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:
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
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.
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.