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: Sep 17, 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 generally cheaper than Principal life insurance rates
  • Principal has an A+ rating with A.M. Best and Principal has an A rating
  • Principal also has an A+ Better Business Bureau rating, while AIG has a B rating
  • Principal is accredited with the BBB but AIG is not

It can be hard to choose between the best life insurance companies out there. We will compare AIG vs. Principal life insurance companies to see which one is a better fit for you.

Compare rates and ratings to determine if you can get affordable AIG or Principal life insurance.

The good news is that you don’t have to just choose AIG vs. Principal life insurance. There are many companies out there that can offer you low rates with the coverage that you need.

Keep reading to compare AIG vs. Principal. Enter your ZIP code now to compare life insurance quotes from multiple companies in your area for free.

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

Just like with your auto insurance, there are many different factors that affect your life insurance rates. Your age, gender, and medical history affect your life insurance rates the most.

All of these factors determine your life insurance rates. Keep in mind that different companies will weigh these factors differently and offer different rates.

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

AIG and Principal Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $250,000/20-yearPrincipal Average Monthly Rates $250,000/20-year
25$11.33$12.12
30$11.54$12.42
35$12.69$12.86
40$16.09$16.19
45$23.06$22.93
50$32.02$32.07
55$52.58$46.99
60$87.21$77.18
65$153.90$138.25
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In general, AIG has cheaper rates. However, rates for women ages 55 and up are cheaper from Principal.

It should also be noted that if you smoke or have certain medical conditions, your life insurance rates will be much more expensive.

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

Now we will compare average monthly AIG and Principal life insurance rates for men who don’t smoke.

AIG and Principal Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $250,000/20-yearPrincipal Average Monthly Rates $250,000/20-year
25$12.90$13.78
30$12.97$14.00
35$13.53$14.22
40$18.12$18.55
45$28.28$428.13
50$41.68$40.86
55$69.89$63.83
60$124.42$109.81
65$207.35$206.06
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Once again, AIG is cheaper until age 55, and then Principal offers the cheaper life insurance.

As with quotes for women, men who smoke or have certain medical conditions will pay higher rates.

You can get both AIG and Principal life insurance quotes online. You can also get quotes through your local Principal or AIG insurance agent.

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

You need to know that your family can depend on your life insurance company when they need to.

Rates aren’t the only thing to consider when picking a life insurance company. Look at the AIG and Principal life insurance reviews and ratings to determine which is best for you.

A.M. Best evaluates the financial health of insurance companies. Ratings range from A++ all the way down to D.

AIG received an A, which shows an excellent ability to meet financial obligations. Principal received an A+, showing a superior ability to meet financial obligations.

When it comes to the Better Business Bureau (BBB), ratings range from an A+ to an F. AIG received a B rating, and Principal received an A+ rating. Principal is also accredited with the BBB and AIG is not.

AIG vs. Principal: The Bottom Line

AIG and Principal offer a variety of services, and each company offers different products. It’s important to compare all of the services offered by your life insurance company to get the best deals.

AIG insurance offerings include various types of life insurance, auto insurance, travel insurance, and health insurance.

AIG also offers many types of financial services such as annuities, mutual funds, retirement services, structured settlements, and home loans.

You can reach AIG by calling 1-800-767-2524. The AIG life insurance address is:

AIG Direct
9640 Granite Ridge Drive
Suite 200
San Diego, CA 92123

Principal, on the other hand, offers life insurance as well as income protection and estate planning.

When it comes to Principal financial services, you can find IRAs, mutual funds, annuities, and retirement services.

The Principal life insurance company phone number is 1-800-986-3343. The Principal life insurance address is:

Principal Financial Group
711 High Street
Des Moines, IA 50392-0300

You can also access your policies and accounts online with both AIG and Principal. These easy-to-use websites lets you file and check on claims, see your policy specifics, and pay your bill.

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

Deciding to buy AIG or Principal life insurance can be difficult, so compare rates and ratings to see which one is the best fit for you.

Don’t worry if neither works for you. There are many different life insurance companies out there that can offer you the coverage you want at a low rate.

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