With a broad selection of policy types available, AIG Direct has provided life insurance to thousands of families since it was founded in 1995. Its key offering includes term life policies with lengths of up to 30 years, as well as permanent life insurance options.
Although the company requires you to undergo a medical exam on most plans, it provides quotes online or with the personalized support of a licensed agent.
One of the advantages of AIG Direct’s model is that you can build your coverage yourself online or with personalized guidance from its agents.
With online life insurance buying options, you can receive quotes and choose a policy based on information you provide about your coverage needs, health, and lifestyle. This could be a good choice, if you are already familiar with life insurance products and feel confident in selecting the right policy for you.
In contrast, you can work directly with one of the company’s agents to find a plan that fits your circumstances. This approach could be more suitable if you have complicated circumstances or need assistance with customizing your life insurance coverage.
AIG Direct offers a wide selection of life insurance products, including Term Life, Guaranteed Issue Whole Life and Universal Life Insurance. A few highlights for Term Life Insurance include:
AIG Direct offers the following types of life insurance:
Term: Up to $10 million, with terms between 10 and 30 years
Universal: Potential to convert a Term Life Policy into a Universal Life policy at a later stage
Guaranteed Issue Whole Life: Up to $25,000 in coverage for those aged 50-80. No medical exam required.
You can also add a Living Benefits rider to your coverage. This will offer you up to $2 million in benefits to cover unexpected life events.
You can receive a free quote over the phone or through the company’s online tool. To do so, you’ll need to provide the following information:
You’ll then either see a selection of quotes for different policy types or receive a call from one of the company’s agents. In most cases, this call should last under 10 minutes and the agent will then suggest a policy to fit your needs.
Note, AIG Direct will require you to take a medical exam before you buy life insurance on most of its policies and will use these results to determine the amount you pay for your insurance. A qualified nurse will conduct the exam, and you can choose the date and location.
Overall, we found the process of using the company’s online quote tool extremely straightforward and received quote information in approximately 3 minutes.
Launched in 1995, AIG Direct is a well-established name within the life insurance industry. The company is accredited by the Better Business Bureau (BBB) and has an A + rating.
In terms of cybersecurity, the company uses SSL encryption in its application process. This will ensure a secure connection between your device and AIG’s servers when you enter your personal information.
You can contact AIG Direct through live chat or over the phone if you have a question or concern about your policy. Support hours will depend on the type of query you have:
Sales: 6am-6pm (PT), Monday-Friday; 7am-4pm (PT), Saturday
Customer service: 7am-5pm (PT), Monday-Friday
AIG Direct also has a detailed selection of online articles and product guides on its website. These cover topics such as the process for making a life insurance claim and guidance on choosing a beneficiary.
It also offers a life insurance calculator, which can help you determine the amount of coverage you may need.
AIG Direct offers a broad selection of life insurance products, with flexible terms and coverage limits of up to $10 million. Likewise, it offers riders if you’re diagnosed with a terminal or life-limiting condition, as well as specialist policies for seniors and those wishing to cover end-of-life expenses.
If you’re looking for reliable coverage and a personalized life insurance plan, then AIG Direct may be suitable for you.
9640 Granite Ridge Drive,
San Diego, CA 92123
© 2023 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”). All companies above are wholly-owned subsidiaries of Corebridge Financial, Inc. AGL does not solicit, issue, or deliver policies or contracts in the State of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. 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. All prices quoted are non-binding, and the ultimate premium amount for any policy is determined by the underwriting insurance company following application. 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 the appropriate professional.