Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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 23, 2021

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The Facts of Life

  • AIG life insurance rates are cheaper than American National rates for both men and women
  • AIG and American National share an A rating from A.M. Best
  • AIG has a B rating with the Better Business Bureau and is not accredited, while American National is neither rated nor accredited

It’s hard to choose which of the best life insurance companies is right for you. The easiest way to make a decision is to compare them head to head. We’ll evaluate the rates and ratings of AIG vs. American National life insurance companies to see which is best for you.

However, before you choose between AIG vs. American National life insurance, make sure to shop around. There are a lot of life insurance companies with good coverage and reasonable rates.

Before jumping into this AIG vs. American National life insurance review, enter your ZIP code to see life insurance quotes from multiple companies near you for free.

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

Your life insurance rates are influenced by a number of factors, such as your age, gender, and medical history.

This table shows you the average monthly AIG vs. American National life insurance rates for women of various ages who don’t smoke.

AIG and American National Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearAmerican National Average Monthly Rates $100,000/20-year
25$10.60$14.17
30$10.69$14.17
35$11.07$15.81
40$11.50$19.18
45$14.42$24.80
50$19.81$33.61
55$27.46$47.17
60$47.89$75.77
65$81.95N/A
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AIG life insurance is cheaper for women of all ages. However, American National doesn’t offer rates for this coverage for women in the 65-year-old age group.

Keep in mind, if you smoke or have certain health conditions, your rates will be higher.

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

Next, let’s look at average monthly AIG and American National life insurance rates for non-smoking men.

AIG and American National Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearAmerican National Average Monthly Rates $100,000/20-year
25$10.94$15.98
30$10.94$16.16
35$11.17$16.68
40$14.14$21.51
45$17.59$30.76
50$26.16$43.63
55$37.26$65.06
60$55.75$108.95
65$99.29N/A
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AIG is once again the cheapest option, and American National doesn’t offer this form of coverage to men in the 65-year-old age group either.

Comparing AIG vs. American National life insurance quotes might be difficult. While AIG offers online quotes, American National requires you to speak with an agent. The American National life insurance phone number is (800) 899-6806.

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

When you compare AIG vs. American National life insurance, ratings are just as important as rates. You need to know that your life insurance company is dependable and trustworthy.

A.M. Best evaluates insurance companies on their financial health. Ratings go from A++ all the way down to D. AIG and American National both received an A, showing an excellent ability to meet financial obligations.

The Better Business Bureau (BBB) rating scale goes from A+ down to F. AIG received a B rating and is not accredited. American National is not rated or accredited by the BBB.

AIG vs. American National: The Bottom Line

While each company offers various life insurance options, they both have some additional products as well.

You can find AIG auto insurance, AIG retirement services, AIG stock advice, mutual funds, and annuities. You can use your AIG login to pay bills and access your policies at any time.

American National annuity products, auto insurance, and health insurance are just a few options available. You can also use your American National login to access your accounts with ease.

Still not sure if you want to buy AIG vs. American National life insurance? Read our AIG term life insurance review and our American National review to learn more about each company.

We’ve shown you options for affordable AIG vs. American National life insurance, but make sure to shop around and compare rates and ratings of various companies to see which one is right for you.

We hope you’ve learned all that you needed to know about AIG vs. American National. Enter your ZIP code now to compare life insurance rates from companies near you.