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AIG Direct
Life Insurance Review Rating: 4.9 / 5 (Excellent)
12 Customer Comments & Reviews - see all comments
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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?


Company Stability
Policies & Coverage

Overall Rating: 4.9 / 5 (Excellent)

AIG Direct life insurance plans offer continually customizable coverage, so customers can adjust their policies as their needs change over time, as well an excellent value through integrated living benefits at no additional cost.

The company is a subsidiary of insurance giant AIG, whose long, financially-stable history should give customers confidence that the company will meet its obligations when claims are made. AIG is one of the largest and most trusted, multinational insurance corporations in the world. From term and whole to universal and guaranteed-issue life insurance, many customers will find something that suits their needs and budget among AIG Direct's wide range of products.

Financial Strength

Key Details

Marketshare 2017
Premiums Written 2017
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating

Company Stability - 5 / 5

As a subsidary company, AIG Direct is not sepately rated by the usual credit rating services. However, according to A.M. Best, AIG currently enjoys a sound financial strength and a stable outlook with an issuer credit rating of A.

Financial stability is especially important when choosing a life insurer, since claims under the policy are often not made until many years--or several decades--have passed. Since AIG Direct is a wholly-owned subsidiary of one of the largest, most financially solid insurance companies in the world, consumers should have no doubts about its ability to pay claims when the time comes.
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: AIG.

Reputation & Customer Experience

Customer Ratings

BBB Rating
Number of BBB Negative Reviews
Date Collected

Reputation - 4.5 / 5

AIG holds average customer ratings on various independent consumer review sites. These ratings, however, are based on reports from AIG's entire base of 90 million customers--not just those from AIG Direct. As such, it's difficult to determine exactly how satisfied consumers are with AIG Direct and its life insurance offerings.

It's an encouraging sign, however, that the company has responded to the complaints made to the Better Business Bureau and appears to be making efforts to address such complaints and, where warranted, to provide timely resolutions. This is something that many large companies simply don't do; in our view, AIG Direct is to be commended for its customer engagement.

AIG Direct Policies

AIG Direct offers customers the following life insurance policies: Term, Whole Life, Universal Life, Guaranteed Acceptance/ Final Expense.

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 & Coverage - 5 / 5

AIG Direct offers a variety of flexible and affordable policies including whole, term, permanent, universal, quality of life, and guaranteed issue insurance, which provides coverage for individuals between the ages of 50 and 85 without evidence of insurability requirements.

AIG Direct'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 term coverage into a permanent policy. AIG Direct also has a very high maximum payout at $10,000,000 or more.

Flexibility and Available Riders

Available Term Life Riders

  • Critical Illness Rider
  • Accidental Death Benefit Rider

Flexibility & Available Riders - 4.8 / 5

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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12 Customer Comments & Reviews

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Jeremy D
Requested a rollover form (to transfer account out of AIG) multiple times over several weeks. Never received the form after numerous requests, multiple times confirming my address, confirming they sent the form, etc. Customer service representatives are either liars or incompetent. Not a good sign if you want these people to be responsible for your financial well being. Terrible service and terrible firm. Now I have to resort to putting request in writing (for a simple form), documenting people I spoke with on phone, creating a paper trail (all for a simple form). You've been warned!

Do not deal with AIG!!. On Jan 31, my wife and I - both seniors - were informed that our Asian cruise was changing course, so we purchased a flight back to Canada via EVA and just to be safe, we spend an additional $140 for cancellation insurance from AIG through Expedia Singapore. When our cruise line again changed the date of disembarkation due to the COVID 19, I immediately cancelled our EVA flight on Feb 1st, (one day after booking the flight). One would think that with the protection of "cancellation insurance", it should be no problem getting back the $600 that EVA did not reimburse us for. Not with this ripoff insurance company - AIG refused to reimburse us for this... Read More

Their insurance fraud team is the best. Such honorable guys that are always there to give you security and service.

Daniel R
receined notice that my policy would be cancelled for non payment. Bill was paid ontime and I hve a cancelled check!!! It was sent automatically by my bank. Was on hold for 1 hour and twenty minutes. Check was sent on 1/3/20 and AIG did not post till 1/21 and sent me notice of overdue and grace period. Someone over at AIG is not doing their job. After waiting over 40 min with robo phone system told to call another number. Waited additional 40 min to talk to someone named Phil who verified everything was in order. Just waisted 1.5 hours of my day.

I went through an insurance agent who connected me to AIG for life insurance on the house. When I realized we couldn't meet the monthly payment anymore, they told me my agent had to cancel it and that I, the policy holder, could do nothing. I originally wanted to switch it to a cheaper monthly plan but they said I would have to wait a whole year before doing that. What kind of business goes by rules like these?? Since they didn't want to take my money at all, I decided to cancel permanently and go elsewhere. I thought they would at least refund me the first monthly payment since I was only with them for one month, but they wouldn't even do that. I'm VERY disappointed in AIG and the fact... Read More

BEWARE!!! I had a 15 year term policy that was EFT’d from my account every month for $104.00 that’s approximately $18,720.00. January of 2019 my policy ended and was terminated. I then found out that US Lifef/AIG had been debiting my account for $2617.94 per month with out my permission. When I called they told me that as per my policy automatically renewed at the new at this new rate EVEN WITH OUT MY EXPRESSED PERMISSION. $10,471.76. BEWARE OF THIS SCAM.

Chad W
My ten year policy was set to expire. I received a letter stating the premiums would drastically increase if I did not renew or cancel. I called 30 days in advance to cancel the policy. The customer service representative stuttered and stammered and placed me on hold several times. After a time, he confirmed that the policy was canceled. Fast forward 30 days, and my account was hit for the higher premium. I called customer service again and again. Even though the problem was clearly their fault, customer service was very unconcerned. I called back a few times to speak to incompetent "customer service" representatives. The problem is not resolved, and I have no confidence in this... Read More

Latoya A
Took out a policy for my husband..brand new customers, I'm in the process of getting mines but just had a very cold and unfriendly encounter with Jennifer Lee, first impressions are lasting..the initial pre screening to get blood work etc was also an unfriendly and cold encounter..why the heck will I even bother..forget it..I have another pending policy with william penn..I'll take their own even if it's more money, at least their staff had better attitudes..

The company took out my bank account twice causing me to have 105.00 dollars in overdraft fees,. Having to cancel plans and now I have to wait for them to send me a check. Not counting the overdraft fees, that I have to dispute. I'm very disappointed in there service.

Jorge T
Very poor customer service. I had to deal with them because I had Geek Squad and this was the company to pay out for damages. Waste of money and time! They will say what they want not to pay out, and you get a run around on the phone.

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