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AIG Direct Review
AIG Direct Review
July 24, 2023 / Katy Ward
AIG Direct Review
July 24, 2023 / Katy Ward


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.


  • Wide range of Life Insurance policies
  • Customized support from licensed agents
  • Simple online quoting tool available
  • Options to purchase policies online or by phone


  • 24/7 customer support not available
  • Need to undergo medical exam for most policies

Suitable For?

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:

  • Terms of between 10 and 30 years
  • Up to $250,000 in term coverage from $13 per month (male/female age 35)
  • Medical exam required
  • Term Life is generally less expensive than permanent life insurance products
  • Options to renew or convert to a permanent policy available

Policy Types and Terms Available

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.

Application Process

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:

  • Age/height/weight
  • Nicotine usage
  • Marital status
  • Past and present medical information
  • The level of coverage you need
  • Mortgage size

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.

How Safe Is It?

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.

Help and Support

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 at a Glance

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.

Physical Address

9640 Granite Ridge Drive,

Suite 200

San Diego, CA 92123


By Katy Ward
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.
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