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AIG offers a universal life policy that may work more like a term policy, where you select the number of years you want coverage. 8 However, unlike a term policy, you may be eligible to receive some or all of the premiums you paid back - or to continue permanent coverage for a reduced death benefit.

Surrender the policy for its current value. 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.

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.

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.

According to J.D. Power's 2021 U.S. Individual Life Insurance Company, the industry average overall customer satisfaction rating is 776. AIG receives a rating of 729. By contrast, the highest-ranked insurer, State Farm, had a rating of 822.

Benefits at AIG The benefits package at AIG includes a range of health, dental, and vision insurance options. Other types of insurance are available, too, such as business travel accident insurance, life insurance, and accidental death and dismemberment (AD&D) coverage.

Average AIG hourly pay ranges from approximately $12.49 per hour for Bilingual Customer Service Associate to $62.00 per hour for Senior Project Manager. Salary information comes from 1,158 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months.

The $10,000 refers to the face value of the policy, otherwise known as the death benefit, and does not represent the cash value of life insurance policy. A $10,000 term life insurance policy has no cash value. However, a permanent life insurance policy might.

An example is a cash value life insurance policy with a $25,000 death benefit. Assuming you don't take out a loan or withdraw, the cash value accumulates to $5,000.

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.

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.