quoted are non-binding, and the ultimate premium amount for any policy is determined by the underwriting insurance company following application. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax, or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.
ACR3446520

ACR3451761