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.

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.

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

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.

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?

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.