AIG Life Insurance Review

AIG Life Insurance policies provide both flexible design options and competitive rates.

Shop and compare AIG life insurance options by filling out the form on your screen.  


AIG Life Insurance Overview

  • Policy options: term, whole life, and universal life 
  • Guaranteed acceptance options for those in poor health
  • Whole life policies grow cash value
  • Moderate ratings from current policyholders 
  • Enrollment up to age 85
  • Super simple applications 

About the Company

American International Group, Inc., also known as AIG, is an American multinational finance company with worldwide operations. They have over 5 million active policyholders and are among the largest companies in the United States.

Although AIG offers a full suite of life insurance products, our independent agency specializes in helping seniors with permanent whole life products. Therefore, the focus of this article is on AIG’s permanent life insurance options.


Permanent Life Insurance Options From AIG

AIG offers two permanent whole life insurance options, Traditional whole life, and guaranteed acceptance life insurance.   

AIG Traditional Whole Life Insurance – provides permanent whole life coverage that lasts as long as you live. There is and standard medical exam, so not everyone will qualify — however, those who do have access to high coverage amounts and competitive rates.

AIG is not very friendly towards individuals with pre-existing medical conditions.

Benefits of AIG whole life insurance

  • Up to $50,00 in coverage
  • No waiting period 
  • Low premium rate
  • Policies grow cash value 

AIG Guaranteed Acceptance Life Insurance – provides permanent whole life coverage without a medical exam or any health questions.  As long as you’re between ages 50 – 85, you cannot be turned down due to your health.  Your acceptance is guaranteed. 

Guaranteed acceptance policies have lower coverage amounts and higher premium rates. Therefore, these policies are a last resort option for individuals who do not qualify for other types of policies. 

AIG is a leading provider of guaranteed acceptance policies. They offer low rates and a simplified application process. 

Benefits of AIG Guaranteed Acceptance Life Insurance  

  • Up to $25,000 in coverage
  • No medical exams or any health questions whatsoever
  • Enrollment up to age 85
  • Living benefits 
  • Policy grows cash value

How Competitive Are Their Rates? 

How do AIG Life Insurance rates compare to top competitors? It depends on which policies you’re looking at.

As mentioned above, AIG offers a full suite of insurance products. Their term and traditional whole life options are great; however, they certainly are not one of the lowest cost providers. If you’re looking for a traditional medical underwritten whole life coverage, we suggest exploring other providers.

On the other hand, AIG guaranteed acceptance life insurance rates are among the lowest on the market. In recent years, AIG has increased their focus on helping individuals in poor health secure quality coverage. They offer one of the best products on the market and some of the lowest premium rates for guaranteed acceptance coverage.

Compare AIG Life Insurance With Top Competitors To Find Your Best Rate 

Although AIG offers low premium rates for guaranteed acceptance life coverage, they may not be your best option. Many factors contribute to the overall cost of your policy.

Your age, health, state of residence, zip code, gender, and desired policy amount contribute to the cost of your policy.

Insurance companies compete with each other by catering to different subgroups. In other words, there is no single best insurance company. Your unique life circumstances

Savvy shoppers will take the time to shop and compare their options to find carriers who treat their life situation most favorable. Our independent agents are here to help you do just that.

We help you shop and compare AIG Life Insurance policies will all the top competitors nationwide. With our help, you’ll save both time and money on your policy

AIG Ratings and Reviews

High financial ratings reflect a company’s investment practices and overall financial stability.  Deciding to purchase a policy from a highly rated provide gives you the confidence that your investment is safe and secure.  

S&P Moody’s Fitch A.M. Best
AIG Senior Debt BBB+ Baa1 BBB+ NR
AIG Non-Life Financial Strength* A+ A2 A A
AIG Life
Financial Strength*
A+ A2 A+ A

As for customer reviews, currently, the company holds an A- rating with the BBB.  ConsumerAffairs has over 200 customer reviews for AIG that you can read for yourself.  

Get Your Free Quote And Compare Your Options

Interested in getting an AIG Life Insurance quote?  Fill out the form on your screen to get started. You’ll instantly see rates from AIG and all their top competitors.  

One of our independent agents will reach out to help you compare your options so you can find your ideal policy. 

Why work with an independent agent?

Individuals who go about the shopping process alone frequently overpay for their coverage, or worse, end up completely uninsured. Savvy shoppers who work with independent agents find better policies and lower premium rates.

 See what we can do for you.  Explore your options today.

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