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

When comparing AIG vs. North American, North American life insurance rates are cheaper for both men and women. North American also has higher A.M. Best and Better Business Bureau ratings than AIG. Compare AIG vs. North American 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: Jun 3, 2021

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Quick Facts

  • North American life insurance is generally cheaper than AIG
  • North American insurance also has higher A.M. Best and Better Business Bureau (BBB) ratings than AIG
  • AIG is not accredited by the BBB, but North American is accredited

When it comes to life insurance, you have many different companies to choose from. The best way to make a decision is to compare insurers side by side. We’ll evaluate the rates and ratings of AIG vs. North American life insurance companies to see which one is best for you.

AIG and North American offer various types of permanent life insurance, as well as other products like annuities. Before you choose between AIG vs. North American life insurance, shop around and compare rates, products, and ratings.

You don’t have to limit your comparison to just AIG vs. North American insurance. Compare other companies to find the one that best suits your needs. Enter your ZIP code now to see life insurance quotes from multiple companies near you.

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

There are many different factors that affect your life insurance rates, such as your age, gender, and medical history.

This table compares the average AIG vs. North American life insurance rates for non-smoking women of various ages.

AIG vs. North American Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearNorth American Average Monthly Rates $100,000/20-year
25$10.60$8.89
30$10.69$9.06
35$11.07$9.24
40$11.50$11.00
45$14.42$14.43
50$19.81$19.18
55$27.46$28.07
60$47.89$41.27
65$81.95$66.00
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In general, North American life insurance is cheaper for women than AIG insurance. This is particularly the case for women ages 65 and older.

Keep in mind that your rates will be higher if you smoke or have other health issues.

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

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

AIG vs. North American Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearNorth American Average Monthly Rates $100,000/20-year
25$10.94$11.26
30$10.94$11.26
35$11.17$11.26
40$14.14$13.55
45$17.59$17.25
50$26.16$23.58
55$37.26$35.38
60$55.75$57.38
65$99.29$103.75
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Until age 50, the average rates for the two companies are pennies apart, although North American comes out cheaper. Also, note that rates from both companies almost double from age 60 to 65.

It can be tricky to compare AIG vs. North American life insurance quotes since you can’t get North American life insurance quotes online. However, you can get AIG insurance quotes through the company’s website.

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

Ratings are also important when choosing a life insurance company. The company with the cheapest rates might not be the most reliable. You want to know you can trust your life insurance provider to come through when you need it.

A.M. Best evaluates insurance companies on their financial health. Ratings go from A++ all the way down to D. AIG received an A, while North American received an A+. Both companies show an excellent ability to meet financial obligations.

The Better Business Bureau’s rating scale goes from A+ down to F. AIG received an A rating, and North American once again received an A+. Although North American is accredited, AIG is not.

AIG and North American share similar rates and ratings, but they offer different products.

North American only offers whole life insurance, final expense coverage, and annuities. You have to speak with an agent to get a quote from North American.

AIG, on the other hand, offers term life, as well as universal and whole life coverages. AIG also offers annuities, mutual funds, and retirement services, and you can get a quote online.

To learn more, read our AIG life insurance review and our North American company life and health insurance review.

We’ve discussed your options for affordable AIG vs. North American life insurance. Compare the products, rates, and ratings to decide if either company is right for you.

Keep in mind that you don’t have to choose between AIG vs. North American life insurance. There are many other companies out there that offer affordable life insurance. Enter your ZIP code now to compare life insurance quotes from companies near you for free.

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