AIG vs. Assurity: Best Life Insurance Company in 2021

When comparing AIG vs. Assurity, AIG has the cheaper life insurance rates for men and women over 40 years old. While AIG has a higher A.M. Best rating, the Assurity Life Insurance Company has a higher BBB rating. Compare AIG vs. Assurity life insurance rates, ratings, and products 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. Assurity, AIG has cheaper rates for men and women over 40 and similar rates to Assurity for men and women under 40.
  • AIG has a slightly better A.M. Best rating than Assurity.
  • Assurity has a much better Better Business Bureau rating than AIG.

You have a range of choices when it comes to life insurance. It can be difficult to choose the best company for you but comparing them side by side can help you narrow down your options. We’ll compare rates and ratings of AIG vs. Assurity 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 insurance coverages like universal and whole life. Before deciding to buy AIG vs. Assurity life insurance, shop around and compare companies.

But don’t limit yourself to just AIG vs. Assurity. Compare other companies also to see which one best suits your needs. Enter your ZIP code now to compare free life insurance quotes from multiple companies near you.

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

Your life insurance rates are influenced by a variety of factors. Your age, gender, and medical history are all important considerations.

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

AIG vs. Assurity Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearAssurity Average Monthly Rates $100,000/20-year
25$10.60$8.70
30$10.69$8.70
35$11.07$10.09
40$11.50$12.44
45$14.42$16.53
50$19.81$24.71
55$27.46$35.76
60$47.89$56.64
65$81.95$98.40
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AIG life insurance is cheaper than Assurity life insurance for women over 40 years old. Before age 40, the rates are very similar.

Keep in mind, rates will be higher if you smoke or have certain medical conditions.

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

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

AIG vs. Assurity Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearAssurity Average Monthly Rates $100,000/20-year
25$10.94$9.83
30$10.94$9.83
35$11.17$11.05
40$14.14$14.62
45$17.59$20.45
50$26.16$31.06
55$37.26$47.50
60$55.75$80.21
65$99.29$128.76
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As with average rates for women, Assurity life insurance is more expensive than AIG insurance for men over 40 years old. For men under 40, the rates for both companies are within pennies of each other.

Comparing AIG vs. Assurity life insurance quotes is relatively easy since you can get online quotes from each company through their websites.

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

When it comes to selecting a life insurance provider, rates are important. However, the company with the lowest rates might not be the best for you if you can’t trust them to be there when you need them.

A.M. Best evaluates a company’s financial health. Ratings go from an A+++ all the way down to a D. AIG was rated an A and Assurity received an A-, meaning they both have excellent abilities to meet financial obligations.

The Better Business Bureau’s (BBB) ratings range from an A+ down to an F. AIG received a B, while Assurity received an A+. Also, the Assurity Life Insurance Company is accredited and AIG is not.

Each company offers other types of services as well. For example, AIG offers annuities and retirement services, as well as life insurance. You can also get AIG travel insurance or mutual funds. Assurity offers annuities as well as life insurance.

Our AIG Life Insurance Review and our Assurity Life Insurance Review provide more information about each company.

While it’s possible to find affordable AIG or Assurity life insurance, make sure to compare rates and ratings to determine if either company is right for you.

But you have other options besides choosing AIG vs. Assurity life insurance. There are many other companies that offer 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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