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LAST UPDATED: September 18th, 2023

Through AIG, you can find term, universal, and guaranteed issue whole life insurance. The company stands out from others by offering accidental death and dismemberment coverage.

Founded in 1919, AIG is a competitive life insurance company with high financial strength ratings and a competitive selection of policies.

Read AIG Life Insurance Reviews

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The Good

  • High Financial Strength Ratings
  • Competitive Term Life Insurance
  • Range of Permanent Insurance Offerings
  • Accidental Death and Dismemberment Insurance

High Financial Strength Ratings

A high financial strength rating is a must when choosing a life insurance company. AIG has received high financial strength ratings from A.M. Best, which shows it is financially stable and likely to be able to pay claims.

Competitive Term Life Insurance

Through AIG, you can find term life insurance with 18 options for term lengths. Some policies can be converted to a permanent policy later.

You can also find a term policy with living benefits. The living benefits offer an early death benefit payout if the insured has a qualifying chronic, critical, or terminal illness. Other insurers offer a similar feature through an accelerated death benefit rider.

Range of Permanent Insurance Offerings

In addition to competitive term insurance, you can find several permanent life insurance options. You can find indexed, guaranteed, and variable universal life insurance. 

Applicants between ages 50 and 80 can purchase a guaranteed issue whole life insurance. This policy does not require answers to health questions or a medical exam before issuing the policy. Be prepared for potentially higher premium rates. Generally speaking, the less thorough the underwriting, the more expensive the premiums.

You should also review the terms of your policy before making a purchase. For example, the guaranteed issue whole life policy pays the full death benefit in the third year of the policy. The first two years, AIG pays 110 percent of the premiums paid.

Understanding how your policy works will help you understand what kind of coverage you're buying.

Accidental Death and Dismemberment Insurance

AIG stands out for offering accidental death and dismemberment insurance. Although other insurers offer this kind of policy, it isn't a typical offering.


The Bad

  • Insufficient Customer Reviews
  • Limited Online Process
  • Some Variation By Location

Insufficient Customer Reviews

Best Company hasn't received many AIG reviews, so conclusions about the customer experience are limited. However, it's a good sign that a majority of reviews received have been positive.

Reviewers most commonly mention satisfaction with customer service.

Review Icon

Customer Review: Mamacardec

"Excellent customer service and rep had a lot of knowledge about the difference products"

Limited Online Process

You can request a quote for guaranteed whole life or term life insurance online. However, you may need to work directly with a company representative to learn more about policy coverage, pricing, and complete an application.

If you want personal assistance, this approach is excellent. If you're looking for an online experience, you may want to consider another life insurance company.

Some Variation by Location

AIG's policy features and options can vary depending on your location. Keep this factor in mind as you work with AIG to learn more about offerings in your area.


The Bottom Line

AIG is worth exploring further. The insurance carrier has high financial strength ratings, competitive policies, and offers personal assistance to its clients.

If you're interested in a fully online quote and application process, you'll want to consider another company.

However, if you appreciate personal assistance, AIG is a great company to work with.

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