Disclaimer:  We are not AIG Direct.

Before I get into our AIG Direct review, we are not a direct part of AIG. We are independent brokers..  We also represent AIG life insurance products and think they’re a fine insurance company, but they’re just not for everyone.

Don’t apply for a plan before you check out some of the competition. Luckily, you don’t have to do the research yourself. We’ve done reviews on companies like, Zander Insurance, Primerica Life Insurance and United Home.

Maybe you’re looking for your first life insurance policy. Maybe you have a less than perfect plan you want to replace, like a FEGI retirement benefit policy. Regardless, we can connect you with an excellent policy.

I’m writing this article because of all our clients who started with AIG Direct, but found better rates with us simply because we recommended someone other than AIG.  If you’re just looking to compare quotes, use our instant life insurance quote tool.

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.

Update: American General changed their name to AIG.

American General (AIG) is a great life insurance carrier. They have great grades from all of the third-party companies out there.

They are the best company for some, but they aren’t the best for everyone. Maybe AIG works for you, maybe it won’t. If it doesn’t, you should work with someone who represents a lot of carriers at once.

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 in many cases.
  • 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 work with the wrong carrier.
  • 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 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

Much better.

The reviews of AIG Direct Life Insurance Agency we’re hearing from consumers aren’t that great.  That’s probably the reason many are still on the search for life insurance after contacting them. Read more about our top picks for the best life insurance companies to help you make your decision.

The reviews on the internet aren’t much better.  We understand that working with a call center leaves a lot to be desired.  Especially for such an important financial commitment to protect your family.

You probably heard of AIG Direct on TV or the Radio because of their big marketing budget.  I mean, they’re owned by one of the biggest life insurance companies in America, they can outspend anyone out there.  However, that doesn’t mean they have the best service.  AIG Direct simply outspends any true independent agency.

So don’t confuse brand recognition for providing the best rates and service.


Calculating How Much Life Insurance to Buy

Regardless of the company that you choose, it’s essential that you purchase enough insurance protection. The vast majority of Americans that have life insurance are under insured. If something tragic happened, their family wouldn’t have enough money.

Have you do make sure this won’t happen? Calculate your needs first.

Add up your debts, multiply your annual salary, and the sum of these numbers is your life insurance need. Your plan should accomplish two things, pay off your debt and replace your paycheck.

Bottom Line

If you value working with a knowledgeable agent that provides personable service, we’re your agency.  We’ll make sure you secure the best life insurance rates available for your situation.


Want to get cheap life insurance? Your first step should be to call us.
Call us, answer a few questions, and then we will bring you cheap life insurance. It’s so easy, you have no reason to wait any longer.

Other Offered Life Insurance Company Reviews

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.

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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

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,

April 14, 2013 at 5:21 am
    Jeff Root

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

    April 14, 2013 at 2:54 pm

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

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?



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

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


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

    December 20, 2013 at 12:26 am
Nanette Peeters

My husband and I both need life insurance. I only have AD&D and my husband has nothing. We’d also like to get our girls insured (8 & 10) as awful as it would be to receive that money, they need to be insured. I have had cancer – soft tissue, in 2008; and re-occurred in my lungs in 2011. I was clean with my last scan in April of this year. My husband has never been diagnosed with cancer – and until my diagnosis, we did not have a cancer history in my family. My husband and I would each need 250,000 policy – so the other could cover costs and pay off the mortgage should anything happen. Thanks.

October 13, 2014 at 1:01 pm
Betty Amaya

I’m looking for a 10 or 15 year life insurance policy for my husband (65 yrs old). His current policy is up for renewal. Also, looking for life insurance for myself (62 yrs old).
Thank you,

November 4, 2014 at 1:33 pm
Jeff Root

Thanks for reaching out. We’ve e-mailed both of you. You can call us at 888-430-7668 as well.

November 23, 2014 at 12:26 am

Can u tell me who to use for a 67 yr old female smoker. Looking for 10 yr and 15 yr 100k and 125k

September 26, 2017 at 6:24 pm
    Jeff Root

    It depends on your health situation. Every life insurance company will look at your risk differently. We’ll reach out by e-mail to get more information and then will recommend the best carrier. Thanks for reaching out.

    September 28, 2017 at 10:16 am
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