AIG vs. American National: Best Life Insurance Company in 2021

When comparing AIG vs. American National, AIG has cheaper life insurance rates for both women and men. Although both AIG and American National have excellent A.M. Best ratings, AIG received a B rating from the BBB and American National isn’t rated. Compare AIG vs. American National life insurance ratings and rates to determine if either company is right for you.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Quick Facts

  • When comparing AIG vs. American National, AIG has cheaper average rates for both men and women.
  • Both companies have an A rating with A.M. Best
  • AIG received a B rating from the Better Business Bureau, and American National isn’t rated.

When it comes to life insurance, you have a lot of options. It can be hard to decide which company is right for you, but comparing them one-on-one can help you narrow down your choices. We’ll compare rates and ratings of AIG vs. American National life insurance companies to help you determine if either is the right fit for you.

Both companies offer a variety of life insurance options, including term and permanent life coverages. Before deciding to buy AIG vs. American National life insurance, shop around and compare companies.

But you don’t have to just choose between AIG vs. American National. Compare other companies as well to see which one best suits your needs. Enter your ZIP code now to compare life insurance quotes for free from multiple companies near you.

AIG vs. American National: Which company offers more affordable rates to women?

Many different factors influence your life insurance rates. Some of the most important factors are your age, gender, and medical background.

This table shows you the average AIG vs. American National life insurance rates for non-smoking women of various ages.

AIG vs. American National Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearAmerican National Average Monthly Rates $100,000/20-year
25$10.60$14.17
30$10.69$14.17
35$11.07$15.81
40$11.50$19.18
45$14.42$24.80
50$19.81$33.61
55$27.46$47.17
60$47.89$75.77
65$81.95N/A
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AIG life insurance rates are cheaper than American National for women of all ages. However, rates do go up with age, and American National doesn’t offer life insurance for women aged 65 and older.

Also, if you smoke or have certain medical issues, your rates will be much higher.

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Your life insurance quotes are always free.

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AIG vs. American National: Which company offers more affordable rates to men?

Now, let’s compare average AIG and American National insurance rates for men who don’t smoke.

AIG vs. American National Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearAmerican National Average Monthly Rates $100,000/20-year
25$10.94$15.98
30$10.94$16.16
35$11.17$16.68
40$14.14$21.51
45$17.59$30.76
50$26.16$43.63
55$37.26$65.06
60$55.75$108.95
65$99.29N/A
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AIG insurance is also the cheaper option for men. As with women, American National doesn’t offer coverage for men aged 65 and older. Also, rates may be higher for men who smoke or have certain medical conditions.

It might be difficult to easily compare AIG vs. American National life insurance quotes since American National doesn’t offer online quotes. While you can get AIG quotes online, you must speak with an agent for American National quotes.

AIG vs. American National: Which company is more well-reviewed?

Rates are important when you’re choosing a life insurance company. But if you can’t trust the company to be there when you need it, the company with the lowest rates may not be the best one for you.

A.M. Best assesses a company’s financial wellbeing. Ratings go from an A+++ all the way down to a D. Both AIG and American National received an A rating, meaning they have excellent abilities to meet financial obligations.

The Better Business Bureau (BBB) ratings range from an A+ down to an F. AIG received a B rating, while American National isn’t rated at all. Neither company is accredited.

Each company offers other types of services as well. For example, American National offers annuities, auto insurance, and credit protection on loans. AIG offers annuities and retirement services, as well as life insurance. You can also get AIG travel insurance or mutual funds.

To learn more about each company, read our AIG Life Insurance Review and our American National Life Insurance Review.

Compare products, rates, and ratings to decide if either company is right for you and if it is possible to find affordable AIG vs. American National life insurance based on your individual circumstances.

It’s important to remember that you don’t have to just choose between AIG vs. American National life insurance. There are many other companies that have low-cost life insurance. Enter your ZIP code now to compare life insurance quotes from various companies in your area for free.

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