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About AIG Life Insurance
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AIG offers high-end home insurance policies to cover luxury homes. The company specializes in serving those with a high net worth, including several individuals on the Fortune 400 list. It’s a large company with various assets and resources, but its policies are fairly expensive for the average homeowner.
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I had 11 other insurance companies I spoke with today. They were all very friendly and willing to help on the phone. AIG was by far the worst. After following up on missing documents I had requested with another representative who was unclear and rushed, I was treated in an unkind way a second time. The second lady named Karen told me to wait 2-3 minutes to resend the specified form (simple task since I had specified it), but then left me on hold for 20 minutes when all she had to do was resend the form to my email I gave her again. Not only, did they put me through hoops and hurdles the first time, the lady picked up an attitude and abused her power. These people act like it isn't their job to help and be friendly both ways. We are not stupid. I was astonished by how horrible they were.... especially after receiving amazing help from 11 other insurance companies.
Our father passed away in September 2020. AIG sent a packet for us to process the death claim benefit. We are 4 beneficiaries who live in different parts of the world. I had to get everyone to send me their information. Bank account info, Social Security numbers for AIG to direct deposit the benefit payout. I spent 20$ to get a form notarized and sent the copy of the death certificate. After getting all our paperwork together, I faxed it all to AIG. First when I called to follow up 2 weeks later, They claimed they did not receive all the paperwork.
The fax I sent was verified completed, but I did not argue. 2 weeks later I called to see what was the delay and excuse was our father's death certificate was not complete, but I told them there was an abstract. They verified and accepted the certificate and apologized and said, "Please wait a few more days." Now a week and a half later, I was sent a check in the mail for the amount of $1.06. That was each of our shares. I called AIG to find out why this was the payment... We all believed we were each supposed to receive much more according to the policy.
AIG representative just said that is the payoff amount, my share and, "If you have a complaint, then write out a letter and send it by mail." We are all so angry and upset with AIG. The process, headache getting all the papers in order, getting forms notarized, and Faxing everything cost much more than the embarrassing $1.06 check they sent by mail. So now AIG has our Social Security numbers and Bank account information. This experience has made the death of our Father hurt even more.
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I had them for quite some time and decided to close my account. I called and ask to speak with someone about closing my account. They advised me that I didn't need to close my account that all I had to do was not pay for a few months and the account would close itself out. I didn't care for that and insisted that they close my account, the lady said she cannot do that for the account will close itself out in a few months. Now 4 months later I still kept getting bills and I called repeatedly and was told each time that they do not close accounts that the accounts closed themself out. I've contacted another insurance company asking them if this was protocol and they told me no it was not. So to me they are a fishy company and I'm troubled by that because of the concern this will go against my credit showing an unpaid balance. I've never heard of this before and again I've spoken with several other people and they agree it's not good business practice.
Bought a policy for my Wife. Upon her demise, the funeral home filed the paperwork. Was told to wait 7-14 days for payment. After day 21, I called AIG and was told they need another form (they already got one). I personally faxed it in to them. The other reviews are correct. Payment delay must be their game. I'm not gonna play around, and contacted my state insurance complaints dept. and filed a complaint. I'm not getting stiffed. Losing my beautiful Wife was hard enough, without this added grief. May God have mercy on their souls, if they continue to operate as such.
Public service announcement: Do NOT under any circumstances purchase insurance from American General Life Insurance, also known as AIG. I haven't been as dissatisfied and completely disgusted with the customer service from a company in many, many years, and yes, I have dealt with Comcast multiple times. This is worse. I won't go into details because of privacy issues, but please heed my warning and tell your friends and family.
My father passed away February of 2020. All of the beneficiaries received the paperwork from AIG. We submit the paperwork back with the death certificate. We have been getting the run around, each time we call it's a different story like I have read on the past reviews. I am surprised how a company can take advantage of families during their time of sorrow and they appear to have no one governing this agency. I have called over 20 times and each time it seems the next representative is worse than the last one. I don't understand how this company is still in business. I also have and insurance policy with AIG and after this experience I will be canceling. I would not recommend this company for any type of insurance services. The company has ethical issues when you view all of the complaints and the company is located in a few states.
I bought this policy in 1991 for $300,000 paid $100 a month..It is what the agent said...As time went on I had to increase it to $2000 then $300 a month...It was a universal policy....Now at age 70 it would have taken a $1000 a month to keep it in effect...The gove has banned this type of policy...I eventually was able to sell it to a broker...But it was a terrible experience. The agent lied right to my face about it....It was an AIG product....Don't be fooled....Life insurance agents are not to be trusted.
I got the policy when I was 19 or 20, got worse service for the last year I had it. Insurance man ALWAYS came to house til the last one. Spent 4 months trying to catch him or meet him at various spots and decided to cancel, was told had to meet in Chattanooga to verify name change so I did that, then asked to cancel, signed documents and left. Started getting bills, in mail over a year later. I called and was told policy was never cancelled, they still have wrong name on file so asked, Chattanooga office closed less than a week after my visits mailed another form. 6 months later got another bill, was told I didnt notarize it? Was due cash but guess that's how they keep it. Not paying another nickel and was a very incompetent person who was in charge of my policy, would never do business with them again. Over 18 years of pmts gone....
Purchased a travel insurance policy through their subsidiary TravelGuard. When we cancelled the trip due to illness, they stonewalled our claim for 4 months, refused to update us (I made 10 calls to confused representatives who gave false information) then settled the claim for 25% of the trip value. Do not use AIG or TravelGuard.
I had been meaning to obtain life insurance for my wife and I for quite some time. Did some research and for our particular needs/situation AIG was suitable. They even sent someone to our home to conduct the medical portion; which was a few questions and a blood draw. See no real reason to change.
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