Key Coverage Highlights

  • Vicarious liability coverage for the negligent acts by anyone for whom the insured is legally liable  
  • There is no shared policy limit between independent agents who are named insureds in the program or between BGAs who are named insureds in the program
  • No coverage exclusion for placements with companies rated B+ or better with A.M. Best
  • Defense costs are within the limits of liability
  • Corporate Identity Protection Coverage
  • Crisis Response Coverage
  • Electronic Media Coverage
  • Mediation Deductible Credit
  • Disciplinary Proceedings Coverage
  • Loss of Earnings due to Hearings or Depositions
  • Regulatory Inquiry Coverage

Coverage Options

Basic Coverage - under the policy includes the sale and service of the following – individual and/or group life insurance and accident and health insurance, individual and/or group disability income insurance, long-term care insurance, Medicare Supplemental Insurance and Medicare Advantage plans.

Basic Plus Coverage - is available by endorsement and in addition to Basic Coverage includes the sale and servicing of fixed annuities and indexed annuities.

Comprehensive Coverage - is available by endorsement and in addition to Basic Plus Coverage includes the additional sale and servicing of fixed annuities.  It also includes the sale and servicing of the following financial products: mutual funds registered with the Securities and Exchange Commission and variable life and variable annuity products, but only if such financial products are sold or serviced by an insured who is properly licensed and registered with the Financial Industry Regulatory Authority as a registered representative, registered investment advisor, or investment advisor representative as these terms are defined in the policy.

Also covered are notary public services, expert witness and financial planning related to covered professional services.

Easy Online Account Management

Once insured you can access the “My Account” self-service feature to manage your account online.  It’s easy to:

  • Change passwords
  • View payment history
  • Review coverage history
  • Print proof of coverage
  • Review frequently asked questions (FAQs)
  • And more

Value-added Risk Management Services

As an insured, you’ll have access to a variety of risk management tools and specialized resources including: Help line services, webcasts and consultations with a qualified attorney on a potential claim or circumstance that could lead to a claim.

*Includes premium, taxes and fees.

For policy and coverage details, please see your policy documents. This document is not meant to supplement or replace your policy documents and the terms, conditions and limitations of your policy govern coverage and you are encouraged to consult with a trusted adviser to ensure your individual coverage needs are adequately met.   American General Life Companies is not the issuing insurer for coverage under this program.