AIG Sun America wants me to pay them $500+ per year for my Life Insurance policy and charges me $110+ per month for service fees without telling me they are robbing me. Found this out after a whole year had passed. My mother and I have been paying into this policy for over 50 years and have paid well over $25, 000 into it. Cash value dropped over $1, 000 over the past year to less than $4, 000.