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: Aug 26, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • AIG life insurance rates are cheaper in general than Lincoln life insurance rates
  • Lincoln has higher A.M. Best and Better Business Bureau (BBB) ratings than AIG
  • Neither the AIG nor Lincoln life insurance companies are accredited with the BBB

Selecting a company for your life insurance needs can be daunting. You want the best coverage but at the lowest rates. Comparing life insurance companies side by side can help narrow down your choices.

Compare some of the best life insurance companies out there by looking at rates, ratings, and products to find your best fit.

In this short guide, we’ll compare AIG vs. Lincoln life insurance companies to see which one might meet your needs. However, you don’t have to stop there. Many life insurance companies can offer you low rates and great coverage.

AIG and Lincoln both offer different types of life insurance, as well as other products, such as annuities. Consider rates, ratings, and products offered before you buy AIG or Lincoln life insurance.

Keep reading to learn more about AIG vs. Lincoln. Before you get started, enter your ZIP code now to compare free life insurance quotes from multiple companies in your area.

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

As with other types of insurance, your life insurance rates are calculated based on many different factors. The most common factors used are age, gender, and medical history.

All of these factors are used to determine how affordable AIG vs. Lincoln life insurance will be for you. Rates will vary by company since each company looks at these factors differently.

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

AIG and Lincoln Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearLincoln Average Monthly Rates $100,000/20-year
25$10.60$11.03
30$10.69$11.03
35$11.07$11.21
40$11.50$11.21
45$14.42$14.42
50$19.81$19.40
55$27.46$33.17
60$47.89$68.78
65$81.95NA
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Although the cost difference is minimal for younger women, AIG life insurance is cheaper for women of all ages. Notice that rates rise significantly from age 60 to 65.

It’s also important to note that women who smoke or have certain medical conditions will pay higher rates.

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

Next, let’s look at the average monthly rates for AIG and Lincoln life insurance for men of various ages who don’t smoke.

AIG and Lincoln Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearLincoln Average Monthly Rates $100,000/20-year
25$10.94$11.27
30$10.94$11.42
35$11.17$11.91
40$14.14$11.91
45$17.59$17.13
50$26.16$23.41
55$37.26$45.42
60$55.75$80.94
65$99.29NA
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Once again, AIG has the cheaper rates. However, rates with AIG almost double from age 60 to age 65.

Men generally have higher life insurance rates than women. As with the rates for women, men who smoke or have medical conditions will pay more.

It can be difficult to compare AIG vs. Lincoln life insurance quotes. While AIG offers quotes online, you have to speak with an agent to get Lincoln life insurance quotes.

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

When looking for insurance, most people only consider rates. However, ratings can be just as important. You want to be able to trust that your life insurance company will be there for your family when needed.

A.M. Best assesses a company’s financial health. The scale runs from A++ to D, with A++ being the highest and D being the lowest.

AIG scored an A, showing an excellent ability to meet financial obligations. Lincoln received an A+ rating, which means it has a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rates companies based on how well they respond to customers. It has a grading system that ranges from A+ to F. AIG received a B, and Lincoln received an A-. Neither company is accredited with the BBB.

AIG vs. Lincoln: The Bottom Line

AIG life insurance is cheaper than Lincoln, but Lincoln has better ratings with A.M. Best and the BBB.

Both AIG and Lincoln offer customers access to their accounts through their respective websites. You can see your policy information, make changes, and even file Lincoln or AIG insurance claims online.

Customers may also call if they don’t want to go through the website. The AIG insurance phone number is (800) 254-4933, and the Lincoln life insurance phone number is (800) 487-1485.

AIG offers term, universal, and guaranteed issue whole life insurance. It also offers annuities and mutual funds, as well as retirement services.

To learn more, read our AIG term life insurance review.

Lincoln Financial Group offers term life insurance, permanent life insurance, and long-term care planning, as well as annuities and retirement planning.

While it can be difficult to choose between AIG and Lincoln, know that they are not your only choices. Shop around and compare rates, ratings, and products to find the best company for you.

We hope you’ve learned all you need to know about AIG and Lincoln life insurance. Before you go, enter your ZIP code to compare free life insurance quotes from multiple companies near you today.