Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 25, 2021

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Company Details
President: Peter Zaffino
Address: 175 Water Street, 15th Floor
City: New York
State: NY
ZIP Code: 10038
Phone Number: No Phone Number Known
Toll Free: ((800)) 225-5244
Year Founded: 1919
Market Cap: 40.29B
AM Best Rating: A
Company Rating 0 (0 reviews)

Quality life insurance is one of the most important purchases adults can make in their lifetime. Unfortunately, there is no telling when we will need the financial benefits of life insurance. However, you don’t want your family and loved ones to be unprepared.

From life insurance to travel insurance, the AIG insurance company offers plans and rates that can accommodate nearly any budget.

If haven’t yet decided on AIG and you’d like to see what other companies in your area have for insurance options, enter your ZIP code into our free quote comparison tool above.

What types of insurance products does AIG offer?

Let’s break down the different types of affordable AIG insurance products and what they do.

AIG Life Insurance

First, we have term life insurance. Term life insurance is designed to offer you coverage for anywhere between 10 and 30 years and can be an excellent option for those more concerned with coverage for a specific period of their life.

AIG’s term life insurance has 18 different term options, which makes it easy to choose how long you want coverage. The policy is also convertible to a permanent life insurance policy.

Next, we have permanent life insurance, which stays active as long as you keep up on your premiums. Universal life insurance and whole life insurance both fall under this umbrella.

AIG offers index universal life insurance, guaranteed acceptance universal life insurance, and variable universal life insurance.

An index universal life insurance policy will accumulate cash value based on the value of an index, while a variable universal life insurance policy will accumulate cash value based on your chosen investments.

A guaranteed acceptance policy will generally be more expensive but may be a good option for those with health issues who have a hard time finding life insurance.

Whole life insurance is permanent life insurance that gains cash value based on your premiums. AIG’s whole life insurance offers guaranteed acceptance for those between 50 and 80, with death benefits between $5,000 and $25,000.

AIG Accident and Health Insurance

AIG’s accident and health insurance policies are designed to cover things specific to providing for your beneficiaries in the case of your unexpected death or life-altering accident-based injury. These plans are meant to supplement other forms of health insurance.

Accident insurance from AIG provides cash benefits when an accident occurs. Its accident and sickness insurance provides cash benefits in the event of an accident or illness. Lastly, its accidental death insurance provides benefits in the event of death and certain semi-permanent or permanent injuries.

AIG Travel Insurance

AIG also offers travel insurance. Traveling is expensive, and the last thing you want to do is save up for a big trip and end up losing all the money when your plans change. Travel insurance may be important for big trips.

AIG offers all sorts of different travel plans to cover everything from frequent fliers to the once-in-a-lifetime trip. You can get help with canceled flights, lost belongings, and health emergencies all over the world.

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How much does AIG insurance cost?

Many factors go into calculating your AIG insurance rates, including your age, health, and the type of policy you are interested in, so we cannot give you an exact number. Instead, here are some of the sample term life insurance rates to give you an idea of what you might pay:

Average Monthly Term Life Insurance Rates for Non-Smokers by Age – $100,000 / 10-Year Term
Non-Smoker Age & GenderPrudentialLincoln NationalMassMutualAegon/
John HancockState FarmMinnesota Life
25-Year-Old Female$12.25$9.46$8.36$9.89$8.78$12.44$7.04
25-Year-Old Male$13.83$9.46$9.23$11.27$9.64$14.27$7.37
30-Year-Old Female$12.25$9.46$8.53$9.72$8.78$13.14$7.04
30-Year-Old Male$13.92$9.46$9.23$10.06$9.64$14.70$7.37
35-Year-Old Female$12.25$9.56$8.88$10.66$8.78$14.44$7.15
35-Year-Old Male$13.92$9.56$9.31$11.09$9.64$15.23$7.48
40-Year-Old Female$13.30$9.94$10.10$12.47$9.45$15.49$8.14
40-Year-Old Male$15.67$10.61$10.53$13.33$10.63$16.36$8.25
45-Year-Old Female$16.28$12.69$11.58$14.02$11.54$20.71$10.01
45-Year-Old Male$17.68$14.53$12.97$15.65$13.10$20.79$11.00
50-Year-Old Female$21.27$15.95$14.62$17.46$14.80$23.49$12.65
50-Year-Old Male$21.88$20.74$16.97$20.21$15.81$26.54$14.74
55-Year-Old Female$23.80$21.50$20.28$25.89$19.58$29.67N/A
55-Year-Old Male$28.18$27.66$24.10$30.10$22.44$34.45N/A
60-Year-Old Female$29.49$29.84$28.19$36.98$27.30$40.98N/A
60-Year-Old Male$37.72$39.03$35.50$42.66$35.15$51.50N/A
65-Year-Old Female$41.13N/A$42.64$59.94$37.74$59.51N/A
65-Year-Old Male$58.45N/A$61.68$71.29$55.74$83.09N/A
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AIG’s rates may differ from these averages since insurance companies have different underwriting guidelines. The best way to know what your rates will be is to get a quote from AIG or speak with an insurance agent.

What are AIG’s industry ratings?

AIG insurance has an A+ rating with the Better Business Bureau, which is the highest rating on the organization’s scale.

AIG also has a strong A rating with A.M. Best, qualifying them for the “Excellent” category. This means that AIG is financially stable expected to meet its financial obligations, such as paying claims.

AIG has a complaint index score from the National Association of Insurance Commissioners (NAIC) of 0.63, which is lower than the national average of 1.00. This means that they get fewer complaints than other companies of a similar size.

These scores show that AIG is providing products and services that live up to the expectations of the insurance industry and customers.

How can I get a quote or file a claim?

Getting AIG insurance quotes is easy. You can request a quote from AIG on the company’s website. You will need to provide some basic information about yourself and how AIG can contact you.

You can file some AIG claims entirely online, while others may require the company to send you further instructions and return documentation.

To file a life insurance claim, you can begin by filling out the online claims form or entering your policy number to be given a phone number to call.

Depending on the value of the death benefit, you may either go through expedited processing, or you may need to complete and return a full claims packet.

To file a travel insurance claim, you can fill out the online claims form or call (800) 826-5248.

To file an accident and health insurance claim, you can either fill out the online claims form or download the forms and mail them to AIG Personal Accident Claims Department, PO Box 25987, Shawnee Mission, KS 66225.

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How can I contact AIG?

You can call AIG regarding general information at (800) 225-5244 or email them at [email protected]

AIG also has multiple ways to contact them online. Using your AIG life insurance login, you can send messages, file claims, and ask questions all through the website. You can also do things like change your address and check your policy details.

Travel insurance customers can call (800) 826-1300. For travel emergencies within the US, you can call (855) 203-5962. For travel emergencies outside the US, call (715) 345-0505.

Should I buy AIG insurance?

There are so many factors that go into choosing the right insurance plan for your personal needs. AIG insurance rates, policy options, and ratings are all things we think are essential to consider when you’re getting ready to buy life or travel insurance.

AIG has some basic life insurance options and policies that are more easily tailored to your financial needs. Its travel insurance may be a good investment for large trips. AIG also has good industry ratings, which indicates that it is a reliable company.

We hope this review helped you decide whether or not AIG is the right choice for you. If you’d like to research other insurance companies in your area, enter your ZIP code into our free quote comparison tool below.

AIG Insurance Review [2021] Additional Information


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