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: Jul 21, 2021

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The Facts of Life

  • The AIG vs. Prudential life insurance policy options are comparable, with each company offering term and permanent policies
  • AIG’s term life insurance rates are cheaper than Prudential’s but the difference decreases with age
  • Prudential’s ratings and reviews are superior to AIG’s for financial strength and customer satisfaction

If you’re looking for the best term life insurance, comparing AIG vs. Prudential is a great place to start. With a big name and great reputation, either company is a safe bet for an assortment of insurance products.

To help you decide between Prudential vs. AIG, we’ll cover each company’s life insurance products, available riders, and ratings and reviews.

Read on to learn more about AIG vs. Prudential life insurance. Get personalized rates from top providers in your area by entering your ZIP code above.

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

You’re likely already familiar with the AIG and Prudential brands. AIG offers a wide variety of insurance options from travel to auto insurance. AIG insurance headquarters operates out of New York, NY.

Prudential is an insurance and investment powerhouse that has been operating for nearly 150 years. Prudential’s headquarters is located in Newark, NJ.

Each company is considered a household name in the life insurance industry as well. Each offers a handful of competitive life insurance policies, listed below.

  • Term life insurance
  • Whole life insurance (AIG only)
  • Universal life insurance
  • Variable universal life insurance
  • Indexed universal life insurance (Prudential only)

The most common life insurance policies are term, whole, and universal life insurance. Variable and indexed universal policies are designed for policyholders who want their cash value to be treated a specific way.

Regardless, both companies have options to fit a number of life insurance needs. You can even customize your term life insurance policy with riders. Some of these include:

  • Waiver of premium
  • Accidental death benefit
  • Child
  • Terminal illness
  • Accelerated death benefit

In short, when comparing AIG vs. Prudential life insurance policy options, you have plenty of choices and flexibility. Before you rush to buy, you’ll want to compare the AIG vs. Prudential life insurance rates.

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AIG vs. Prudential: Which company has cheaper rates?

With each company offering great policy options, it’s important to compare the associated costs of similar policies. The cost of permanent life insurance options like universal life insurance will vary based on the investment each month.

For that reason, we’ll compare sample AIG vs. Prudential life insurance quotes for identical term life insurance policies.

AIG vs. Prudential Life Insurance Rates by Age, Gender, and Term Length for $250,000
Age and Gender10-Year Term (AIG)10-Year Term (Prudential)20-Year Term (AIG)20-Year Term (Prudential)
25 - Female$9.57$15.53$11.33$16.41
25 - Male$10.34$18.16$12.90$19.03
35 - Female$11.08$15.53$12.69$17.72
35 - Male$11.67$19.25$13.53$20.78
45 - Female$16.46$22.75$23.06$29.10
45 - Male$17.95$23.63$28.28$29.97
55 - Female$31.68$34.35$52.58$53.82
55 - Male$41.68$42.88$69.89$71.53
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For healthy adults, you may notice some variation in rates between AIG and Prudential. For adults under 55, it appears that AIG is the cheaper option of the two. As age increases, Prudential becomes more affordable.

Beyond age and gender, rates vary based on other factors like health, jobs, and whether or not you smoke. We’ll compare rates for smokers vs. nonsmokers to see how easy it is to find affordable AIG or Prudential life insurance.

AIG vs. Prudential 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 (Prudential)20-Year (AIG)20-Year (Prudential)
35 - Non-Smokers$10.64$13.92$11.17$15.49
35 - Smoker$23.26$27.57$29.60$33.17
45 - Non-Smokers$14.86$17.68$17.59$20.39
45 - Smoker$47.70$46.38$57.11$61.52
55 - Non-Smokers$26.62$28.18$37.26$37.28
55 - Smoker$82.46$91.62$126.80$142.89
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Overall, the life insurance rates have a less dramatic difference between companies, but AIG is still the more affordable option. Rates were more competitive between the companies for older adults, even for smokers.

AIG vs. Prudential: Who has better ratings and reviews?

Thus far, we’ve identified available policies and sample term life insurance rates. To make sure you’re protected, you’ll need to know that your insurer is financially stable and morally upstanding.

Financial strength ratings from industry leaders like A.M. Best and Moody’s can help consumers stay informed about a company’s financial status. Those with poor ratings might not be able to pay out your death benefit.

AIG vs. Prudential Financial Strength Ratings and Customer Reviews
Ratings AgencyAIG RatingPrudential Rating
A.M. BestAA+
Better Business Bureau (BBB)FN/A
Fitch's RatingsA+AA-
J.D. Power742759
Moody'sA2Aa3
Standard & Poor's (S&P)A+AA-
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Thankfully, it appears that both AIG and Prudential are financially stable. While both appear to be trustworthy, Prudential has ratings that are consistently superior to AIG’s between various organizations.

As far as the AIG and Prudential life insurance reviews, Prudential again appears to have the superior ratings. Both the Better Business Bureau (BBB) and J.D. Power favor Prudential.

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Not only do the BBB and J.D. Power have AIG rated below Prudential, in both cases AIG is below the industry average. This means that there may be some trouble when making policy claims or changes.

On the other hand, Prudential life insurance claims should be relatively effortless. If your beneficiary loses your policy information, they can conduct a Prudential life insurance policy search.

As a policyholder, you can find items like the Prudential life insurance change of beneficiary form directly on the company website. Prudential’s customer service seems promising.

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

When comparing the AIG and Prudential life insurance company details, each has strengths in different areas. To make matters more clear, we’ll highlight the key points below.

Pros

  • Superior financial strength ratings (Prudential)
  • Cheap term life insurance (AIG)
  • Ample policy options (both companies)

Cons

  • No life insurance discounts (both companies)
  • Customer service concerns (AIG)
  • Higher rates for young adults (Prudential)

Overall, AIG and Prudential appear to be reasonable life insurance options. Both companys are stable, offer reasonable rates, and have plenty of policies to choose from.

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AIG vs. Prudential: The Bottom Line

If you’re looking to buy AIG or Prudential life insurance, you’ll want to consider what’s most important to you. AIG offers cheaper rates while Prudential has stronger customer service and financial strength ratings.

We hope you enjoyed learning about AIG vs. Prudential. While you’re here, get free quotes from life insurance providers near you by entering your ZIP code below.