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merican General has some of the best policies with living benefit riders. AG offers an accelerated death benefit rider free of charge. If you are diagnosed terminally ill, you can receive a portion of your death benefit while you are still alive, which can be used to help pay bills, hospice, or other important matters. American General offers some of the best rates on Guaranteed Universal Life insurance to age 121. This is a fixed premium policy that becomes fully vested at age 121. If you die before age 121 it pays out the full face amount. If you live beyond age 121 then you can cash the policy in for the full face amount. Realistically, it is basically a whole life policy that lasts the rest of your life but with a lower premium. This is a great option for business succession planning such as