With competitive rates and brand recognition, AIG Direct may seem a logical choice for many life insurance buyers.
Purchasing a life insurance policy can be quite an overwhelming process. You probably already have a headache with all the coverage amounts, conditions, and exclusions. Of course, you can’t just wing it.
If you’re wondering which agency is the best choice for your insurance needs, our AIG Direct Life Insurance Review should help you make an informed decision.
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About AIG Direct and Matrix Direct
AIG has been in the insurance industry for over a century and has a unique origin story compared to its competitors.
Cornelius Vander Starr established the company in Shanghai, and it wasn’t until 1926 that they set up shop in the U.S. by first calling themselves American International Underwriters.
As this company expanded, it solidified itself in the insurance industry, launched an AIG Direct subsidiary, and purchased another online property called Matrix Direct in the early ’90s.
As part of American International Group (AIG), one of the largest multinational insurance organizations in the world, AIG Direct and Matrix Direct have been leading providers of online term life quotes since 1995.
Currently, AIG Direct offers its services in 49 states, including the District of Columbia.
The agency is located in San Diego, California, and currently has an A+ rating with the Better Business Bureau.
AIG Direct has a user-friendly website and offers easy-to-use platforms for healthy shoppers to buy life insurance. This includes simple online application forms and easy e-policy delivery.
AIG Direct sells life insurance policies online, primarily underwritten by the life insurance company American General.
Although it’s connected to a giant insurer, AIG Direct will not always sell you coverage only from American General.
AIG Direct also represents a limited number of other highly rated life insurance carriers.
Every life insurance company AIG Direct represents has been rated from A- to A+ by A.M. Best insurance ratings for financial strength and claims-paying ability.
AIG Direct Life Insurance companies
- American General – A.M. Best Rating: A
- Gerber Life – A.M. Best Rating: A
- Globe Life – A.M. Best Rating: A
- Mutual of Omaha – A.M. Best Rating: A+
- Prudential – A.M. Best Rating: A+
- Transamerica Life – A.M. Best Rating: A
Remember that AIG Direct’s life insurance policies are only sold online through their massive call center.
Do you wish to have more companies and better customer service?
The limited policy selections available through AIG Direct are the same as you would get by purchasing any of these policies from your local agent.
So, the primary decision to make when buying your policy is whether you will want to buy your policy online or if you want to work with an independent agent.
Keep in mind that our independent agents can meet with you in person. Your local agent will generally spend more time helping you understand your new policy’s details.
AIG Direct Life Insurance Review
AIG Direct Life Insurance ReviewAIG Direct’s website is relatively easy to navigate, straightforward, and often educational.
As a newbie in the insurance field, you will find it easy to navigate various learning sources and quickly access policy details, quotes, and tools to evaluate your coverage needs.
You are looking for life insurance. You know you need it, but the process is daunting. What should you look for? How much do you need? Who should be the beneficiary?
If only there were a way to compare your options before buying. Well, now there is!
AIG Direct Life Insurance makes getting started with life insurance easy and fun by helping people find their perfect plan.
You will have easy access to the following:
- Online and telephone life insurance quotes
- Easy online applications
- Help with scheduling any medical examinations
- Customer service phone calls
- Underwriting status with a customer login
Even though these options may seem pretty standard, their application process is relatively short compared to the industry average.
Simply put, you can purchase insurance policies easily and quickly online without ever meeting with a life insurance agent.
This method is better than companies like Ethos Life and Ladder Life, which use algorithms to make underwriting decisions and circumvent typical agents and underwriters to sell their insurance coverage.
AIG Direct Review of Products
AIG Direct Review of Products AIG Direct offers flexible and affordable life insurance products, including term, universal, guaranteed issue, and accidental death policies.
Term and universal life plans are available for issue ages 18 to 80, with coverage amounts currently up to $10,000,000.
People can buy these life insurance policies by calling the AIG Direct life insurance phone number or logging into their consumer-friendly website.
AIG direct review of Term Insurance offerings
Their term life insurance policies protect shoppers for a predetermined period, commonly between 10 and 35 years.
The most popular term life insurance offered by AIG Direct is Select-A-Term, which is being provided at competitive prices by American General.
While most term policies are offered in five or ten-year increments, American General’s popular Select-A-Term portfolio allows you to pick 18 unique term lengths ranging from 10 to 35 years.
Quality of Life
The QoL Flex Term policy combines life insurance with several riders that grant shoppers death benefits under predetermined circumstances.
For instance, the accelerated death benefit is applicable if the policy shopper was diagnosed with a terminal, critical, or chronic illness.
Aig Direct review of Universal Life products
Universal life insurance is a type of permanent coverage similar to other providers’ whole life insurance policies.
As long as insurance shoppers make premium payments, their beneficiaries will keep receiving death benefits regardless of when they pass away, with investment components and flexible premium payments.
AIG Direct offers three permanent life insurance plans primarily offered through American General.
The permanent policies included in American General’s portfolio have two indexed products and one guaranteed universal life policy.
- Value+ Protector
- Max Accumulator+
- Secure Lifetime GUL 3
AIG Guaranteed Issue
Guaranteed issue life insurance is also called ‘guaranteed acceptance’ and is a type of permanent life insurance that guarantees acceptance of candidates regardless of their health status.
This no-exam-needed life insurance policy is typically best for those who may have exhausted most other life insurance options with much smaller death benefits and higher costs.
AIG Guaranteed issue policies offer up to $25,000 of final expense coverage to applicants aged between 50 and 85 years of age.
AIG is one of the few life insurance companies offering no medical exam coverage with automatic approval.
Accidental Death and Dismemberment
What does Accidental Death Insurance cover?
AIG Direct’s Accidental Death Insurance only pays benefits to those who qualify for predetermined accidents.
Just as its name implies, an accidental death and dismemberment insurance policy covers death or injuries that are proven to be the direct result of a covered accident.
AD&D Insurance can provide financial benefits if you are killed, lose a limb, suffer blindness, or are paralyzed in a covered accident.
Accidents involving work-related machinery, poisoning, falls, suffocation, choking, drowning, and fires are typically covered by an AD&D policy.
It also normally covers injuries or deaths resulting from an accident while riding as a fare-paying passenger on a bus, train, airplane, ferry, taxi, or another common carrier.
Plus, it’s guaranteed to be approved!
This particular policy is easy to qualify for and is affordable to most people.
Remember, you can not be turned down for this policy even if you have a dangerous occupation or poor health.
Which type of policy is best for my family?
Hopefully, the agents at AIG Direct will review your medical history to determine which type of policy and coverage amount best fits your situation.
AIG Direct vs. Affordable Life USA
AIG Direct vs. Affordable Life USAAIG Direct is a trusted life insurance provider that can help protect you and your family.
If you are considering purchasing life insurance, it’s worth taking some time to explore the options offered by AIG Direct.
It may be just what you need for affordable protection at an excellent value!
Ask yourself if their rates compare favorably with other providers in your area or on the internet.
Remember that AIG Direct has struggled with customer reviews and ratings because they have less-than-average customer service.
This is also reflected in their J.D. Power consumer rating scores. Their customer satisfaction scores shouldn’t come as a surprise because large insurance providers usually have trouble dealing with their vast customer base.
In contrast, Affordable Life USA is a smaller agency and finds it easier to spend more time with its business and individual insurance shoppers.
AIG Direct and similar insurance services providers like Termprovider and Accuquote focus mainly on selling many insurance policies and only represent a small number of carriers.
Moreover, their agents don’t routinely sell policies to applicants with health conditions and may not represent enough companies to cater to these riskier clients.
AIG direct FOR PEOPLE WITH MEDICAL CONDITIONS
AIG direct FOR PEOPLE WITH MEDICAL CONDITIONSAIG Direct reviews hundreds of applications daily and has a large team of people handling the underwriting of your policy.
Your agent may not even be updated on the status of your file as it moves through the application process.
Managing many life insurance companies can be challenging for a large call center.
Therefore, AIG Direct must have a more simplified process to maintain the autonomy of its workforce.
So, this is why it makes more sense for AIG Direct to concentrate its efforts on writing business for only a few well-staffed life insurance companies.
Obtaining an affordable life insurance policy with health conditions is often cumbersome. This is very important to remember if you are older or have a few minor health issues.
AIG Direct may work just fine for healthy folks seeking life insurance coverage. However, if you have a medical condition, you may need to get an impaired risk company involved to secure the best pricing.
AFFORDABLE LIFE USA FOR MEDICAL CONDITIONS
Securing life insurance for people with diabetes, hypertension, depression, and other common medical conditions requires more agent intervention to obtain the best offer.
Plus, having a larger pool of insurance companies to choose from will increase your probability of finding inexpensive premiums for life insurance.
Since many insurance companies will request your medical records from your doctor, special attention must be directed to honoring these requests in a timely fashion.
This is often the case with older applicants who consult many doctors. We have found this extra effort is paying off when getting affordable life insurance rates for seniors.
Our veteran agents shop extensively to find insurance companies best suited to your unique medical history.
After reviewing your medical records, we can utilize insurers like Lincoln Financial, Prudential, Pacific Life, and Transamerica to find the best rates in today’s marketplace.
Here’s a complete list of highly-rated life insurance companies we often use for healthy and impaired-risk clients.
| COMPANY | BBB | AM Best | JD Power |
|---|---|---|---|
| AIG | A+ | A | 718 |
| AXA Equitable | A+ | A+ | 752 |
| Banner Life | A+ | A+ | N/A |
| Brighthouse | A+ | A+ | N/A |
| Guardian Life | A+ | A++ | 760 |
| John Hancock | A+ | A+ | 739 |
| Lincoln Financial | A+ | A+ | 744 |
| Mass Mutual | A+ | A++ | 780 |
| Metlife | B- | A+ | 780 |
| Mutual of Omaha | A+ | A+ | 766 |
| Nationwide | A+ | A+ | 806 |
| Pacific Life | A+ | A+ | N/A |
| Principal Financial | A+ | A+ | 774 |
| Protective | A+ | A+ | 742 |
| Prudential | A | A+ | 770 |
| SBLI | A+ | A+ | N/A |
| Transamerica | A+ | A+ | 720 |
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Affordable Life USA is a leading independent insurance agency offering comprehensive life insurance solutions to clients nationwide.
Eric Van Haaften, LUTCF
1-877-249-1358
