AIG vs. Prudential: Best Life Insurance Company in 2021

AIG vs. Prudential life insurance rates show that AIG is the cheaper term life insurance provider. A.M. Best, S&P, and other rating agencies all rate Prudential higher than AIG for financial strength. Prudential and AIG both offer life insurance riders to make life insurance policies more flexible despite not offering discounts.

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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

  • The AIG vs. Prudential life insurance rates are consistently cheaper with AIG
  • Both AIG and Prudential have strong financial ratings although Prudential is superior
  • Life insurance riders with AIG and Prudential offer flexibility for policyholders

When looking for life insurance, it could be worthwhile to compare top companies like AIG vs. Prudential who both provide competitive term life insurance quotes.

Getting quotes for life insurance can be confusing. We’ll compare the Prudential and AIG life insurance rates, financial strength ratings, and more to help you decide which company is best for you.

Ready to learn more about AIG vs. Prudential? Don’t forget to get quotes from other top insurers using our free quote tool above. Just a few clicks could save you money today.

AIG vs. Prudential: Who is the best term life insurance company?

AIG and Prudential are both staples in the insurance industry. Each company has been operating for many years and established a respected brand name. Is AIG life insurance any good?

American International Group, or AIG, is well-known for providing more than just life insurance. For example, AIG travel insurance is one of the more popular products the company offers. How good is Prudential life insurance?

Prudential is also a multifunctional insurance provider, offering health insurance, life insurance, and more. Prudential has a nice assortment of products that can be purchased by individuals or employers.

So, what is the best life insurance company? Choosing the premier life insurance depends on what your needs are. You’ll find that some companies offer better rates, some offer better service, some offer flexible policies, and so on.

In this article, we’ll compare the rates, ratings, reviews, and any other relevant info for term life insurance products with Prudential and AIG. Which large insurer will be the best?

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AIG vs. Prudential: Which company has cheaper life insurance?

Life insurance is a unique expense since you typically pay monthly premiums and may or may not ever use your insurance policy. This is the downside of buying life insurance when you are younger, but there is a lot of upside to making that investment early, too.

Sample AIG Life Insurance Average Monthly Rates by Age, Gender, and Coverage
Gender and CoverageAge 25 Average Monthly Rates Age 35 Average Monthly Rates Age 45 Average Monthly Rates Age 55 Average Monthly Rates
$100,000: 20-Year Term (Male)$10.94$11.17$17.59$37.26
$100,000: 20-Year Term (Female)$10.60$11.07$14.42$27.46
$250,000: 20-Year Term (Male)$12.90$13.53$28.28$69.89
$250,000: 20-Year Term (Female)$11.33$12.69$23.06$52.58
$500,000: 20-Year Term (Male)$19.57$21.28$48.60$124.83
$500,000: 20-Year Term (Female)$16.67$18.37$38.47$90.58
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You’ll see above that the AIG life insurance rates become increasingly expensive as you age. Life insurance rates revolve around risk and simply put, older adults are more likely to become deceased than younger adults.

Because of how life insurance pricing works, age is a main factor in how term life insurance quotes are determined. Other factors include hobbies, occupation, health status, family history, gender, and more.

Sample Prudential Average Monthly Life Insurance Rates by Age, Gender, and Coverage
Gender and CoverageAge 25 Average Monthly RatesAge 35 Average Monthly RatesAge 45 Average Monthly RatesAge 55 Average Monthly Rates
$100,000: 20-Year Term (Male)$14.70$15.49$20.39$37.28
$100,000: 20-Year Term (Female)$12.87$13.13$19.17$28.88
$250,000: 20-Year Term (Male)$19.03$20.78$29.97$71.53
$250,000: 20-Year Term (Female)$16.41$17.72$29.10$53.82
$500,000: 20-Year Term (Male)$30.63$34.13$52.50$135.63
$500,000: 20-Year Term (Female)$25.38$28.00$50.75$100.19
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You’ll notice that Prudential’s life insurance rates also increase with age and policy amount. These are standard practices in the life insurance industry although some companies weigh each factor differently.

Average AIG vs. Prudential Average Monthly Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (AIG) Average Monthly Rates 10-Year Term (Prudential) Average Monthly Rates20-Year Term (AIG) Average Monthly Rates20-Year Term (Prudential) Average Monthly Rates30-Year Term (AIG) Average Monthly Rates30-Year Term (Prudential) Average Monthly Rates
25 - Male$10.34$18.16$12.90$19.03$18.94$20.35
25 - Female$9.57$15.53$11.33$16.41$15.49$17.94
35 - Male$11.67$19.25$13.53$20.78$21.08$23.19
35 - Female$11.08$15.53$12.69$17.72$18.89$21.00
45 - Male$17.95$23.63$28.28$29.97$46.47$49.44
45 - Female$16.46$22.75$23.06$29.10$38.98$40.03
55 - Male$41.68$42.88$69.89$71.53$132.37$148.53
55 - Female $31.68$34.35$52.58$53.82$107.73$105.44
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At first glance, the AIG vs. Prudential life insurance rates shows that AIG is much cheaper for younger adults, especially for a 10-year term. It does appear that the rates become more comparable between AIG and Prudential for older adults with long-term policies.

Overall, AIG consistently has cheaper life insurance rates than Prudential, but due to other factors in pricing, it’s still important to get personalized AIG vs. Prudential life insurance quotes.

AIG vs. Prudential: Which company has better ratings?

When shopping for life insurance, it’s clear that price is important. This is a long-term commitment for you and your family, so you want to be sure you aren’t overpaying.

Even so, life insurance rates shouldn’t be your only concern. Before you rush to buy AIG vs. Prudential life insurance, you’ll want to take a look at each company’s ratings to see if either company stands out against the other.

Ratings Comparison for AIG vs. Prudential
Ratings AgencyAIG RatingPrudential Rating
A.M. BestAA+
Better Business Bureau (BBB)FNR
Fitch's RatingsA+AA-
J.D. Power742759
Moody'sA2Aa3
Standard & Poor's (S&P)A+AA-
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Despite having better life insurance rates, AIG doesn’t appear to have superior ratings for financial strength or customer satisfaction when compared to Prudential.

A.M. Best, Standard & Poor, Fitch, and Moody’s have all rated Prudential higher than AIG for financial strength. Though the AIG ratings are still strong, it’s worth noting that Prudential is in better standing.

Beyond financial strength, Prudential also has a higher J.D. Power rating for customer satisfaction. Both companies are actually below the industry average, though Prudential is much closer to the average than AIG.

Prudential appears to be the better company for reliability both financially and with customer satisfaction.

AIG vs. Prudential: What discounts and riders are offered?

When comparing AIG vs. Prudential life insurance products, you’ll see that there are quite a few similarities between the two companies. Unfortunately, one of those is that neither company offers any life insurance discounts.

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Both companies also offer many of your standard life insurance riders. These are additional policy features that can usually help in case of an emergency. Some of the riders each company offers include:

  • Waiver of Premium
  • Children’s Protection
  • Accelerated Death Benefit
  • Accidental Death Benefit

Prudential does offer some different variations of its riders, so you’ll want to learn more about life insurance riders before you finish underwriting.’

If you decide to pursue other AIG or Prudential products, you’ll likely be able to combine them into one bill. For example, using the AIG login you can likely access and pay for your AIG insurance, AIG retirement, AIG auto insurance, and AIG stock market investments.

Like with AIG, you can use your Prudential insurance login to pay your Prudential insurance premium or add additional products.

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AIG vs. Prudential: What are the pros and cons?

Choosing the right life insurance policy can be tough. When selecting between two insurance powerhouses like AIG and Prudential, it can be even harder.

Big-name insurance companies have grown because they tend to offer competitive rates, strong policy options, and they are typically convenient for customers.

Below, we highlight the important details we’ve covered about AIG insurance vs. Prudential insurance.

Pros

  • Strong Financial Ratings (Both Companies – Prudential rated higher)
  • Competitive Rates (Both Companies – AIG being cheaper)
  • Convenient Mobile App (Both Companies)
  • Flexible Policy Riders (Both Companies)

Cons

  • No Discounts (Both Companies)
  • Below Average Customer Satisfaction (Both Companies)

Life insurance between Prudential vs. AIG appears to have a lot in common. For the most part, both companies offer competitive rates and are in good financial standing. You should feel safe purchasing a policy from either company.

AIG vs. Prudential: The Bottom Line

When committing to a life insurance policy, it’s helpful to know what to expect for rates, ratings, and the customer service experience. In this case, AIG tends to be cheaper while Prudential boasts better ratings.

Before you shop your own AIG vs. Prudential life insurance rates, you’ll want to see what other companies have to offer. Get instant rates from top life insurance providers with our free quote tool below.

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