A. AIG's QoL Flex term life product is very unique as it includes 3 free living benefits riders, which are very rare among today's term life products, see detailed description below -
https://www.aigdirect.com/insurance-products/quality-of-life#fv
For foreigners who are neither U.S. citizen nor green card holders, especially for Chinese and Fillipinos, here is a good news - previously the best underwriting class you could get is Standard Plus, but now you could qualify for AIG's Preferred class!
It's not Preferred Best class, but once you get your greencard or becomes a U.S. citizen, you can always request a re-evaluation for possible adjustment to the best class, assume your health condition doesn't change.
For detailed AIG underwriting guideline, especially for Chinese and Fillipinos, see the file below.