AIG vs. Mutual of Omaha: Best Life Insurance Company in 2021

When comparing AIG vs. Mutual of Omaha, AIG life insurance rates for both men and women are slightly lower than rates from Mutual of Omaha. However, Mutual of Omaha comes in ahead of AIG for both A.M. Best and Better Business Bureau ratings. Compare AIG vs. Mutual of Omaha 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

  • AIG has slightly lower life insurance rates on average than Mutual of Omaha
  • Mutual of Omaha has a better A.M. Best rating than AIG
  • Mutual of Omaha also has a superior Better Business Bureau (BBB) rating than AIG and is also BBB accredited

There a lot of life insurance companies out there, and picking the best one for you can be difficult. Comparing providers side by side can help you make a decision. In this guide, we’ll break down the pros and cons of AIG vs. Mutual of Omaha life insurance companies.

Both AIG insurance and Mutual of Omaha insurance include products like term and permanent life insurance, as well as final expense coverage. However, you should shop around and compare rates and ratings before you choose between AIG vs. Mutual of Omaha life insurance.

You don’t have to limit your comparison shopping to just AIG vs. Mutual of Omaha. Enter your ZIP code now to compare life insurance quotes from multiple companies near you for free.

AIG vs. Mutual of Omaha: Which company offers more affordable rates to women?

Your life insurance rates are affected by many different factors, such as your age, gender, medical history, and hobbies.

This table compares average monthly AIG vs. Mutual of Omaha life insurance rates for women of different ages who don’t smoke.

AIG vs. Mutual of Omaha Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearMutual of Omaha Average Monthly Rates $100,000/20-year
25$10.60$10.36
30$10.69$10.45
35$11.07$10.97
40$11.50$13.20
45$14.42$16.81
50$19.81$22.66
55$27.46$31.78
60$47.89$53.11
65$81.95$90.34
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Until age 60, AIG and Mutual of Omaha have very similar monthly rates. After age 60, rates are still less than $10 apart. However, both companies offer higher rates as age increases, and rates will be higher for women who smoke.

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AIG vs. Mutual of Omaha: Which company offers more affordable rates to men?

Next, let’s look at the average monthly rates for AIG vs. Mutual of Omaha insurance for men who don’t smoke.

AIG vs. Mutual of Omaha Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearMutual of Omaha Average Monthly Rates $100,000/20-year
25$10.94$10.88
30$10.94$10.88
35$11.17$11.48
40$14.14$14.49
45$17.59$19.14
50$26.16$27.74
55$37.26$40.98
60$55.75$65.58
65$99.29$124.74
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Just as we saw with women, rates from AIG and Mutual of Omaha for men are close until age 60. At age 65, AIG is much cheaper than Mutual of Omaha.

Comparing AIG vs. Mutual of Omaha life insurance quotes may be tricky. While you can get an AIG quote online, you have to speak with an agent in order to get a Mutual of Omaha quote.

AIG vs. Mutual of Omaha: Which company is more well-reviewed?

You need to be able to trust your life insurance company to be there when you need it. This is why looking at a company’s ratings is just as important as comparing rates.

A.M. Best evaluates companies on their financial health. Ratings go from A++ all the way down to D. AIG received an A rating and Mutual of Omaha an A-, demonstrating that both companies have an excellent ability to meet financial obligations.

The Better Business Bureau’s ratings range from A+ down to F. AIG received a B and is not accredited. Mutual of Omaha received an A+ and is also BBB accredited.

Comparing AIG vs. Mutual of Omaha life insurance, there are a lot of similarities. Both companies are over 100 years old, and both offer term life, whole life, universal life, and final expense coverage.

Mutual of Omaha does have higher ratings than AIG, but you can’t get online quotes. You can add an accelerated death benefit rider to your policy with Mutual of Omaha.

In addition to online quotes, AIG requires no medical exams or waiting periods for some policies, but you must be at least 50 years old to sign up for whole life coverage.

To learn more, read our AIG life insurance review and our Mutual of Omaha life insurance review.

While it is possible to find affordable AIG vs. Mutual of Omaha life insurance, there are many other companies that offer affordable life insurance. Enter your ZIP code now to compare life insurance quotes from providers near you for free.

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