Aetna health insurance. Permanent Life Insurance, AIG Direct

If you currently hold a term life insurance policy, you may be able to convert that coverage into a permanent life policy. Common reasons for choosing to convert from term to permanent life insurance include: Permanent life insurance.

Permanent insurance has the option to build cash value. Even the best term life insurance policy does not.

The money accrued with permanent insurance is tax deferred. In other words, while the money remains in the policy, you won't pay federal income taxes on it.

Under current tax laws, your loved ones will not pay federal income taxes on any death benefits. (This is also true when you buy term life insurance.)

The life insurance

You can access the cash value of your permanent insurance.

It costs nothing to convert your term life insurance to permanent insurance.

You can often choose to convert all or just part of your term life insurance policy to permanent insurance.

Term life insurance quotation

Some permanent insurance policies will cover you all the way to age 100.

For more information about converting from term to permanent life insurance:

© 2018 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG 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"), New York, NY, all members of American International Group ("AIG"). Each issuing insurance company is responsible for financial obligations of their respective insurance. 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. 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 a professional attorney, tax advisor or accountant.

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