Before I get into my AIG Direct review, let me clarify that I'm an independent life insurance agent who is very familiar with their call center operation.

AIG Direct seems to be everywhere on TV and is quickly becoming a household name. In this article, I'll cover:

AIG Direct Review
 

1. Who they are.
2. Where they fall short.
3. Why you can do better.


Who is AIG Direct?

Lets start with who they are because that isn't obvious on any of their advertisements. AIG Direct is a marketing arm of Matrix Direct who is owned by American General whose parent company is AIG. Did I confuse you? It confuses everyone I speak with. In a nutshell, you are contacting American General for life insurance rates.

American General is a great life insurance company. They have a strong financial rating and are in SOME cases the best option. However, life insurance isn't one size fits all. Every life insurance company will look at you differently and the key in finding the best rate is finding a life insurance company that will look most favorably at your situation.

AIG Direct DOES NOT search the market for the best rate.

Where does AIG Direct fall short?

  • Selection of life insurance companies. AIG Direct doesn't take the time to find the best option on the market. American General IS their best option.  You're better off finding an independent agency who isn't married to a specific company. We replace AIG Direct policies all the time because we can significantly reduce their premiums.
     
  • Incompetent for health impairments. Many of our clients come to us because they were declined by AIG Direct and American General. In most cases, we're able to find them affordable coverage. We're impaired risk specialists and will take the time to do the research and call our underwriters on your behalf BEFORE we proceed with an application. It's not the consumers fault when they get declined - your agent just used the wrong company for your risk.
     
  • AIG Direct is a high volume call center. Think of your AIG Direct "agent" as someone in a cubicle, reading from a script and under pressure to meet their sales quota. I visited their operation in San Diego years ago and met some of their call center agents. Trust me when I say you're merely a number to them. You won't ever hear from your agent again. 

You can do better

An independent agency like Root Financial isn't married to any company. We represent over 60 life insurance carriers and often times replace AIG Direct policies with much less expensive options.

We choose to spend the time researching your best options and answering ALL your questions until you are comfortable applying for coverage. As opposed to AIG Direct's model of mass production and scripted sales.

Since we spend so much time up front, we only work with those serious about purchasing life insurance. If you are serious about protecting your family, please don't hesitate to contact us.
 

Instant Quote

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About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

View all posts by Jeff Root

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13 Comments


Chris Moore

I read your review only after I got the ball rolling with American General. I would be intersted in hearing from someone there as to other options, but was wondering: If I apply for life insurance from several different firms, won’t it hurt my chances to get a policy?

July 19, 2012 at 5:50 pm
    Jeff Root

    Absolutely not. You can apply with multiple carriers and take the best rate offered if you wish. I’ve sent you an email.

    December 20, 2013 at 12:28 am
Mike

I am currently insured with met life but would like a quote on 100k level prem. term for 15 yrs.

July 24, 2012 at 12:50 pm
tony monaco

my wife and i are looking for good life insurance at a good price i am 71 my wife is 64 we are now with farmers and our policies are coming due we are both in good health i do smoke my wife does not if you can come up with a good term 10000 and a 200000 at a good price you email me if not do not email me thanks for your time tony

July 26, 2012 at 10:35 pm
Jeff Root

Chris, Mike and Tony – I’ve replied via email to all 3 of you.

If anyone needs any help with their life insurance, please call us or fill out our quote request form instead of commenting.

August 24, 2012 at 10:28 am
Mark Mafnas

Hi Jeff,
Just wondering what your opinion is on ‘Primerica’ life insurance company.
I’m 51, paying around $68 p/m on 100k. Is there someone out there offer smaller premium for the same coverage?

thank you,
Mark

April 14, 2013 at 5:21 am
    Jeff Root

    Mark – Absolutely. I’ve sent you an email.

    April 14, 2013 at 2:54 pm
Allen

Looking for quotes for 100,000 or 250,000 term life policy. Talked to AIG, Matrix, whatever they are and they scheduled a guy to meet me. I don’t really know too much about this and would like some more information. I’m 51 years old, excellent health, don’t smoke, never been to a hospital for anything but stitches and broken bones.
I talked to a guy that I get my car insurance from and he recommended Alliance Financial Group. I spoke to the guy, and he showed me on his laptop all the competing companies, but recommended Guardian. I saw on the back of his business card that his company PAS is owned by Guardian. I had him send me the application via email and was very surprised at the questions. They ask if you have ever received treatment for any illness, but also did you think you had the symptoms and never sought medical attention. I didn’t like the sound of that.
Anyway, I’m still making my decision, so call me if you think you can help with the situation.

April 17, 2013 at 7:58 am
    Jeff Root

    Alan, I’ve sent you an email

    December 20, 2013 at 12:24 am
Sandra

My husband would like a quote on 500k term for 20yrs. Can you provide us a quote or recommendations of a life insurance company? What do you think of Transamerica?

Thanks

Reply

Read more: link to rootfin.com

May 15, 2013 at 7:10 pm
    Jeff Root

    Sandra, I’ve sent you an email.

    December 20, 2013 at 12:25 am
Chris

Hello Jeff, is term life or whole life better? And what is the difference. I’m 55yr old and looking for life insurance

September 20, 2013 at 2:16 pm
    Jeff Root

    Chris,

    It depends on your situation. I’ve sent you an email to continue the conversation.

    December 20, 2013 at 12:26 am

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