AIG vs. Transamerica: Best Life Insurance Company in 2021

When comparing AIG vs. Transamerica, AIG insurance rates for both men and women are slightly cheaper than Transamerica life insurance rates. Transamerica ratings are higher with A.M. Best, but AIG has higher Better Business Bureau ratings, although neither company is accredited. Both AIG and Transamerica offer various types of life insurance, as well as annuities and other services.

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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 4, 2021

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Quick Facts

  • AIG insurance rates are cheaper than Transamerica life insurance rates for men and women
  • Transamerica has a higher A.M. Best rating than AIG
  • AIG and Transamerica have similar Better Business Bureau (BBB) ratings and neither company is accredited

Your life insurance needs are very specific, and you have a lot of companies to choose from. Comparing them head to head is the best way to make a decision. In this guide, we’ll compare AIG vs. Transamerica life insurance companies to see if either is right for you.

Both companies offer term and permanent life insurance, as well as other products. Before you choose between AIG vs. Transamerica life insurance, shop around and compare rates, ratings, and products offered.

You don’t have to limit your comparison shopping to AIG vs. Transamerica. Other companies may also have products and rates that fit your needs.

Keep reading to learn more about AIG vs. Transamerica. Enter your ZIP code now to compare life insurance quotes from multiple companies near you for free.

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

There are many different factors that affect your life insurance rates, such as your age, gender, medical history, and hobbies.

This table compares average monthly AIG vs. Transamerica life insurance rates for non-smoking women of various ages.

AIG vs. Transamerica Average Monthly Life Insurance Rates for Women by Age
Age of Female Non-SmokerAIG Average Monthly Rates Transamerica Average Monthly Rates
25$10.60$10.06
30$10.69$10.15
35$11.07$11.87
40$11.50$14.02
45$14.42$17.72
50$19.81$22.19
55$27.46$33.71
60$47.89$51.26
65$81.95$89.35
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Transamerica is more expensive for women of every age. However, rates increase with age for both companies, and smokers or women with certain medical conditions will pay higher rates.

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

Next, let’s look at the average AIG vs. Transamerica insurance rates for men who don’t smoke.

AIG vs. Transamerica Average Monthly Life Insurance Rates for Men by Age
Age of Male Non-SmokerAIG Average Monthly Rates Transamerica Average Monthly Rates
25$10.94$13.50
30$10.94$10.84
35$11.17$13.07
40$14.14$15.91
45$17.59$19.87
50$26.16$26.83
55$37.26$40.85
60$55.75$55.30
65$99.29$98.73
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AIG is the cheaper choice for men of all ages as well. However, the difference between the two companies is less than $4 a month for all ages.

It might be tricky to compare AIG vs. Transamerica life insurance quotes. While AIG offers online quotes, you have to speak with an agent to get a Transamerica quote.

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

If a company has cheap rates but it isn’t reliable, it’s not the right provider for you. That’s why AIG and Transamerica life insurance reviews and ratings are so important.

A.M. Best evaluates insurance companies on their financial health. Ratings go from A++ all the way down to D. AIG received an A rating, showing it has an excellent ability to meet financial obligations. Transamerica received an A++, indicating a superior ability to meet financial obligations.

Better Business Bureau (BBB) ratings range from A+ down to F. AIG received a B and Transamerica received a B-. Neither company is accredited.

Although AIG and Transamerica have similar rates and ratings, each company offers different products.

AIG retirement services, annuities, life insurance, and mutual funds are all available. While there are no AIG stock services, you can get AIG auto insurance and travel insurance. For ease of use, the website allows you to access your accounts with your AIG login.

Transamerica offers various types of life insurance, as well as annuities, mutual funds, and retirement services. You can also purchase Transamerica long-term care insurance.

For more information about each company, read our AIG life insurance review and our Transamerica life insurance review.

Depending on your needs, it is possible to find affordable AIG vs. Transamerica life insurance. But you should still shop around to see who can offer you the best deal.

We hope you’ve learned everything you need to know about AIG vs. Transamerica life insurance. Enter your ZIP code now to see life insurance rates from companies near you for free.

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