AIG Direct offers Whole Life Insurance options like Universal Life Insurance and Guaranteed Issue Whole Life Insurance.

American International Group, Inc. American International Group, Inc. (AIG) companies partner with millions of consumers to provide knowledgeable financial insight from investments to life insurance products.

As part of our Life Insurance Division, AIG Direct is trusted by over a million families. We've focused on helping Americans secure life insurance at affordable prices since 1995, providing valuable and in-depth life insurance information that helps you protect your loved ones.

The policy options you have through AIG Direct Insurance are exactly the same products offered by insurance agents. This means the only difference between AIG and AIG Direct is that you get to choose if you want to work with an agent or not. AIG is with an Agent and AIG Direct is without an agent.

AIG has a solid Financial Strength Rating of A (Excellent) from A.M. Best, but this does not stand out, as many top life insurance companies receive a similar or better rating. American International Group, AIG, is headquartered in New York and is made up of several companies in the group: AIG Direct.

The policy options you have through AIG Direct Insurance are exactly the same products offered by insurance agents. This means the only difference between AIG and AIG Direct is that you get to choose if you want to work with an agent or not. AIG is with an Agent and AIG Direct is without an agent.

AIG has a solid Financial Strength Rating of A (Excellent) from A.M. Best, but this does not stand out, as many top life insurance companies receive a similar or better rating. American International Group, AIG, is headquartered in New York and is made up of several companies in the group: AIG Direct.

You have the option, with cash value, to surrender your policy and withdraw the total cash value of your policy. If you do surrender your policy though, you will no longer have life insurance coverage. Pay your premium.

AIG's third-party reviews are relatively mixed. The carrier scored well below average for customer satisfaction in J.D. Power's 2022 U.S. Individual Life Insurance Study, with a score of just 744 out of 1,000 points.

AIG has been in business for over 100 years, a sign of long-term financial stability. They also rank above average in customer satisfaction for their annuity business, according to JD Power.

In most cases your premium payments will be forfeited, and you will not receive anything for your previous payments. The one exception to this is if you have whole life insurance and cancel it. You may have built up equity for all of the payments you have made so you may receive a lump sum payment from your insurer.

You can usually withdraw part of the cash value in a permanent life policy without canceling the coverage. Instead, your life insurance beneficiaries will receive a reduced payout when you die. Typically you won't owe income tax on withdrawals up to the amount of the premiums you've paid into the policy.