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 7, 2021

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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

  • Securian Financial has cheaper life insurance rates than AIG
  • AIG scores below Securian Financial with A.M. Best and the BBB
  • Neither AIG nor Securian Financial is accredited with the BBB

Choosing between the best life insurance companies can be difficult, but comparing them can help you decide which one is best for you.

That’s why we will compare AIG vs. Securian Financial life insurance companies head to head for you.

Compare rates, ratings, and products offered to determine how affordable AIG and Securian Financial life insurance will be for you.

Keep in mind, you don’t just have to choose AIG vs. Securian Financial. Other life insurance companies out there offer the coverage you need with low rates.

Keep reading to compare AIG vs. Securian Financial life insurance. Before you begin, enter your ZIP code to compare free quotes from life insurance companies in your area today.

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

As with car insurance, there are many different factors that affect your life insurance rates. The most important factors are your age, gender, and medical history.

Minnesota Life is a subsidiary of Securian Financial, and we will be using those rates as a comparison of AIG rates.

This table shows you the average monthly AIG and Securian Financial life insurance rates for women of various ages who do not smoke.

AIG and Minnesota Life Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearMinnesota Life Average Monthly Rates $100,000/20-year
25$10.60$8.10
30$10.69$8.21
35$11.07$8.31
40$11.50$9.83
45$14.42$13.27
50$19.81$17.31
55$27.46N/A
60$47.89N/A
65$81.95N/A
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AIG life insurance rates are more expensive for women of all ages, although Minnesota Life doesn’t list rates for women over 55.

Women who smoke or have other medical conditions will see much higher life insurance rates.

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

Next, let’s look at the AIG and Securian life insurance rates for non-smoking men of various ages.

AIG and Minnesota Life Average Monthly Life Insurance Rates for Men
Age of Male Non-SmokerAIG Average Monthly Rates $100,000/20-yearMinnesota Life Average Monthly Rates $100,000/20-year
25$10.94$8.71
30$10.94$8.81
35$11.17$9.12
40$14.14$11.04
45$17.59$15.80
50$26.16$22.17
55$37.26N/A
60$55.75N/A
65$99.29N/A
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Once again, AIG has higher rates, but Minnesota Life does not list rates for men over age 55. As with rates for women, men will pay higher rates if they smoke or have certain medical conditions.

It can be difficult to compare AIG vs. Securian Financial life insurance quotes. AIG offers online quotes, but you must speak with an agent to get Securian insurance quotes.

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

While rates are important when choosing a life insurance company, ratings are just as significant. You need a life insurance company that your family can depend on, not just one with the cheapest rates.

Companies are rated on financial stability by A.M. Best. The A.M. Best rating system goes from an A++ all the way down to a D. While both AIG and Securian Financial had great ratings, Securian did come out on top.

AIG received an A rating, showing an excellent ability to meet financial obligations.

Securian Financial received an A+ rating, meaning it has a superior ability to meet financial obligations.

The Better Business Bureau (BBB) rates companies based on how well they interact with customers. BBB ratings range from an A+ down to an F.

The Securian Financial Group scored an A+, but AIG received a B rating. Neither AIG nor Securian Financial is accredited.

AIG vs. Securian Financial: The Bottom Line

Rates and ratings are similar for both AIG and Securian Financial, but there are some differences between the companies in the products they offer.

AIG offers various types of life insurance, as well as annuities, retirement services, and mutual funds.

You can access your AIG account online and even file claims. You can also speak with customer service by calling the AIG insurance number at 1-800-445-7862.

Securian Financial offers different forms of life insurance, accident insurance, annuities, financial planning, investments, and other services.

You can also access your account online with your Securian Financial login. Customer service can be reached at 1-833-810-8260.

To learn more about each company, read our AIG term life insurance review and our Securian Financial life insurance review.

Deciding to buy AIG or Securian Financial life insurance can be difficult. Shop around and compare multiple companies before making your decision.

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