AIG vs. SBLI: Best Life Insurance Company in 2021

When comparing AIG vs. SBLI, AIG insurance is more expensive than SBLI life insurance for both men and women. However, SBLI doesn’t offer coverage to anyone aged 65 or older. While AIG has a higher rating with A.M. Best, SBLI has a higher Better Business Bureau rating and is accredited. AIG and SBLIA life insurance policies include both term and whole life options, and both offer a no-medical-exam option.

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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

  • SBLI insurance rates for men and women are cheaper on average than AIG insurance rates
  • AIG has a higher A.M. Best rating than SBLI
  • SBLI has a higher Better Business Bureau (BBB) rating than AIG, and SBLI is accredited while AIG is not

When it comes to life insurance, there are many companies to choose from and comparing them side by side can be an effective way to make a decision. In this guide, we’ll compare AIG vs. SBLI life insurance companies to see which is the right fit for you.

Both companies offer a wide range of term and permanent life insurance policies, as well as a number of other products. Before you choose between AIG vs. SBLI life insurance, shop around and compare prices, products, and ratings.

Read on to learn what you need to know to compare AIG vs. SBLI. Enter your ZIP code now to see life insurance quotes from multiple companies near you today.

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

A number of variables affect your life insurance rates, including your age, gender, and medical history.

The average monthly AIG vs. SBLI life insurance rates for non-smoking women of different ages are shown in this table.

AIG vs. SBLI Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearSBLI Average Monthly Rates $100,000/20-year
25$10.60$8.67
30$10.69$8.75
35$11.07$9.07
40$11.50$11.05
45$14.42$14.05
50$19.81$19.31
55$27.46$26.76
60$47.89$39.41
65$81.95N/A
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SBLI life insurance rates are cheaper for women than AIG rates. However, some SBLI policies are not available to women ages 65 and above.

You should also keep in mind that if you smoke or have other health issues, your rates will be higher.

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

Now, let’s compare the average monthly AIG vs. SBLI life insurance rates for men who do not smoke.

AIG vs. SBLI Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearSBLI Average Monthly Rates $100,000/20-year
25$10.94$9.50
30$10.94$9.50
35$11.17$9.72
40$14.14$11.64
45$17.59$17.14
50$26.16$23.59
55$37.26$36.31
60$55.75$61.63
65$99.29N/A
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Again, SBLI life insurance rates are lower, but some policies aren’t available to men ages 65 and older.

It’s very easy to compare AIG vs. SBLI life insurance quotes since both companies offer online quotes. Both companies also offer you help online to decide what type of life insurance fits your needs.

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

Ratings are also important when choosing a life insurance company. A company may have the best deals, but if you can’t trust them to deliver when you need it, it’s not the best fit for you. Let’s look at AIG and SBLI insurance reviews and ratings.

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 SBLI received an A-, showing both companies have an excellent ability to meet financial obligations.

The Better Business Bureau ratings range from A+ down to F. AIG received an A rating but is not accredited. SBLI received an A+ rating and is accredited.

Both companies offer online quotes and allow you to access your account with your SBLI or AIG login.

SBLI term life insurance comes in several different forms, and the company also offers whole life, final expense coverage, and additional riders that allow you to customize your coverage. You can also get accelerated underwriting and coverage with no medical exam.

AIG offers term, universal, and whole life insurance policies with a number of flexible options. For example, there are 18 different term variations for its term life insurance, and there are no medical exams required for AIG whole life coverage.

AIG offers more than just life insurance. Although AIG stock services aren’t available, you can purchase AIG retirement services. AIG auto insurance, travel insurance, annuities, and mutual funds are also available.

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

We’ve gone over your options for affordable AIG vs. SBLI life insurance. Compare products, rates, and ratings to decide if either company is right for you based on your individual needs and circumstances.

Hopefully, we’ve helped you to learn what you need to know about AIG vs. SBLI life insurance. Enter your ZIP code to get free life insurance quotes from local companies.

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