AIG vs. Securian Financial: Best Life Insurance Company in 2021

AIG and Securian Financial are two excellent life insurance companies with A.M. Best ratings "A" and above. AIG vs. Securian Financial life insurance rates vary for each person, but you can get cheaper rates if you're not a smoker. Compare AIG vs. Securian Financial life insurance to secure affordable rates and the best policy.

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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: May 20, 2021

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Quick Facts

  • AIG and Securian Financial are two of the top life insurance companies in the United States
  • Securian Financial life insurance is an affiliate of Minnesota Life Insurance Company and shares the same rates in some areas
  • Both companies have A.M. Best ratings that are “A” or above

Now that you’ve narrowed your shopping list to AIG life insurance and Securian Financial life insurance, it’s time to compare AIG vs. Securian Financial life insurance quotes.

AIG vs. Securian Financial insurance is like comparing apples to apples. They’re both excellent life insurance companies with public term life insurance quotes and competitive permanent life insurance policies.

But which company is better? Don’t worry – our guide explains everything you need to know about affordable AIG vs. Securian Financial life insurance, insurance products, and third-party ratings.

Continue reading to learn more about AIG vs. Securian Financial life insurance. Enter your ZIP code in the free comparison tool above to compare the best companies near you and secure cheap rates.

AIG vs. Securian Financial Life Insurance: Which company has more life insurance policies?

Securian Financial has more life insurance policies than AIG life insurance. Let’s look at a matchup to give you an idea of what both companies can provide potential customers.

AIG vs. Securian Financial Life Insurance Policies
AIG Life Insurance PoliciesSecurian Financial Life Insurance Policies
Accident and Health InsuranceGroup Term Life Insurance
Term Life InsuranceGroup Universal Life Insurance
Whole Life InsuranceVariable Group Universal Life
Universal Life Insurance(AD&D) Accidental Death and Dismemberment Insurance
Business Travel Accident Insurance
Critical Illness insurance
Accident insurance
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Before you buy AIG vs. Securian Financial life insurance, it’s essential to know what both companies offer. This will give you the heads up on what you need and help maximize your budget.

What other products are available at AIG and Securian Financial Life Insurance Companies?

AIG, or American International Group, is one of the most prominent life insurance providers. Under AIG, you can get access to:

  • AIG Retirement
  • AIG Stock
  • AIG Auto Insurance

Securian Financial is a significant life insurance company as well. It has an online presence with other insurance products and annuities.

Once you have a policy, you can access your account information using an AIG login or Securian Financial login.

But how much is life insurance? Read on to learn more about AIG and Securian Financial life insurance costs.

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How much is AIG vs. Securian Financial life insurance rates?

Usually, costs are the biggest concern when people shop for life insurance. Therefore, we want to give you a window into how much you’ll spend on term life insurance at AIG and Securian Financial. Let’s compare:

AIG vs. Securian Financial 20-Year Term Average Monthly Life Insurance Rates by Age, Gender, and $100K Death Benefit
Age of Non-Smoking PolicyholdersAIG Average Monthly Rates (Female)AIG Average Monthly Rates (Male)Securian Financial Average Monthly Rates (Female)Securian Financial Average Monthly Rates (Male)
25$10.60$10.94$8.10$8.71
30$10.69$10.94$8.21$8.81
35$11.07$11.17$8.31$9.12
40$11.50$14.14$9.83$11.04
45$14.42$17.59$13.27$15.80
50$19.81$26.16$17.31$22.17
55$27.46$37.26N/AN/A
60$47.89$55.75N/AN/A
65$81.95$99.29N/AN/A
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Securian Financial has cheaper term life insurance rates overall. However, AIG provides life insurance at a much broader age range. This makes Securian Financial less flexible for potential customers despite its low prices.

If you need permanent life insurance, expect to pay three to four times as much. Permanent life insurance, such as whole life insurance, comes with an accumulated cash value and a life insurance premium, but it lasts for a lifetime.

Do AIG and Securian Financial have good financial strength and credit ratings?

If you ever want to know how a company manages money and provides for customers, look at financial strength and credit ratings. The best companies for these ratings are A.M. Best, Fitch, J.D. Power, S&P Global, and Moody’s.

Fortunately, we’ve researched and collected the grades for you. Let’s compare AIG and Securian Financial ratings from these agencies to see which is best overall:

Comparing AIG vs. Securian Financial Life Insurance Financial Strength & Credit Ratings
Rating AgenciesAIG RatingsSecurian Financial Ratings
A.M. BestA (Excellent)A+ (Superior)
FitchA+ (Stable)AA (Very Strong)
J.D. Power742 (About Average)741 (About Average)
Moody'sA2 (Stable)Aa3 (Excellent)
S&PA+ (Strong)A+ (Strong)
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Securian Financial has a better composite rating than AIG when you consider all rating agencies. However, AIG has a slightly stronger J.D. Power rating.

Learn more about AIG and Securian Financial in our AIG Life Insurance Review and Minnesota Life Insurance Review.

AIG vs. Securian Financial Life Insurance: What’s the bottom line?

Securian Financial has more affordable life insurance rates, but it doesn’t have age flexibility like AIG life insurance does. AIG doesn’t have as many coverage options for employers, however, it makes up for it in other insurance products.

Ultimately, the best life insurance company is the one that meets your needs.

Now that you know more about AIG vs. Securian Financial life insurance, it’s time to compare multiple companies. Use our free online quote tool to compare the top companies in your local area.

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