AIG Direct
Life Insurance Review

Rating: 9.7 / 10 (Excellent)
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AIG Direct-Overview

AIG Direct is a subsidiary of American General Life Insurance Company (AGL) and is an affiliate of The United States Life Insurance Company in the City of New York ("US Life"), NY.  AIG Direct offers life insurance products underwritten by both companies which are members of American International Group ("AIG"). AIG is one of the largest financial organizations in the world, operating in over 100 countries and serving more than 90 million clients. American General Life’s insurance products, offered for purchase through AIG Direct, help individuals, families and businesses safeguard their financial future in the event of death. AIG Companies’ life insurance policies can be used for mortgage payments, to replace lost income, and to cover final expenses to name a few options.

Since 1995, AIG Direct has been helping clients get life insurance plans that suit their budget and providing them with useful financial information tailored to their situation. AIG Direct features excellent one-on-one customer service from life insurance experts and is consistently rated highly in consumer satisfaction surveys. 

Plan Details

AIG Direct offers insurance products from American General Life Insurance Company. Below are selected features of some common policies.

Features of Term Life Insurance Plans offered through AIG Direct

Level term

Annually renewable

Fixed premium available

10, 15, 20, 30 years

Return of premium option

Home mortgage protection

Convertible to permanent

For 20 to 80 years of age

Minimum $100,000 death benefit



Features of Universal Life Insurance offered through AIG Direct

Potential to build cash value

Tax free benefits for loved ones

Replacement of lost income

Flexible benefits and premiums

Accumulate tax deferred cash value

Access to cash values through policy loans and withdrawals

Income protection

Guaranteed cash value

Second to die benefit

Guaranteed death benefits


Other notable American General Life’s policies and riders available through AIG Direct:

Quality of Life Insurance

  • Flexible living benefits
  • Help protect your family and business in times of illness, not just in death

Whole Life Insurance

  • Lifetime protection

Plan Riders

Disability income rider
Terminal illness rider
Select income rider
Accidental death benefit
Child rider
Waiver of premiums
Lifetime death benefit

Financial Ratings

American General Life Insurance Company

Standard and Poor’s

A+ (Strong)

Moody’s Rating

A2 (Good)

A.M. Best FSR

A (Excellent)

Fitch Ratings

A+ (Strong)

For an explanation of the rating system used by each agency see below.

Standard and Poor's
Fitch Ratings
A.M. Best

AIG Life Insurance – Final Thoughts

There are a wide range of life insurance products that offer flexible benefits and premium options available through AIG Direct. The company makes it easier for life insurance shoppers to find a plan designed around their coverage and budget requirements. AIG Direct also offers plan rider options that includes terminal illnesses, accidental death benefits, and waiver of premium. Financial Ratings can be objective indicators of a company’s financial strength and can provide a relative measure to help investors select the best insurer for their needs. 

© 2017 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"), New York, NY, all members of American International Group ("AIG"). Each issuing insurance company is responsible for financial obligations of their respective insurance. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant.






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