American General Life Insurance Company

Ratings

Life

Overall Rating

Customer Service

Value for Price

Website and Apps

% Who Would Recommend to a Friend

AM Best Financial Strength Ratings

May 01, 2021

HOW WE WEIGH OUR SCORE

Price50%
Customer service40%
Website and app5%
Recommend5%

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

$750 - $999

$1,000 - $1,249

$1,750 - $1,999

$1,250 - $1,499

$1,500 - $1,749

$500 - $749

$2,000 - $2,249

$2,250 - $2,499

$2,500 - $2,749

Less than $250

$3,500 - $3,999

$3,250 - $3,499

$3,000 - $3,249

$2,750 - $2,999

Go to American General (AIG) site now to get a quote

Customer Complaint Ratio

( 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.

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 is American General (AIG) life insurance available?

States in which American General (AIG) life insurance 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.

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

"I would tell them that this insurance agency is great and they really listen to you."

-Age 19, Ohio

"I love the company"

-Age 20, Pennsylvania

"Not good."

-Age 22, Kansas

"It's not that great."

-Age 22, Kansas

"It was very easy to buy the policy and helpful agent too."

-Age 25, California

"Uso e recomendo"

-Age 27, New York

"Great policy at good price."

-Age 29, Kentucky

"I have a good experience regarding the price / quality comparison, it seems like a good option"

-Age 30, New York

"Satisfactory experience. It is a company that cares a lot about the well-being of its customers"

-Age 32, Florida

"Good company"

-Age 32, Maryland

"Good policies to pick from."

-Age 33, Ohio

"Very good life insurance company."

-Age 33, Texas

"They take care of you and treat you like family."

-Age 34, California

"Very good company and policies."

-Age 34, California

"I would tell them that it was easy to sign up and I feel confident that I am covered."

-Age 34, Maryland

"Good policies and coverage options."

-Age 35, Florida

"I got a very good policy with them and customer service was good. "

-Age 35, Florida

"Very good coverage and service."

-Age 35, Florida

"I don't have much experience with them but so far pretty good."

-Age 35, Georgia

"It's a good company, shop with them."

-Age 35, Georgia

"I am so glad I switched to this insurance company"

-Age 35, New York

"I trust them."

-Age 35, Texas

"Good company, would recommend."

-Age 36, California

"I wish they would give you more information about your policy once you buy it."

-Age 36, California

"Very good company, told my family to use them."

-Age 36, California

"My experience is better than anyone."

-Age 36, Kansas

"I really liked the way that they treat me for a great time."

-Age 36, Wisconsin

"I like them a lot for an insurance company."

-Age 37, Florida

"The insurance company customer service is very nice."

-Age 37, Missouri

"It is better than other companies I checked out. "

-Age 38, California

"Good life insurance company, would recommend."

-Age 38, Virginia

"Its policies are the best."

-Age 39, Virginia

"It's very good, I've had a great experience with them."

-Age 40, Florida

"I am satisfied with my service with them."

-Age 40, Kansas

"They are okay but not great by any means."

-Age 40, New Jersey

"Easy to get a policy with them."

-Age 40, Pennsylvania

"They have great customer service."

-Age 40, Virginia

"I would recommend them to others."

-Age 41, California

"I told them about my past experience, insurance companies must adhere to their policies and I was able to get a policy that fit my needs."

-Age 41, Florida

"Very good company"

-Age 41, New York

"This is very good policy."

-Age 41, Ohio

"My life insurance company based on my overall experience with them is good"

-Age 41, Texas

"This insurance is really very good and I have been familiar with it for many years and have a lot of good experience."

-Age 41, West Virginia

"Great experience"

-Age 42, California

"It is good and policy is what I need."

-Age 42, Florida

"Good not great"

-Age 42, New York

"It's a very great service every time"

-Age 42, New York

"Very good company"

-Age 42, New York

"I like them and their representatives very much."

-Age 42, Texas

"Great company!"

-Age 43, Arizona

"They are pretty good."

-Age 44, Washington

"Very good company and helpful."

-Age 45, New Jersey

"They are easy to work with."

-Age 46, Illinois

"I'm not sure just signed up with them and waiting for the policy in the mail. So like them so far but don't know how it will go in the long run."

-Age 46, Tennessee

"My experience was painless & wonderful."

-Age 47, Illinois

"It's an amazing company."

-Age 49, Alabama

"I think so and I gain many good experiences from them."

-Age 50, New York

"Reputable company but they are very stringent about pre-existing conditions. I think they are overpriced and have no idea how their customer service is, as I have not yet contacted them."

-Age 55, Missouri

"I really don't know much about the company - I have a policy from work and elected to add on an additional amount"

-Age 56, Ohio

"Great people"

-Age 57, New York

"I never hear from them but my policy price was good, so good enough I guess."

-Age 60, Kansas

"I love that they have affordable policies."

-Age 61, Alabama

"Avoid AIG if you can. They don't have much customer service."

-Age 61, Georgia

"This company has great offerings at a great price"

-Age 64, Georgia

"They provide some basic term insurance but I wouldn't use them for whole life. Once your term is up they jack up the rates, which may be common for term. Their website is not intuitive and their customer service is nonexistent."

-Age 67, Arizona

"So far I have had no problems with my company"

-Age 68, California

"Find a better insurance company. Their premiums are too high for what you get."

-Age 69, Florida

"An overall negative experience"

-Age 70, Virginia

"Easy payment options."

-Age 71, Florida

"They are easy to use but don't interact with them much."

-Age 72, Texas

"They are a reputable company and provide great customer service."

-Age 73, New Jersey

"Look at them before buying from them is my recommendation."

-Age 74, South Carolina

Other Companies to Consider:

American General (AIG) Life Insurance Reviews And Ratings

Ratings

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

Reasons for Buying

What kind of life insurance do you have?

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

Customer Complaint Ratio

Best life insurance companies 2021: American General

How American General stacks up

How likely to recommend?

Ratings on Website & Apps

How do you prefer to deal with insurer and policy?

American General coverages

American General discounts

About American General

Contact information

In which states is American General (AIG) life insurance available?

Other Companies to Consider: