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: Apr 12, 2022

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The Facts of Life

  • AIG vs. MassMutual life insurance rates are comparable but AIG is slightly more affordable
  • MassMutual’s life insurance ratings and reviews are notably better than AIG’s
  • AIG and MassMutual each offer an assortment of life insurance policies to consumers

When shopping for top term life insurance providers, you’ll want to compare AIG vs. MassMutual. Each company is considered a leader in the life insurance industry.

To help you decide which is right for you, we’ll highlight the AIG vs. MassMutual life insurance rates, financial strength ratings, life insurance products, and more.

Before you learn more about AIG vs. MassMutual, take advantage of our free quote tool above to find local life insurance providers and rates near you.

AIG vs. MassMutual: Which is the best life insurance company?

AIG and MassMutual are well-known insurance providers. Each company offers a variety of insurance products including travel, health, life insurance, and much more.

Both companies offer a variety of life insurance products to fit the needs of potential policyholders. AIG’s life insurance products include:

  • Term life insurance
  • Whole life insurance
  • Universal life insurance
  • Variable universal life insurance

MassMutual offers similar policy options but includes indexed universal life insurance rather than whole life insurance. Each company has a nice selection of permanent life insurance options.

In special circumstances, you’ll be able to find other options like a MassMutual guaranteed acceptance life insurance policy. These are often available for high-risk policyholders at an added cost.

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AIG vs. MassMutual: Which has the cheapest life insurance rates?

The most affordable AIG vs. MassMutual life insurance rates will come from a term life insurance policy. Term life insurance doesn’t build cash value so it tends to be cheaper month to month.

AIG vs. MassMutual Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (AIG)10-Year Term (MassMutual)20-Year Term (AIG)20-Year Term (MassMutual)
25 - Female$9.57$10.23$11.33$13.48
25 - Male$10.34$11.10$12.90$15.00
35 - Female$11.08$10.45$12.69$13.93
35 - Male$11.67$11.30$13.53$15.88
45 - Female$16.46$17.83$23.06$26.33
45 - Male$17.95$19.80$28.28$32.40
55 - Female$31.68$33.93$52.58$57.43
55 - Male$41.68$44.38$69.89$73.73
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Overall, AIG and MassMutual have similar life insurance rates, with AIG having a narrow edge on the latter. These sample rates are for presumably healthy adults.

Life insurance rates will vary based on a number of factors. Since the rates aren’t significantly different, getting a quote from each could help you find cheap term life insurance.

AIG vs. MassMutual 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 (MassMutual)20-Year (AIG)20-Year (MassMutual)
35 - Non-Smoker$10.64$9.31$11.17$10.79
35 - Smoker$23.26$23.49$29.60$29.15
45 - Non-Smoker$14.86$12.97$17.59$17.93
45 - Smoker$47.70$40.03$57.11$57.95
55 - Non-Smoker$26.62$24.10$37.26$39.24
55 - Smoker$82.46$86.14$126.80$132.16
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Smoking is one factor that life insurance underwriters account for when establishing rates. Although AIG tends to have cheaper rates for healthy adults, smokers may find cheaper options with MassMutual.

Overall, both companies offer reasonable life insurance rates for healthy adults and smokers.

AIG vs. MassMutual: Which has better ratings and reviews?

Large life insurance companies should be in good financial standing, but that’s not always the case. Ratings agencies like Moody’s and Fitch help inform consumers about a company’s financial stability.

AIG vs. MassMutual Financial Strength Ratings and Customer Reviews
Ratings AgencyAIG RatingMassMutual Rating
A.M. BestAA++
Better Business Bureau (BBB)FB-
Fitch's RatingsA+AA+
J.D. Power742769
Standard & Poor's (S&P)A+AA+
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The AIG vs. MassMutual life insurance company ratings come out clearly in favor of MassMutual, including ratings from A.M. Best, J.D. Power, and the Better Business Bureau (BBB).

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MassMutual’s J.D. Power rating is above both AIG and the industry average. AIG falls short of the industry average in this case. The AIG insurance reviews appear to need some improvement according to the BBB.

AIG vs. MassMutual: What are the pros and cons?

Before you rush to buy AIG or MassMutual life insurance, you want to make sure you know which company is best for your needs. We’ll help by highlighting the pros and cons of each company below.


  • Strong financial ratings (both companies – MassMutual superior)
  • Competitive rates (both companies – AIG superior)
  • Strong J.D. Power rating (MassMutual)
  • Plentiful policy options (both companies)


  • No life insurance discounts (both companies)
  • Customer service concerns (AIG)

When comparing the AIG vs. MassMutual life insurance quotes, ratings, and policy options, it becomes clear why both companies are considered competitive life insurance providers.

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AIG vs. MassMutual: The Bottom Line

At the end of the day, you should feel confident purchasing AIG or MassMutual life insurance policies. Both companies are financially stable and offer affordable term life insurance.

We hope you enjoyed learning more about AIG vs. MassMutual. Before you go, enter your ZIP code below to get free quotes from local life insurance providers today.