AIG is No. 13 in our 2025 Best Life Insurance Companies ranking, earning 4.16 out of 5 possible stars. Customers reported a high degree of satisfaction with customer service, ease of use, and billing processes.
Kara McGinley has over 6 years of experience writing, editing, and reporting on insurance and the insurance industry. She's been a licensed property and casualty expert in New York since 2021. Kara has been featured in several national publications, including USA TODAY, MSN, LifeHacker, Kiplinger, PropertyCasualty360, Policygenius, Rental Housing Journal, and WRAL.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
AIG ranks No. 13 in our Best Life Insurance Companies ranking of 2025, receiving 4.16 out of 5 possible stars. AM Best, a credit rating agency, gave AIG a grade of A (Excellent), the third-highest score possible. This implies that AIG is a financially sound company that can pay for claims.
Of the customers we surveyed, 85% reported being satisfied with the company, and 94% said they would recommend it. However, the insurer received more consumer complaints filed with the National Association of Insurance Commissioners (NAIC) compared to other companies we evaluated. The NAIC tracks complaints submitted by policyholders to state regulators.
Below is our review of the full company and its line of life insurance products. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
Most customers we surveyed are happy with AIG, with 85% saying they’re satisfied with the insurer’s customer service. However, the company didn’t do as well in J.D. Power’s customer satisfaction study, where AIG ranked last.
AIG offers affordable term life insurance rates. A 20-year term policy for a 35-year-old non-smoker with a $500,000 death benefit costs $278 per year, nearly $100 cheaper than the national average of $377 annually.
AIG was one of the top-scoring companies in this category of our customer satisfaction survey, earning a 90% score, tying with Guardian.
AIG also scored highly in policy offerings, with 87% reporting satisfaction with the company’s options. Guardian led in this category out of the 16 companies that made our best life insurance ranking.
Around 89% of surveyed AIG customers find the company to be trustworthy. Northwestern Mutual led this category and is the only insurer in our analysis to receive a 100%.
The majority of surveyed AIG customers said they plan to renew. Most insurers scored highly in this category, with four companies earning a 100% score.
Note: AIG is licensed to sell life insurance in all states except New York and Maine. In those states, insurance may be available through AIG subsidiaries
AIG, or American International Group, is a global insurance company that’s been around since 1919. The company originated in Shanghai, China, but has grown into a company with customers in around 190 countries. With over a century of experience, AIG offers a wide range of insurance products, from life to auto to cyber security.
Through subsidiaries like American General Life Insurance Company and The United States Life Insurance Company in the City of New York, AIG tailors its products to meet state-specific regulations and customer needs across the U.S.
Sources:
J.D. Power. “Individual Life Insurance Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (973 people with life insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their life insurer and then grade it in the following categories:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.They also collected insurance rate data from Compulife.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For life insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.