AIG Direct

• Traditional Insurance Carrier (expect to speak with agent)
• Offers a suite of life insurance products from reliable carriers
• Term Coverage: Customizable increments from 10 to 30 years
• Death benefit from $100,000 to $2 million
• Policies Offered: Term, Universal, Guaranteed Issue Whole

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 and whole life insurance since 1995. The company, which is headquartered in San Diego, California, holds an A+ rating with the Better Business Bureau.

Policies

AIG Direct offers a variety of flexible and affordable policies, including whole, term, permanent, universal, and quality of life insurance. They even offer guaranteed-issue insurance, which provides coverage for individuals between the ages of 50 and 80 without evidence of insurability requirements.

AIG Direct's term life insurance options range from 10 to 30 years, and they have no maximum payout as long as you can qualify based on their underwriting guidelines. That means you can rest easy knowing that your loved ones will be taken care of in case the worst happens. Plus, AIG Direct's term policies feature a wide array of choices, such as fixed rates, refundable premiums, guaranteed renewability, and the ability to convert the term coverage into a permanent policy.

AIG Direct also offers riders that can further customize your policy, such as a child protection rider, an accidental death benefit rider, a waiver of premium rider, and a disability income rider.

Reputation and Customer Service

 AIG holds average customer ratings on various independent consumer review sites, but keep in mind that these ratings are based on reports from AIG's entire base of 90 million customers, not just those from AIG Direct. It's hard to know exactly how satisfied customers are with AIG Direct's life insurance offerings, but it's a good sign that the company has responded to complaints made to the Better Business Bureau and seems to be making efforts to address those complaints and provide timely resolutions.

Financial Strength

AIG Direct's policies are underwritten by reputable companies like American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life), which both have excellent ratings from A.M. Best, Moody's, Fitch, and Standard & Poors.