AIG Direct
Life Insurance Review

Rating: 9.7 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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As part of American International Group, one of the largest multinational insurance organizations in the world, AIG Direct has been a leading provider of term life insurance since 1995. The company, headquartered in San Diego, California, currently services over 5 million customers, holds an A.M. Best rating of A, and an A+ rating with the Better Business Bureau.

How is AIG Direct rated?


Financial Strength
Customer Experience

Overall Rating: 9.7 / 10 (Excellent)

AIG Direct life insurance plans offer tailored coverages customers can adjust as their needs change over time, as well an incredible value through integrated living benefits at no additional cost. Their policies are both varied and flexible, making their suite of products a cut above the rest. The company is currently intent on increasing long-term profit and returning capital to shareholders. All in all, AIG remains among the largest, most trusted, and financially stable multinational insurance corporations in the world, offering quality products and excellent alternatives guaranteed to meet their customers' specific needs.

Financial Strength

Key Details

American General Life Insurance
Marketshare 2016
Premiums Written 2016
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

Financial Strength - 10 / 10

According to rating agency A.M. Best, American International Group currently enjoys a sound financial strength and a stable outlook with an issuer credit rating of A. Both A.M. Best and S&P adjusted AIG's financial-strength rating at the beginning of the year, in light of a modest decline in the company's earnings from life operations and a subsequent charge from a reinsurance agreement effective as of January of 2017.
*The above information reflects the financial strength of the underwriter of the AIG Direct life insurance policies: American General Life Insurance.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 2.09) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 9 / 10

AIG holds average customer ratings on various independent consumer review sites. Some clients have submitted reports to the Better Business Bureau expressing dissatisfaction with AIG's advertising and sales strategies, yet the company appears to be making efforts to address such complaints and provide timely resolutions in compliance with the BBB requirements.

AIG Direct Policies

AIG Direct offers customers the following life insurance policies: Term, Whole Life, Universal Life, Guaranteed Acceptance/ Final Expense. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the AIG Direct Term Life policy.

Term Life Insurance

Maximum Death Benefit
Available Terms
10 year
15 year
20 year
25 year
30 year
35 year

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums

Policies - 10 / 10

AIG Direct offers a variety of flexible and affordable policies including whole, term, universal, and guaranteed issue whole life insurance, which provides coverage for individuals between the ages of 50 and 85 without evidence of insurability requirements. AIG's term life insurance options range from 5 to 35 years, and their products feature a wide array of choices such as fixed rates, refundable premiums, guaranteed renewability, and the ability to convert the purchased coverage into a permanent policy. AIG also has a very high maximum payout at $10,000,000 or more.

Flexibility & Available Riders

Available Riders

  • Critical Illness Rider
  • Accidental Death Benefit

Flexibility - 9.5 / 10

Although AIG only provides critical illness and accidental death benefit riders for term life insurance policies, the company does offer broader options for their universal life insurance product, which features benefit, asset, and business protection alternatives. The company also provides a suite of life insurance policies designed to enhance and protect their customer's quality of life by providing living benefits at no additional charge for individuals suffering from a chronic, critical, or terminal illness.

Additional Company Information

Homepage URL
Company Phone
(858) 309-3000
Headquarters Address
9640 Granite Ridge Dr #200, San Diego, CA, 92123
Year Founded

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Customer Comments & Reviews

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Sarah M
Tabor City, North Carolina
This insurance company is the worst for posting payments on time. They do not have good customer service. They had local agents were easier to deal with but when they closed the local office in FarmVille that was the worst thing that they could have done. My mom has insurance with them and I pay on time each month and they still say that she is 2 to 2 payments behind. I have submitted receipts showing payment submitted and they up date and start the same past due notices again. They need AR persons that know what they are doing. The threats to cancel insurance on an aging person is not a good thing. Open a local office for accepting insurance payments if you are that great.

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