Ratings

Life best-life-company-ratings
Overall Rating info icon info icon
4.0 ratings
Customer Service
4.0 ratings
Value for Price
4.0 ratings
Website and Apps
4.5 ratings
% Who Would Recommend to a Friend
90%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
A

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

A.M. 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.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Reasons for Buying

Customers of American General (AIG) originally decided to purchase from the company for these reasons:
  • 21% Saw TV commercial
  • 15% Financial strength rating
  • 15% Reputation
  • 13% Saw online ad
  • 12% Recommended by friend or family member
  • 7% Offered best price
  • 6% The company website and mobile apps are easy to use and helpful
  • 5% I had other insurance with this company
  • 4% Was the company my parents had

What kind of life insurance do you have?

Permanent, including whole life
Term
Both
Other

How much do you pay annually for your life insurance policy (per person if have more than one life policy in your household)

$4,000 or more
14%
$250 - $499
9%
$750 - $999
9%
$1,000 - $1,249
8%
$1,750 - $1,999
8%
$1,250 - $1,499
7%
$1,500 - $1,749
7%
$500 - $749
7%
$2,000 - $2,249
6%
$2,250 - $2,499
5%
$2,500 - $2,749
5%
Less than $250
5%
$3,500 - $3,999
4%
$3,250 - $3,499
3%
$3,000 - $3,249
2%
$2,750 - $2,999
1%
life
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Customer Complaint Ratio

info icon
( American General (AIG)’s customer complaint ratio for Individual Life insurance is 3.39 )
( American General (AIG)’s customer complaint ratio for Group Life insurance is 143.58 )
3.39
0 1 3 10+
143.58
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

Best life insurance companies 2021: American General

Helping you prepare for what’s next.

How American General stacks up

American General earned a Top 5 spot in our annual review of fifteen Best Life Insurance Companies. They got 4 out of 5-star ratings across the board in price, customer service and website & apps.

When we asked American General customers if they would recommend the company to others, 90% said yes.

How likely to recommend?

  • 64%I would definitely recommend this company
  • 26%I would probably recommend this company
  • 5%Neutral
  • 3%I would probably not recommend this company
  • 2%I would not recommend this company

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 65%
  • Fairly satisfied / Fulfills my needs OK 18%
  • Average website and apps 9%
  • Unsatisfied / website and/or apps are not fulfilling my needs 4%
  • Very unsatisfied / digital offering is severely lacking 2%

How do you prefer to deal with insurer and policy?

  • In person 36%
  • Phone 25%
  • Interactive website 17%
  • Email 16%
  • Mobile App 6%

American General coverages

  • Term life insurance
  • Universal life insurance
  • Whole life insurance
  • Guaranteed issue whole life insurance
  • Quality of life insurance
  • Travel insurance
  • Accident and health insurance

American General discounts

  • AAA membership discount

About American General

AIG is a global insurance company with operations in more than 80 countries and jurisdictions.

AIG’s roots began in 1919 when Cornelius Vander Starr established a general insurance company in Shanghai, China. The first U.S. office of American International Underwriters opened in New York in 1926, and the company’s headquarters moved to New York in 1939. The company continued to grow internationally for the next several decades.

AIG provides insurance and retirement products. In 1999, AIG acquired Sun America, a retirement and financial services company, and in 2001, AIG acquired American General, a life insurance company that was founded in Houston in 1926.

AIG’s “quality of life” insurance products include living benefits that pay out a portion of your life insurance benefits early if you have a chronic illness and need help with at least two activities of daily living; or if you have a critical illness such as a heart attack, stroke or certain kinds of cancer; or if you have a terminal illness and doctors expect you to live for less than 24 months.

Contact information

Corporate headquarters

AIG

80 Pine Street

New York, New York 10005

Customer service: 1-888 543-3371

Life insurance customers: 1-800-888-2452

American General Life Insurance Company
P.O. Box 4373
Houston, Texas 77210

In which states American General (AIG) is available?

States in which American General (AIG) is available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

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