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 Benji Carr

UPDATED: Jul 21, 2021

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The Facts of Life

  • When compared, AIG vs. Liberty Mutual term life insurance rates are largely cheaper with AIG
  • Both AIG and Liberty Mutual have strong financial ratings from A.M. Best
  • Liberty Mutual appears to have more reliable customer service than AIG

Whether you’re shopping for term life insurance or permanent life insurance, you may feel more comfortable choosing between notable providers like AIG vs. Liberty Mutual.

To help you compare AIG vs. Liberty Mutual life insurance, we’ll look at each company’s policies, term life insurance rates, financial strength ratings, and more.

In just a few minutes you’ll be able to see why AIG and Liberty Mutual are among the best life insurance companies. In the meantime, enter your ZIP code above to get instant rates from life insurance providers near you.

AIG vs. Liberty Mutual: Which has better life insurance?

The Liberty Mutual and AIG insurance company comparison starts with the wide assortment of insurance products each company offers. Most notably, you’ll find high ratings when comparing AIG vs. Liberty Mutual insurance.

While neither AIG nor Liberty Mutual are well-known for providing life insurance, both companies are reputable and offer multiple policy types.

You’ll be able to find AIG or Liberty Mutual term life insurance or whole life insurance options. AIG also offers universal life insurance for those that want permanent life insurance with flexible payments.

When shopping for life insurance, it’s sensible to choose the company with the best rates. How do the AIG vs. Liberty Mutual life insurance rates compare?

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AIG vs. Liberty Mutual: Which company is more affordable?

In general, term life insurance is the more affordable life insurance policy option. We’ll compare common life insurance policies for males and females between the two companies below.

AIG vs. Liberty Mutual Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (AIG)10-Year Term (Liberty Mutual)20-Year Term (AIG)20-Year Term (Mutual)
25 - Female$9.57$20.70$11.33$23.40
25 - Male$10.34$31.28$12.90$33.30
35 - Female$11.08$21.38$12.69$30.15
35 - Male$11.67$32.40$13.53$39.60
45 - Female$16.46$33.75$23.06$62.33
45 - Male$17.95$44.33$28.28$78.53
55 - Female$31.68$80.10$52.58$149.85
55 - Male$41.68$119.25$69.89$220.95
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For healthy adults, Liberty Mutual life insurance could cost two to three times more than AIG. Keep in mind that every life insurance company prioritizes health, age, gender, and other factors in different ways.

This means that you might still want to get a personalized Liberty Mutual quote online, but with this large of a difference, AIG is more than likely the cheaper option.

How much does $250,000 in life insurance cost usually? AIG’s life insurance rates are just above the industry average, which further affirms that Liberty Mutual’s rates are high.

If you’re a smoker, you can expect an increase in your AIG or Liberty Mutual life insurance quotes.

AIG vs. Liberty Mutual Life Insurance Rates for Male Smokers vs. Non-Smokers by Age and Policy Length for $100,000
Age and Smoking Status10-Year (AIG)10-Year (Liberty Mutual)20-Year (AIG)20-Year (Liberty Mutual)
35 - Non-Smoker$10.64$21.42$11.17$24.03
35 - Smoker$23.26$29.34$29.60$39.06
45 - Non-Smoker$14.86$25.47$17.59$39.06
45 - Smoker$47.70$57.78$57.11$86.13
55 - Non-Smoker$26.62$55.35$37.26$95.58
55 - Smoker$82.46$149.85$126.80$207.54
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As you can see above, the difference between AIG and Liberty Mutual rates point to AIG being the cheaper company. That said, the difference between the two is less significant for smokers.

In short, if you’re a smoker, you may want quotes from both companies if price is the most important factor for you when shopping for life insurance. Even so, you’ll want to be sure you can trust your insurer too.

AIG vs. Liberty Mutual: Which company has better ratings?

To determine which company is more reliable, an assortment of ratings agencies provide financial strength ratings and customer service reviews.

AIG vs. Liberty Mutual Financial Strength Ratings and Customer Reviews
Ratings AgencyAIG RatingLiberty Mutual Rating
A.M. BestAA
Better Business Bureau (BBB)FA+
Fitch's RatingsA+BBB+
J.D. Power742N/A
Standard & Poor's (S&P)A+A
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In this comparison, AIG and Liberty Mutual both have strong financial strength ratings. If you’re looking to buy AIG or Liberty Mutual life insurance, it appears both companies are beyond stable.

Free Life Insurance Comparison

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AIG and Liberty Mutual each hold an A rating from A.M. Best despite alternating superior ratings from Fitch, Moody’s, and Standard & Poor.

Most notably, AIG has a poor rating from the Better Business Bureau (BBB), while Liberty Mutual boasts an A+ rating. This indicates that AIG may need some improvement with handling customer complaints.

You should be able to use your AIG insurance login to accomplish most tasks related to your account, such as making payments, but you might need additional help for more complex account problems.

On the other hand, an A+ BBB rating means you likely won’t experience much hassle with a Liberty Mutual canceled policy or other major policy changes you might need to make.

From another perspective, employees appear to be much happier working at Liberty Mutual, according to GlassDoor. Liberty Mutual outranks AIG in eight of 10 categories relating to workplace satisfaction.

AIG vs. Liberty Mutual: What are the pros and cons?

As you may have noticed, there’s more to comparing insurers than simply finding more affordable AIG or Liberty Mutual life insurance. To make things clear, we’ll break down the pros and cons of each company.


  • Strong financial ratings (both companies)
  • Competitive rates (AIG)
  • Strong BBB rating (Liberty Mutual)


  • Few policy options (Liberty Mutual)
  • Customer service concerns (AIG)
  • Expensive for non-smokers (Liberty Mutual)

At the end of the day, AIG and Liberty Mutual are both respectable companies. AIG is the cheaper option, but Liberty Mutual may be the safer of the two when considering financial stability and customer service.

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AIG vs. Liberty Mutual: The Bottom Line

If you’re looking to buy life insurance, you’ll most likely get better rates with AIG than Liberty Mutual. For smokers, both companies could be affordable options.

Hopefully you’ve learned what you need to know about AIG vs. Liberty Mutual life insurance. Don’t forget to take advantage of our free quote tool below to get personalized rates from top life insurance companies today.