Protective and AIG are two of America’s largest life insurance companies, both with well over 1,000,000 policyholders nationwide. Both 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.

Protective vs AIG term life insurance cost comparison

Protective is slightly more affordable than AIG for term life insurance policies, especially for older shoppers. But younger life insurance applicants can find competitive rates from both companies.

Here’s how the average monthly term life premiums shake out for both companies.

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

Protective vs AIG health pricing

Did you know that life insurance costs are largely based on your health and health history?

And did you know that some companies are more lenient than others for certain health conditions and lifestyle choices? This means that, depending on your health scenario, you can get a better deal from one carrier compared to another.

Here’s how Protective and AIG rate the most common life insurance health concerns:

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

Protective vs AIG life insurance rider availability

If you’re not happy with the standard provisions of a life insurance policy, you can customize it using riders. Protective and AIG offer many of the same offers, but there are some differences.

Learn more about life insurance riders.

Protective vs AIG company ratings

How else can you judge a life insurance company besides the premium rates they offer? By looking at the company’s financial and consumer strength.

A.M. Best, J.D. Power, and the Better Business Bureau (BBB) all offer grades and ratings based on a company’s financial standing and customer feedback. These can be useful in finding a company that you can trust and work with.

The A.M. Best, J.D. Power, and BBB ratings for Protective and AIG are:

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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

At the end of the day, it’s important to be with a life insurance company you trust. It’s hard to go wrong with established names like Protective and AIG, but the information above should help you make a decision and protect your family.

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