AIG

4.5/5 stars
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For over 100 years, AIG has been helping American families protect themselves and their financial future. AIG Direct’s mission is to equip its customers with valuable, in-depth, and personalized information aimed at helping its customers make educated and informed decisions when securing a life insurance policy. AIG connects its customers with insurance policies that meets the coverage needs and budgets of the individual client. AIG focuses on keeping the process simple, giving customers the opportunity to work directly with friendly and knowledgeable licensed insurance agents. AIG makes it possible for customers to come away from the experience with a level of confidence that could only be gained through proper education. AIG offers several options for insurance coverage including term, permanent, universal whole, and guaranteed issue whole life insurance; all of which share the goal of establishing a solid financial foundation that can secure the financial future of the families it works with.

How It Works

Visit aigdirect.com to secure a life insurance policy quote from AIG. It is important to remember that the quote given is an estimate of the price of coverage and does not constitute a formal offer for coverage. After the online application is completed, AIG will review the application and the underwriting process will begin. After underwriting, customers will receive an official, more detailed offer for coverage. AIG is stands out from competitors by guaranteeing coverage for applicants ages 50-80 and does not require expensive, time consuming medical exams. In order for beneficiaries to submit a claim on a policy, they must contact AIG’s Customer Service Center which will initiate the reimbursement process. Beneficiaries must request and complete the claimant statement and submit all required documents including death certificate, policy, and in certain cases, a newspaper account of the death.

What Customers Are Saying

Positive customers reviews highlight AIG’s agents and customer service knowledge. Customers appreciate the ease of the AIG process and feel that the agents are well qualified and eager to help during times of difficulty. The staff and agents are not pushy and are not constantly trying to up-sell you with additional products and coverage. The website is also mentioned by several customers as an area of strength and most customers feel that the process is streamlined thanks to the helpful online resources. Unfortunately, not all feedback regarding AIG is positive. AIG received an above average number of complaints and overall customer satisfaction rates are less than desirable. Several customers mention months long wait times to settle death claims and threats of policy termination due to mishandling of premium payments. Despite AIG’s attempts to streamline the process, getting signed up can be a headache. Customers complain of excessive back and forth communication and mixed up paperwork. Simple changes to policies are difficult to complete; beneficiaries and name changes can take years to complete. When customer service was contacted by phone, many customers are told to set up an online account and make changes through that portal instead of simply helping customers make the changes over the phone.

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