AIG offers its Guaranteed Issue Whole Life Insurance that provides coverage between $5,000 to $25,000 for these purposes. Final expense insurance: Final expense insurance works to provide help family members cover costs associated with funerals and interments.Due to its customizable options and affordability, term life insurance is a popular choice for many customers. Term life insurance: AIG offers affordable rates and flexible term lengths that range from 10 to 30 years, in five year increments.Here are a few types of life insurance plans available with AIG: This isn’t necessarily a dealbreaker - customer complaints aren’t always accurate - but it is something to take into consideration.ĪIG offers a range of life insurance products, including term and whole life policies, as well as multiple riders. That means AIG Direct receives nearly three times the normal amount of complaints about its life insurance policies. AIG has a score of 0.49, which is much better than average.īut there’s a catch: when it comes to AIG Direct’s life insurance products, that score goes up to 2.82. According to the NAIC consumer insurance search tool, a complaint ratio of 1.0 is standard. The National Association of Insurance Commissioners (NAIC) is an independent company that rates insurance providers based on the number of complaints they receive. When compared to other insurance companies, AIG has a higher rate of complaints on its life insurance products. It isn’t the biggest hindrance, but it does slow the process down. With AIG, you’ll have to talk to an insurance agent about your health, age and financial obligations to get your life insurance quote.
Online quotes are helpful when you’re comparing policies and prices between insurance companies.
Cons explained Online quotes aren't availableĪ lot of insurance companies offer fast online quotes, but AIG life insurance quotes take a little longer. It’s faster than term life insurance with an exam, but the coverage won’t be as high and is usually more expensive.
#Aig term life insurance download
All you have to do is apply online, talk to an agent, download statements and get started. What is no-exam life insurance? A no-exam policy lets you buy life insurance without visitng a doctor and skipping all medical tests usually required for the underwriting process. If you apply for a no-exam policy with AIG, you can have your offer right away. While AIG doesn’t offer online quotes, it does provide same-day decisions on its policies with no medical exam, such as Accidental Death and Dismemberment Insurance (AD&D Insurance) and Guaranteed Issue Whole Life Insurance.
If you opt for AIG return of premium life insurance, you’ll get your whole premium returned when you outlive your term. Coverage for a term life policy starts at $100,000. With AIG, you can choose a term between 10 and 35 years. Term life insurance policies generally offer higher coverage than whole life policies and can be adapted with riders.ĪIG term life insurance offers flexible term lengths., which helps you stick to your budget and build a life insurance policy that suits your needs. Term life insurance is a type of life insurance policy that covers a preset term, not the insurance holder’s whole life. Living benefits allow you to access the benefits of your life insurance policy if you need them before you pass away.įor example, if you have AIG’s Quality of Life term insurance or other policies with an added terminal illness rider and you are diagnosed with a terminal illness, you can access your benefits to help pay for your medical care and support your family while you’re sick.
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