American General has some unique benefits included in this policy that offer really nice value to policy-holders.
Return of Premium - If your needs change in future and you no longer need the life insurance coverage (or just need extra cash), you may surrender the policy in year 20 and receive 50% of your premiums back.
In year 25, you have the same option to turn in the coverage but will receive 100% your paid premiums. There is a maximum of 40% of the death benefit but this doesn't apply to most people.
Many insurance companies charge extra for this ROP rider, whether you end up using it or not. AIG gives it to everyone at no cost.
Option to Decrease Death Benefit - Later in life you may decide you don't need as high of a death benefit. AIG allows you to reduce the death benefit and your premiums payment will be lowered as well.
Customize your policy further by adding riders that allow you to take benefits while still living. These riders DO increase your monthly premiums.
Accelerated Access Solution - If you are diagnosed with a chronic illness, this rider allows you to take a portion of the death benefit to help with costs, while still living. The death benefit will be reduced proportionately.
Lifestyle Income Solution - Starting at age 85, use the death benefit as a supplemental income stream. The funds may be used for any purpose. The Remaining death benefit will be reduced proportionately.