AIG vs. Fidelity Life: Best Life Insurance Company in 2021

When it comes to comparing AIG vs. Fidelity Life, AIG life insurance rates for both men and women are cheaper than rates from Fidelity Life. Although AIG ratings from A.M. Best are slightly higher than Fidelity Life, Fidelity Life comes is ahead of AIG with the BBB. Compare AIG vs. Fidelity 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: Apr 22, 2021

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Quick Facts

  • When comparing AIG vs. Fidelity Life, AIG has cheaper life insurance rates for both men and women
  • AIG also has a higher A.M. Best rating than Fidelity Life
  • Fidelity Life has a higher rating from the Better Business Bureau (BBB) than AIG

You have many different companies to choose from to meet your life insurance needs. The best way to make a choice is to compare them side by side. We’ll evaluate the rates and ratings of AIG vs. Fidelity Life insurance companies to see if either is the right fit for you.

Each company offers various types of insurance, such as term and permanent life. However, you should shop around and compare rates, ratings, and products before you buy AIG or Fidelity Life insurance.

Also, don’t limit yourself to AIG vs. Fidelity Life. Compare other companies as well to find the one that best suits your particular needs. Enter your ZIP code now to compare life insurance quotes from multiple companies for free today.

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

Many factors affect your life insurance rates. Companies pay close attention to your age, gender, and medical history when determining your rates.

This table compares average AIG vs. Fidelity Life insurance rates for women of different ages who don’t smoke.

AIG vs. Fidelity Life Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearFidelity Life Average Monthly Rates $100,000/20-year
25$10.60$12.27
30$10.69$12.44
35$11.07$13.40
40$11.50$14.18
45$14.42$18.18
50$19.81$24.71
55$27.46$33.06
60$47.89$51.24
65$81.95N/A
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AIG life insurance is the cheapest for women of all ages. Fidelity Life doesn’t offer coverage to women 65 or older with its standard policies. With both companies, rates increase with age, and smokers will see much higher rates.

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

Next, let’s look at the average AIG vs. Fidelity Life insurance rates for men who don’t smoke.

AIG vs. Fidelity Life Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearFidelity Life Average Monthly Rates $100,000/20-year
25$10.94$12.96
30$10.94$12.96
35$11.17$13.66
40$14.14$15.49
45$17.59$20.79
50$26.16$30.89
55$37.26$42.80
60$55.75$77.69
65$99.29N/A
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Once again, AIG insurance is cheaper than Fidelity life insurance for men. As with women, Fidelity doesn’t offer coverage to men who are 65 or older.

It’s fairly easy to compare AIG vs. Fidelity Life insurance quotes since both companies offer quotes on their websites.

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

Ratings are also important when choosing a life insurance company. Even with the cheapest rates, if you can’t trust a company to come through for you when you need it, it’s not the right choice.

A.M. Best evaluates companies on their financial health. Ratings go from an A+++ all the way down to a D. AIG received an A rating and Fidelity Life received an A-, showing both companies have an excellent ability to meet financial obligations.

Better Business Bureau (BBB) ratings range from an A+ down to an F. AIG received a B and is not accredited. Fidelity Life received an A+ and is accredited.

Each company offers different products as well. AIG offers annuities, life insurance, retirement services, and mutual funds. You can even get AIG travel insurance. Fidelity Life offers various types of fast, no medical exam life insurance.

It’s also important to note that Fidelity Life is not the same company as Fidelity and Guaranty Life. Although Fidelity & Guaranty Life offers life insurance and annuities, it is not affiliated with Fidelity Life.

To learn more about each company, read our AIG Life Insurance Review and our Fidelity Life Association Review.

While it is possible to find affordable AIG and Fidelity Life insurance rates, there are many other companies out there that offer affordable life insurance. Enter your ZIP code now to compare life insurance quotes from different companies near you for free.

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