AIG vs Pacific Life Insurance

Learn the differences between life insurance options offered by AIG and Pac Life

Pat Howard 1600

Pat Howard

Published July 18, 2018

AIG and Pacific Life are two of America’s largest life insurance companies, with well over 1 million policyholders nationwide. Both companies have good consumer grades and offer competitive term life insurance rates.

So how do you choose between the two? Use average cost, health consideration, rider availability, and more as criteria for deciding which is the best company for your needs. Read on to learn more.


AIG vs Pacific Life cost comparison

While Pacific Life is more affordable for men, AIG tends to be more affordable for women. Here are average monthly premium costs for shoppers who are looking for the most affordable plan.

AIGPacific Life
MaleAge 30$21.11$20.84
Age 40$30.62$29.59
Age 50$79.93$77.09
FemaleAge 30$18.08$19.18
Age 40$28.46$26.68
Age 50$59.60$61.67

Average premium cost based on $500,000/20-year term life insurance policies for healthy, nonsmoking applicants in California.

AIG vs Pacific Life health pricing

Did you know that life insurance rates are largely dependent on both your current health and your health history?

If not, it’s also worth mentioning that not all life insurance companies are created equal, meaning some are more lenient about certain health conditions than others compared to competitors.

AIGPacific Life
Cancer Survivor/Family HistoryFairExcellent
Recent Weight LossExcellentGood
Heart AttackGoodGood
Sleep ApneaGoodExcellent
Former Tobacco UseGoodFair
High Blood PressureGoodFair
High CholesterolFairExcellent

Learn more about the best life insurance companies for every scenario.

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Let our experts help you make the right choice between AIG and Pacific Life based on your family’s financial needs.

AIG vs Pacific Life insurance rider availability

If you’re not satisfied with the standard provisions of a life insurance policy, you can customize it with riders to suit your needs. Here’s a comparison below of the riders offered by both AIG and Pacific Life.

AIGPacific Life
Child Protection RiderXX
Accelerated Death Benefit RiderXX
Accidental Death Benefit RiderX
Disability Waiver of Premium RiderXX

Learn more about life insurance riders.

AIG vs Pacific Life company ratings

Life insurance companies can be ranked in several different ways. A.M. Best provides ratings based on the financial strength of the company, while J.D. Power conducts surveys based on customer service, product quality, and buyer behavior, and the Better Business Bureau (BBB) provides grades based on consumer feedback.

How do AIG and Pacific Life compare in financial and customer service ratings?

AIGPacific Life
A.M. BestAA+
J.D. Power2 out of 5N/A

Compare life insurance companies

Find more head-to-head comparisons between top-rated life insurance companies to help you make the right decision.

Choosing the right life insurance company

The question is, is AIG the right life insurance company for you, or is it Pacific Life? It really depends on your individual situation, which is why it's important to look at policy cost, health considerations, riders, and customer service provided by each company before you buy.

Ready to start looking at policies from AIG, Pacific Life, and other top life insurance companies? Use our coverage calculator for find plans and companies tailored to your needs.

About the author

Insurance Expert

Pat Howard

Insurance Expert

Pat Howard is an Insurance Editor at Policygenius in New York City, specializing in homeowners insurance. He has been featured on Property Casualty 360, MSN, and more. Pat has a B.A. in journalism from Michigan State University.

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.

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