AIG vs. Protective: Best Life Insurance Company in 2021

When comparing AIG vs. Protective, Protective has cheaper life insurance rates than AIG insurance for both men and women. Protective received higher A.M. Best and Better Business Bureau (BBB) ratings than AIG, but neither is accredited with the BBB. To decide if either company is best for you, compare AIG vs. Protective life insurance rates, ratings, and products.

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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

  • Protective life insurance rates are cheaper than AIG insurance rates
  • AIG has lower ratings than Protective with both A.M. Best and the BBB
  • Neither company is accredited with the BBB

When you’re seeking permanent or term life insurance quotes, it can be difficult to determine which company might best suit your needs. In this guide, we’ll compare AIG vs. Protective life insurance companies head to head to help you decide if either is right for you.

Both companies have a variety of life insurance options, as well as other services. Shop around and compare rates, products, and ratings before you decide between AIG vs. Protective life insurance.

You don’t have to limit your comparisons to AIG vs. Protective. Enter your ZIP code to compare life insurance quotes from multiple companies near you today.

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

There are many different factors that determine your life insurance rates. Your age, gender, medical history, and hobbies can all affect what you pay.

This table shows you the average monthly AIG vs. Protective life insurance rates for women who don’t smoke. Keep in mind, rates for women who do smoke will be higher.

AIG vs. Protective Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearProtective Average Monthly Rates $100,000/20-year
25$10.60$8.13
30$10.69$8.13
35$11.07$8.76
40$11.50$10.08
45$14.42$13.21
50$19.81$18.06
55$27.46$24.72
60$47.89$36.41
65$81.95$63.10
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AIG insurance rates are higher than Protective rates for women of all ages. However, with both companies rates go up significantly with age. In fact, rates nearly double from ages 60 to 65.

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

Now, let’s look at the AIG and Protective average monthly rates for men.

AIG vs. Protective Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearProtective Average Monthly Rates $100,000/20-year
25$10.94$8.89
30$10.94$8.92
35$11.17$9.36
40$14.14$11.22
45$17.59$15.84
50$26.16$21.93
55$37.26$33.19
60$55.75$52.41
65$99.29$97.28
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Once again, the Protective monthly life insurance rates are cheaper than the AIG rates, and there is a large jump in rates from ages 60 to 65.

It’s easy to compare AIG vs. Protective life insurance quotes since both companies offer them online. You can also get a quote over the phone by calling the Protective insurance phone number at (844) 733-5433.

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

Ratings are significant when you’re looking for a life insurance company. You want a company that you can trust to take care of your loved ones when you’re gone.

A.M. Best assesses a company’s financial wellbeing. Ratings go from an A++ all the way down to D. AIG received an A, showing it has an excellent ability to meet financial obligations. Protective received an AA- rating, showing a very strong ability to meet financial obligations.

Better Business Bureau (BBB), ratings range from A+ down to F. AIG received a B rating and Protective received an A+. Neither company is accredited with the BBB.

Although AIG and Protective have similar ratings, they offer different products in addition to life insurance.

Protective offers term, whole, and universal life insurance options, as well as annuities, commercial mortgages, and asset protection plans.

AIG retirement services are available in addition to life insurance. There are no AIG stock services listed, however. AIG auto insurance, life insurance, and travel insurance are also available.

Both companies have websites, and you can access your account at any time using your Protective or AIG login. You can also file AIG or Protective insurance claims through the respective websites.

To learn more, read our AIG life insurance review and our Protective Life insurance review.

If you’re still weighing your options between affordable AIG vs. Protective life insurance, compare products, rates, and ratings to decide if either company is right for you.

It’s important to remember that you don’t have to choose between AIG vs. Protective life insurance. There are many other companies that offer low-cost life insurance. Enter your ZIP code now to compare life insurance quotes from companies in your area for free.

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