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AIG Direct Final Expense Insurance Review


ConsumersAdvocate.org Rating: 5 / 5 (Excellent)
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AIG Direct was established in 1995 and is an American International Group, Inc. (AIG) company. AIG is a leading global insurance organization serving commercial, institutional, and individual customers in more than 80 countries and jurisdictions. AIG common stock is listed on the New York Stock Exchange.

How is AIG Direct rated?

Breakdown

5.0/5
Policy Features
5.0/5
Qualifications
4.9/5
Financial Strength
4.9/5
Customer Experience

Overall Rating: 5 / 5 (Excellent)

AIG Direct offers final expense insurance with coverage up to $25,000. There's a coverage guarantee for consumers between the ages of 50 and 80 with no medical exam or health questionnaire required. The company has an A+ rating with the Better Business Bureau, which speaks to reliable customer service and customer satisfaction. AIG Direct is a subsidiary of the American General Life Insurance Company that has been graded A with A.M. Best, which indicates considerable financial strength. Another factor worth pointing out is that with AIG Direct's final expense insurance, the consumer gets living benefits at no cost, which could be very beneficial at a difficult time for consumers.

AIG Direct Policy Features

Policy Features - 5 / 5

AIG Direct offers final expense insurance to those between the ages of 50 and 80 and guarantees that consumers will not be turned down for health reasons. Customers do not have to pass a medical exam or answer a health questionnaire. The company also offers living benefits at no extra cost.

Policy Coverage Maximum

25000

Expenses Benefits Help Cover

  • Caskets
  • Funeral
  • Flowers
  • Cremation
  • Post-Funeral Reception
  • Newspaper Obituaries
  • Burial Plots
  • Headstone

Types of Insurance Products

  • Whole Life
Types of Premiums
Fixed
Restrictions on Benefit Usage
No
Accidental Death Coverage
Yes
Cash Value Accumulates
Yes

AIG Direct Qualifications

Qualifications - 5 / 5

In terms of qualifications, AIG Direct is very flexible when compared to other final expense insurance providers since they don't require the consumer to pass a medical test or answer questions about their health. As long as the consumer is between the ages of 50 and 80, they are guaranteed coverage. The company did not mention disqualifying factors on their webpage.
Age Range
50-80
Medical Exam Required
No

AIG Direct Financial Strength

Financial Strength - 4.9 / 5

AIG Direct, a subsidiary of American General Life Insurance Company, has an A financial rating on AM Best, which focuses on rating insurance agencies. The company also has many years of experience, having been founded in 1995. AIG Direct serves over a million customers.
Year Founded
1995
Company Type
Subsidiary/ Partner
Underwriter
American General
A.M. Best Financial Rating
A

AIG Direct Customer Experience

Customer Experience - 4.9 / 5

AIG Direct has an A+ rating with the Better Business Bureau. Although the company mostly has negative reviews on their profile, they are very few (9) when considering the amount of customers this company services (over a million). It's also worth noting that none of these negative reviews seem to be about AIG Direct's final expense insurance. Although the number of NAIC total complaints may seem high at 446, it's important to note that these statistics refer to the underwriter for AIG Direct, American General, which may be the underwriter for multiple insurance agencies. They do not refer to AIG Direct specifically.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
9
NAIC Complaint Ratio 2018
2.32
NAIC Total Complaints 2017
446
Date Collected
2019-10-11

Company Profile

Full Name
AIG Direct Final Expense Insurance
Company Website
Headquarters
9640 Granite Ridge Dr #200, San Diego, CA, 92123

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Customer Comments & Reviews

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C
Cindy B
1/9/2021
Very informative. Their performance rating and reviews are great, and the policy covers all of your funeral arrangements and than some. I would choose them.



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