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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
TermThe benefit is the least expensive, and is only paid if you die before the policy ends
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WholeSet premiums and a benefit that builds cash value over time
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UniversalFlexible premiums and a benefit that builds cash value over time
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VariableFlexible premiums, plus a range of investment options to grow cash over time
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Final expenseMeant 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

GenderAge
Prudential
AIG
Male20
$22.53
$13.33
Male30
$20.34
$13.54
Male40
$24.50
$19.38
Get a quote on Policygenius
GenderAge
Prudential
AIG
Female20
$15.97
$11.59
Female30
$17.21
$11.81
Female40
$22.53
$18.51
Get a quote on Policygenius

Smokers: Policy amount $250,000

GenderAge
Prudential
AIG
Male20
$39.38
$36.46
Male30
$45.28
$45.28
Male40
$75.69
$75.69
Get a quote on Policygenius
GenderAge
Prudential
AIG
Female20
$28.66
$31.27
Female30
$36.97
$35.38
Female40
$62.13
$56.57
Get a quote on Policygenius

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

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. BestA+APrudential
Moody’sAA-A2Prudential
Standard & Poor’sAa3A+AIG
FitchAA-A+AIG
JD PowerAbout averageThe restPrudential

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 RatingCustomer ReviewsOverall
PrudentialD-1 out of 5 starsThe BBB records 69 complaints over the past three years — but Prudential hasn’t addressed all of them.
AIGA+1 out of 5 starsThough 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 Medical Exam Required
Sproutt
18 - 100 years old
$50,000
$3,000,000
No
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
Policygenius
18 - 85 years old
$10,000
$10,000,000+
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
Bestow
21 - 54 years old
$50,000
$1,000,000
No
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.
Everyday Life
20 - 75 years old
$100,000
$10,000,000
No
Build a customized laddering strategy to target specific financial responsibilities and save on term life.
Fabric
25 - 60 years old
$100,000
$5,000,000
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
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Compare up to 4 providers

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