American General Level Term Policy Gets Lower Rates

- Face amounts beginning at $100,000.

- Issue ages and durations that make coverage available into the mid-80s for older clients.

- Convertibility to fixed, index and variable universal life policies

- Convertibility in the first 2 years to AG ROP Select-a-Term, a return of premium contract.

Guarantees are subject to the claims-paying ability of the issuing insurance company, the insurer says.

The policy will be a solution for many family and business needs, predicts Mike Murphy, vice president, marketing.