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

  • AIG and North American term life insurance rates are affordable, with North American being cheaper for smokers
  • The AIG vs. North American ratings are similar but favor North American for customer service
  • AIG offers more flexibility with policy options when compared to North American life insurance

When comparing AIG vs. North American life insurance, you’ll be looking at two of the industry’s top term life insurance providers. AIG and North American are both reputable insurance providers nationwide.

Even the best life insurance companies have faults. We’ll help you compare AIG vs. North American company rates, ratings, and policy options.

Ready to get started learning about AIG vs. North American life insurance? Before we do that, take advantage of our free quote tool above to learn which life insurance providers offer the best rates near you.

AIG vs. North American: Which company is best for life insurance?

AIG and North American are each considered strong options for life insurance policies. While AIG also offers numerous other insurance products, North American specializes in life insurance and annuities.

When searching for life insurance policies, you’ll find a few common options that most providers offer. Both of these insurers provide term and whole life insurance.

For those looking for minimal investment, each company also offers final expense and burial insurance. This is the most affordable policy because it is designed to cover funeral expenses only, rather than other debts.

To supplement the aforementioned policy options, AIG also offers universal life insurance. Universal life insurance is similar to whole life insurance but tends to be more flexible with payments.

Overall, AIG technically has more policy options, although North American does cover most consumer needs. But you should take a look at the rates before you rush to buy AIG vs. North American life insurance.

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AIG vs. North American: Which has cheaper term life insurance?

For those that want plentiful coverage at a reasonable cost, term life insurance tends to be the best option. We’ll compare sample AIG vs. North American life insurance rates below.

AIG vs. North American Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (AIG)10-Year Term (North American)20-Year Term (AIG)20-Year Term (North American)
25 - Female$9.57$10.12$11.33$12.32
25 - Male$10.34$10.78$12.90$13.86
35 - Female$11.08$10.12$12.69$13.20
35 - Male$11.67$11.00$13.53$14.96
45 - Female$16.46$16.06$23.06$24.42
45 - Male$17.95$18.48$28.28$30.36
55 - Female$31.68$30.58$52.58$51.92
55 - Male$41.68$39.82$69.89$67.54
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When comparing sample AIG life insurance quotes to North American quotes, you’ll see that the companies take turns offering the cheaper rates with changes in age, gender, and term lengths.

Overall, both companies offer competitive rates for healthy adults. If you have a dangerous job, smoke, or are in poor health, you could see some significant differences from the rates provided here.

AIG vs. North American 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 (North American)20-Year (AIG)20-Year (North American)
35 - Non-Smoker$10.64$8.80$11.17$11.20
35 - Smoker$23.26$20.06$29.60$27.10
45 - Non-Smoker$14.86$12.23$17.59$17.25
45 - Smoker$47.70$33.44$57.11$50.95
55 - Non-Smoker$26.62$21.56$37.26$35.38
55 - Smoker$82.46$71.63$126.80$117.74
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Based on the rates above, your AIG or North American life insurance quotes will be roughly three times higher if you smoke. It appears that North American is the more affordable option for smokers.

Comparing life insurance quotes online is important, but don’t forget that cheap rates aren’t the only thing that matters when shopping for life insurance policies.

AIG vs. North American: Which has better reviews?

Researching an insurer’s reviews and ratings is important. You want to be sure that your life insurance provider is in good financial standing. There are a handful of agencies that provide ratings for financial strength.

AIG vs. North American Financial Strength Ratings and Customer Reviews
Ratings AgencyAIG RatingNorth American Rating
A.M. BestAA+
Better Business Bureau (BBB)FA+
Fitch's RatingsA+A+
J.D. Power742N/A
Standard & Poor's (S&P)A+A+
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The AIG and North American life insurance reviews are nearly identical. The companies’ financial strength ratings are the same with the exception of the A.M. Best rating which favors North American.

The AIG and North American life insurance customer service experience appears to be vastly different, according to the Better Business Bureau (BBB).

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There are some red flags surrounding AIG’s customer service. AIG holds an F rating from the BBB and is also listed below the industry average for customer satisfaction according to J.D. Power.

Unfortunately, North American wasn’t included in the J.D. Power study so we cannot compare the two companies by that metric.

AIG vs. North American: What are the pros and cons?

AIG and North American life insurance each have some benefits and drawbacks. Both are strong options when considering your life insurance choices. We’ll highlight the good and bad below.


  • Strong financial ratings (both companies – edge to North American)
  • Affordable rates (both companies – edge to North American)
  • Reasonable policy options (both companies – edge to AIG)


  • No life insurance discounts (both companies)
  • Customer service concerns (AIG)
  • Few stackable policies (North American)

When choosing between AIG and North American, you’ll have to weigh what’s most important to you. But it’s good to know you shouldn’t have much trouble finding affordable AIG or North American life insurance.

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AIG vs. North American: The Bottom Line

Reputable life insurance providers like AIG and North American can provide strong policies with competitive rates and reliable financial stability.

By now, you should have a better idea of who to choose between AIG vs. North American. Even so, don’t forget to get free quotes from life insurance providers near you by entering your ZIP code below.