If you are looking for a life insurance company offering many policies and flexible terms, AIG Direct may be the right choice.
AIG offers term life and guaranteed issue whole life policies to customers ages 18-80. They also offer several optional riders that can help increase your coverage. For instance, their Accidental Death and Dismemberment (AD&D) policy will pay out in the event of a qualifying accident.
Customer Service
AIG Direct is part of American International Group (AIG), one of the world’s largest insurance companies. The company has a unique origin story, starting in 1919 as the American General Life Insurance Company in Shanghai. However, it didn’t set up an office in the United States until 1926,, when Cornelius Vander Starr relocated to New York City under American International Underwriters.
AIG Direct offers term life policies for issues between 18 and 80. They also provide guaranteed and accidental death coverage.
Regarding customer service, AIG Direct isn’t one of the best-rated companies. For example, their NAIC complaint index is 2.82, disproportionately higher than their size.
AIG Direct is primarily connected to American General but also represents a limited number of other highly rated carriers. However, their agents don’t routinely sell policies to applicants with health conditions, so securing coverage for someone with diabetes or hypertension will be more complicated than if you went with an independent agent.
Coverage Options
Term life insurance is the most popular type of coverage, and AIG offers many options. They offer affordable rates, flexible terms, and several specialized smoker plans.
They also accept pre-existing conditions, such as heart disease. In addition, they consider pregnant women throughout their pregnancy when underwriting.
AIG Direct reviews indicate that it has a good reputation for term life insurance policies, with competitive rates and a wide range of policy lengths in five-year increments. Its level-term options offer flexibility and affordability, especially for young shoppers who cannot secure affordable rates with other providers.
AIG Direct also offers universal life insurance, which is permanent coverage similar to whole-life policies. As long as insurance shoppers make premium payments, their beneficiaries will keep receiving death benefits regardless of when they pass away. In addition, these policies have flexible premium payments and investment components.
Pricing
AIG Direct is part of the American International Group, one of the largest global insurance conglomerates. Founded in Shanghai in 1919 by Cornelius Vander Starr, the company has been around long enough to have a solid grasp on the insurance business. AIG offers an impressive selection of products and services for all kinds of customers, and the company is a great place to find a policy that best suits your particular needs. The company also specializes in online sales and has various customer support channels. As with most reputable insurance companies, shopping around for the lowest rates is always a good idea.
Policy Documentation
As a long-standing company with more than a century of experience, Aig Direct Reviews provides policy documentation to policyholders. These documents include a copy of your policy and information about how to submit a claim.
AIG Direct also offers an online customer portal that allows policyholders to view and update their policies. They can also make payments and access their account.
The AIG Direct website features a life insurance calculator and educational content to help consumers understand the basics of term life insurance. The portal also allows users to update their beneficiaries and change their addresses.
AIG Direct offers a variety of policies, including term life insurance and permanent life insurance. Applicants must complete a medical exam and submit health, driving, employment, and criminal records to qualify for a policy. The underwriting process for a healthy individual can take two to four weeks.
