AIG vs. Principal: Best Life Insurance Company in 2021

When you’re comparing AIG vs. Principal, Principal life insurance rates for both men and women are cheaper than AIG insurance rates. Principal also shows higher A.M. Best and BBB ratings than AIG. Compare AIG vs. Principal 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

  • On average, Principal life insurance rates are cheaper than AIG insurance rates
  • Principal insurance ratings are higher than AIG ratings
  • AIG is not accredited with the BBB, but Principal is

With so many life insurance options out there, it can be difficult to choose between them. In this guide, we’ll compare AIG vs. Principal life insurance companies to see if either can offer you the coverage you need.

While both AIG and Principal offer term and permanent life insurance options, rates, ratings, and products will vary by company. Shop around and compare the pros and cons before you choose between AIG vs. Principal life insurance.

However, don’t let your comparison stop with AIG vs. Principal. Many life insurance companies out there can offer you great rates on coverage. Enter your ZIP code now to compare life insurance quotes from companies near you for free.

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

Your life insurance acceptance and rates are determined by many different factors. Your age, gender, medical history, and hobbies will all affect your rates.

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

AIG vs. Principal Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $250,000/10-yearPrincipal Average Monthly Rates $250,000/10-year
25$9.57$9.84
30$9.57$9.99
35$11.08$10.15
40$13.59$11.90
45$16.46$16.06
50$22.33$21.44
55$31.68$30.23
60$46.08$43.01
65$84.00$67.59
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Principal life insurance rates are cheaper than AIG rates. However, rates do go up as age increases. Women ages 65 and older will pay the most with either company.

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

Next, we’ll look at average monthly rates for AIG vs. Principal life insurance for men.

AIG vs. Principal Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $250,000/10-yearPrincipal Average Monthly Rates $250,000/10-year
25$10.34$10.72
30$10.34$10.81
35$11.67$10.89
40$13.81$12.99
45$17.95$17.94
50$25.86$25.03
55$41.68$38.98
60$63.70$61.60
65$113.71$106.09
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Average rates for men are also cheaper with Principal. Just like with rates for women, men over age 65 will pay significantly higher rates.

It’s relatively easy to compare AIG vs. Principal life insurance quotes since both companies offer quotes online.

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

When it comes to life insurance, ratings are just as important as rates. You want a company that will be there when you need them, not just the cheapest option out there.

A.M. Best evaluates the financial health of insurance companies. Ratings go from A++ all the way down to D. AIG received an A rating and Principal received an A+, showing both companies have an excellent ability to meet financial obligations.

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

Although AIG and Principal have similar rates and ratings, the companies do offer different products.

Principal offers life and health insurance. You can get Principal dental insurance as well. The company also offers various IRAs, mutual funds, annuities, and retirement plans.

In addition to life insurance, you might be interested in AIG retirement services. However, there are no AIG stock services listed. You can also find AIG auto insurance, as well as health and travel insurance.

You can use your Principal or AIG login to access your various accounts and policies, which is always a convenient option.

To learn more, read our AIG life insurance review and our Principal National life insurance review.

You’ve seen the AIG vs. Principal life insurance rates, but 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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