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Prudential vs. AIG

Compare costs and policy options from two big-name providers.

Updated

Fact checked

AIG and Prudential are both international insurance giants with solid reputations. But while Prudential’s universal and variable plans offer greater flexibility, AIG is less expensive overall. Compare each company holistically to find the best match.

Life insurance products with Prudential and AIG

Paramount in picking a policy is ensuring the timeline and benefit match your needs. While Prudential and AIG both offer term and universal coverage, AIG’s whole policies might work better for people who want to lock in a rate for life.

Options for each include:

Product
Description
Prudential
AIG
Term The benefit is the least expensive, and is only paid if you die before the policy ends
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Whole Set premiums and a benefit that builds cash value over time
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Universal Flexible premiums and a benefit that builds cash value over time
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Variable Flexible premiums, plus a range of investment options to grow cash over time
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Final expense Meant to cover end-of-life expenses, such as a funeral
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Costs

The exact price of your life insurance policy will depend on personal factors such as age, health and overall eligibility. But here’s what healthy individuals can generally expect to pay per month for a 20-year term plan from each provider:

Nonsmokers: Policy amount $250,000

Gender Age
Prudential
AIG
Male 20
$22.53
$13.33
Male 30
$20.34
$13.54
Male 40
$24.50
$19.38
Gender Age
Prudential
AIG
Female 20
$15.97
$11.59
Female 30
$17.21
$11.81
Female 40
$22.53
$18.51

Smokers: Policy amount $250,000

Gender Age
Prudential
AIG
Male 20
$39.38
$36.46
Male 30
$45.28
$45.28
Male 40
$75.69
$75.69
Gender Age
Prudential
AIG
Female 20
$28.66
$31.27
Female 30
$36.97
$35.38
Female 40
$62.13
$56.57

Rates include all states except New York and Montana. Quotacy data is valid as of May 2018.

Compare life insurance rates

Compare quotes for life insurance policies starting at $15/month.

Policy riders

Both Prudential and AIG offer riders to help bridge gaps in case of unexpected circumstances. Compare riders from each provider to ensure its options match your needs:

Prudential
AIG
Accelerated death benefit
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Accidental death
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Disability waiver of premium
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Chronic and terminal care
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Retirement income rider
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Cash value
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Child protection
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Survivorship (joint policies)
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Guaranteed policy split (joint policies)
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Estate protection (joint policies)
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Comparisons based on data available July 2019

Financial strength

Insurance rating agencies like A.M. Best and Moody’s Investor Service help investors and consumers understand the financial security and operating stability of different companies.

Here’s how Prudential and AIG compare:

Prudential
AIG
Winner
A.M. Best A+ A Prudential
Moody’s AA- A2 Prudential
Standard & Poor’s Aa3 A+ AIG
Fitch AA- A+ AIG
JD Power About average The rest Prudential

Customer reviews

One indicator of a provider’s overall quality is what customers have to say. Here’s what we found regarding the reputation of Prudential and AIG’s customer service:

BBB Rating Customer Reviews Overall
Prudential D- 1 out of 5 stars The BBB records 69 complaints over the past three years — but Prudential hasn’t addressed all of them.
AIG A+ 1 out of 5 stars Though there are 255 complaints, the insurer has resolved or responded to nearly all of them.

Bottom line

Finding the best life insurance policy is all about the details. To help make sure you make the right choice, compare life insurance providers to see what’s out there.

Compare life insurance companies

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Prudential
18 - 75 years old
$100,000
$10,000,000
10, 15, 20, 30 years
Yes
Customize your term life insurance with a long list of life and disability riders. Get a free quote on Policygenius.
Transamerica
18 - 75 years old
$25,000
$10,000,000
10, 15, 20, 25, 30 years
Depends on policy
Purchase a policy worth anywhere from $25,000 to $10 million, with the option to skip the medical exam. Get a free quote on Policygenius.
MassMutual
18 - 80 years old
$2,000
$10,000,000
10, 15, 20, 25, 30 years
Depends on policy
Purchase term life insurance up to age 80 with Finder's #1 ranked company. Get a free quote from this A+ rated insurer on Policygenius.
AIG
AIG
20 - 85 years old
$5,000
$2,000,000
10, 15, 20, 25, 30, 35 years
Yes
Buy term life insurance all the way up to age 85, and choose a policy that lasts up to an incredible 35 years. Get a free quote on Policygenius.
John Hancock
18 - 65 years old
$25,000
$1,000,000
10, 15, 20 years
Depends on policy
Score a low rate on term life insurance with discounts and rewards for your healthy habits. Get a free quote on Policygenius.
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