AIG Life InsuranceConsumerAffairs Unaccredited Brand
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My family was with AIG Life Insurance. I got it when I had my first job out of high school. I've been with them ever since, going on ten years. My life insurance give me tons of reassurance for me without sky high policies. It puts me at ease and gives me a peace of mind. It would make anyone feel better knowing their loved ones will be taken care of, in case of the unexpected. I wish it was easier to get loans or take money out in the case of an emergency. I would consider other options if I got a better price. Other than that, I like it overall.
I like that they offer numerous types of plans such as life insurance, supplement insurance, employee benefits and I can buy policies for my private needs as well as my business needs. They offer all that I need and at a great price. Plus, it was easy to do. On the other hand, I would suggest that they offer policies for children or maybe accidental insurance. Other than that, the customer service was outstanding and they answered all my question. They took the time to explain everything and was very caring.
I choose AIG Life Insurance for many reasons. I like their insurance policies that provide the best for people, the flexible payment options that allow you to pay when you are in a bind and the overall attention to how it affects the people under it. I also like the various plans they offer and the quality of service is great. Many times before I failed to find the right insurance for me but this one provides all the coverage I am looking for. I like their wide insurance coverage as it allows for me to know that I have all the precautions for daily life. But I don't like that the support is a bit non-fluid at times.
I called AIG and they had the best rates of the places I called. It was easy to get things together and they had many different options you can pick from. I liked the options they offered the best. It was also easy to sign up and get everything filled out. But I had to fill out a lot of paperwork and some of that was a bit confusing so I was worried I would have filled something out wrong.
After purchasing my policy, I realized their customer service was horrible. When I contacted AIG by phone, the representatives could not assist me. I wrote AIG only to receive a letter back telling me they can not assist me and told me to contact a rep and gave me the exact same number. I already have and I had been calling for weeks only to receive zero assistance. Finally, my persistence paid off and my issue was resolved. I would not recommend this company for life insurance.
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My husband passed on Feb 7th, his father had a small $1K insurance policy on him, but has passed away himself. The funeral home contacted the company who said the policy was not enforce. My BIL contacted the company and they said yes it was enforce and would send me the paperwork. 1st they wanted a death certificate for my husband and a notarized statement they had sent for me to complete, BUT I couldn’t send it until 30 days after he passed, so I waited and sent it out on March 12th, then I contacted them when I received a request for proof of death AGAIN.
They said that they had received the paperwork and that that letter and what I had sent in passed in the mail, but I needed to send a death certificate or the official obituary notice on my father in law before they could process the claim. So, I sent them that, then on 3/24/2018 I got another letter saying that I needed to complete a proof of death to be filled out by the funeral home director, coroner or attending physician, (so I guess a original copy of his death certificate wasn’t adequate even though it had the state seal on it, the attending physician's signature and cause of death) they now need that done again on THEIR form and now they need a HIPAA form filled out.
This should have been contained in the first batch of paperwork that I received 2 months ago!! I called and asked each step of the way what was required and they have either deliberately withheld the info and are attempting to delay as long as they can to not pay or they are totally incompetent!! Either way it doesn’t speak highly of their level of integrity. DO NOT DO BUSINESS WITH THESE CLOWNS!!!
Seriously this company is the worst. How can they get away with not paying out money that’s owed to you. I made my contract with AIG not the 3rd party provider to who represents them and badly I might add. I was told on more than one occasion what my dividend balance was by AIG employees. Now suddenly I have no dividends. So I canceled a policy I’ve been paying on and would have continued to pay on for another 25 years. I have lost all confidence and feel as though I’ve been ripped off. Do not buy anything from this very very shady company.
Worst insurance company I've ever seen. They have a totally arbitrary and opaque claim process. At the end, a claim was denied on my policy for dubious reasons (but they already intended that). No appeal process. No customer service. No Ombudsman. Wasted premiums. Anyway, to those who were lucky enough to never have to file a claim, I ask... were you really covered in the first place? Really? Buyer beware with these misleading crooks and tricksters! Shop for clear insurance elsewhere.
I hired agent to hook me up with Insurance with different company and life insurance with AIG Life Insurance for 17.33 a month. Found out they been taking out payments for 3 policies without authorizations. My policy says one payment every month for an 100,000 payout of life insurance. Without my permission AIG created 2 more policies that I have no records of but have been automatically taking not only the 17.33 I agreed on but a additional 94.03 for a policy I didn’t ask for and another policy for 29.06 that I never knew about.
Because I have been recouping from a injury that has me on the highest dose of painkillers I didn’t see the additional charges until recently. My bank is investigating it. I called AIG. They claim we have no policy with them. That’s as far as I got since you can’t be helped when they have no record of your policy. AIG is a fraudulent corrupt thieving company who take money adds policies onto your bank records for multiple payouts for policies you never asked for agreed to or authorized. I called my agent. He said only one policy was created and they shouldn’t be taking out additional payments for additional policies that were never authorized or requested. Fraud! Fraud! Fraud! Time for a national lawsuit?
Parents had about 10 paid up policies. My dad died October. Will be 2 years ago. We still have not resolved nor gotten money from several policies. We have filled out numerous form, send death certificates and nothing. All numbers called in different locations. They refer to another. My advice DO NOT BUY ANY KIND OF INSURANCE FROM AIG. I do realize these policies were with other companies that was acquired by AIG. No excuse.
I had a Life insurance policy through "AIG Life insurance in the city of New York" on my wife who passed away in May 2017. I've called them 11 times and they failed to provide a reason why I have not received the life insurance pay out. 2 certified letters were sent explaining the issue, which were signed for but not responded to. I've requested the Life policy documents to sign several times but received nothing. Would you have a direction I can go to resolve this issue?
Been working on this for over a year. Company reps are beyond incompetent. Have not been able to get consistent requirements, phone call to phone call. For a $1250 policy... Will never in my life ever do business with these bozos for any reason.
My sister and I have been trying to settle a claim for a year. Customer service is barely understandable and completely useless. They claim that documents that we sent and were signed for by them were never received. They claim that I contacted them 4 years ago and I didn't even know the policy existed then. It appears they hope we'll just give up so they won't have to pay. Scam company.
I have a good experience with AIG overall. They are very professional and do their job well. I would recommend them to everyone I could. I have done my research and I would give them a overall score of 99 and that was because of the incident I had with them one time. They are very kind and they have help me with several things and are very nice. They are respectful and they care a great deal about their customers and their needs. But they should keep closer look and handle on their records because I have had a experience with them that my record has gotten lost but they had found it and called me right away to let me know that they had misplaced the record.
I like that AIG Life Insurance is very popular and has a good reputation. My policy was well maintained and I felt that I could easily reach their customer service team if I needed to. My experience, when I had a policy, was a positive one. The only reason I ended my policy with them was because I found an equal policy with another company at a lower rate so I decided to switch.
It was easy for me to sign up. It's pretty cool. The customer service was/is great. Every time I call and ask questions they are very polite, answer me in every possible way. They seemed they care. Overall it sounds great in what they are saying they offer but we will see in the long run. It does have bad reviews overall when I check it online. I just bought so I have it. I hope it will be helpful.
I like that the company's been around for a long time and that I don't have to wait a long time for my policy to activate. And everyone I have talked to about really liked it. They had better reviews for their company than a lot of the other companies I looked at and I feel as though I can trust them with my future. It's very important to have this with recently losing my father. But the customer service is not reviewed well. I have had trouble getting in contact with them from time to time. IT is very important to be able to get a hold of them.
I like everything about AIG. They're excellent because they offer a good payment system and flexible in case you need to adjust your savings' future. Their payment plan and the customer service are awesome. They try to solve issues as quickly as possible. Plus, they are very polite and enthusiastic. But nothing too special.
AIG insurance is the best hands down and is in a class by itself. Insurance companies are nothing like AIG insurance. I like everything about the company including their rates and types of insurance offered like permanent, whole life and term. They also have multiple forms of payment. Also, policy writers are phenomenal and the best in the business. However, I wish it were free and that the rates did not have to increase over time. But, I still think they are awesome. They are a great company and I will be with them for a lifetime.
AIG worked with me and worked around getting everyone there. Identified, signed and help on getting paperwork filled out and with what family members to put in it, who had to be there and what paperwork had to be brought to them and what it detailed. Getting it stamped. And getting copies for everyone. Then getting everyone where they needed to be. But, it was hard to get someone to meet with you and be exact with what paperwork you needed and what people you needed and what identification they needed to bring.
AIG Life was able to give us the best product at the best price and their customer service was outstanding. I love the quality of customer service that they provide. They are always there to answer any questions you may have and never make you feel like a burden for asking them. The representative made sure that all of our questions were answered and we were comfortable with the product we had chosen.
Policy was purchased as a supplemental life insurance to help cover expenses while caring for my 80-year old mother. One and one half times payment guaranteed to be paid out if death occurs within two years of initial coverage. She passed away before the end of the 2 year initial coverage period. Payout was efficient and customer service was excellent and efficient as well. If I didn't have a policy of my own, I would purchase for myself.
AIG almost went bankrupt year or two ago. Not instilling confidence in me. But, if I cancel I lose coverage, and have to shop again, higher prices. I fear they won't be around to pay up in the end.
The policy is good, I've had it for going on three years. The price is decent, I would recommend that you get it while you're young. You can get more Bang for your Buck. They automatically get payment straight from the Bank, so it's never really noticed. The first thing they should leave you with a very clear contact number. I had to call so many numbers before I actually was put in contact with the company. The second thing is being able to borrow against your policy. I was told it was available after two years, but it's not... It has to be three years. They need to make information like this readily available. Don't need to hunt. I had dealing with this company back in 1990s. They were fabulous... so I went with them. All in all they're a great company, very helpful, and patience... they have loads!!! Rates are steady, and the agent that came out was a real helper. I tell all my friends.
One month in the Hospital with one week in patient Rehab. My Vascular Surgeon would not allow me to return to work until November. AIG paid for one month Disability, I have been on the phone numerous times with AIG representatives to no avail. I was in Rehabilitation for a total of five months per my Vascular Surgeon. Definite RIPOFF.
My husband and I went in without knowing a lot about life insurance, what we needed, how to go about it, and they helped us with each step of the way. Our purchase and study of life insurance was simple because of the employees. This is a amazing company. We had never heard anything really about MoO, but we still took the leap and went into to office and met with them. It was a great experience from the beginning all the way to the end.
I got AIG life insurance from my employer and union. They want me to get one. I like the plan because it is automatically taken out of my paycheck every pay period. It leaves me some sort of peace of mind but I would still not want to spend much. I dislike the high premium of the plan because I am still in my 20's so it is ridiculous. Also I like that they used to sponsor my favorite soccer team Manchester United but I don't like that they don't anymore. They should sponsor Manchester United again. They are getting better and it will fit them.
I took out a life insurance policy with Franklin Life Insurance nearly forty years ago. My Franklin policy was bought out by AIG decades ago. Many years ago my policy reached a point where I was earning enough dividends that I could pay my annual premium with my dividends. Each year I would simply call AIG and request they pay my annual premium from my dividends. It took 5 minutes and I received email confirmation that my premium was paid. Two years ago when my annual premium was due, I called AIG and requested my premium be paid from my dividends. I was told I can no longer do that over the phone and was told they would mail me a form. The form never arrived and my 30 day grace period was approaching so I sent a check afraid they would cancel my policy before I could utilize my dividends to pay.
My annual premium is again due for 2018 and I called AIG 1/29/18 to request they use dividends to pay my premium. The person answering the phone is from "Insurance Services Alliance One". Again told I cannot do this over the phone and they would mail me a form. No form received. I called again 2/5/18 (answered by Insurance Services Alliance One) and was told I would have it in my mail on 2/7/18. 2/7/18 came and no form. I again paid my premium with a check and sent the check via certified mail to assure they received the check before my 30 day grace period expired.
Today 2/16/18 I called as I still have not received the form. (The phone number on my premium 1-800-633-6259 is always answered by Insurance Services Alliance One). I again was told the form was mailed. I asked who Insurance Services Alliance One is and was told they are a third party provider for AIG. I requested to speak to someone from AIG and was told AIG has turned over my account to them. I Googled AIG and called them directly. (Each time I call I speak to someone from the Philippines). AIG told me my account has been turned over to Insurance Services Alliance One and that AIG no longer has any info on me. I said I wanted to speak to a supervisor and was transferred to you guessed it, back to Insurance Services.
After realizing I was again speaking to Insurance Services I demanded to speak to AIG. Again told AIG does not have my info, only Insurance Services does. I asked if Insurance Services Alliance One is an insurance company and was told no, only a third party provider handling my account. I again demanded to speak to AIG and again was told AIG has turned over all info to Insurance Services Alliance One who is not my insurance company. So I cannot speak to anyone from AIG about my own account, only a third party provider who has all my personal info i.e. S/S number, date of birth, address, phone etc. How the hell does that happen. AIG is my insurance company but I am not allowed to talk to them and even if I did, they no longer have my account info? Something is seriously wrong here.
I use Expedia for all my Company and employee travel. They offer you the choice to buy trip insurance when you purchase your airfare. I had made a reservation for one of my employees to fly from Georgia to Oklahoma City and purchased the trip insurance. Well my employee twisted his ankle and was unable to make his flight. I filed a claim with AIG and what a mess and horrible experience. I finally decided to lose the $400 airfare and the $30 I paid for the stupid insurance and move on. They wanted documentation from everyone except the brain surgeon. It was only a sprained ankle. Well no more AIG and no more Expedia. Since they endorse AIG they lost my business as well!!! 1 Star is as low as it goes or I would give them zero.
We were on a trip that was completed in Cambodia in October 2017. Upon leaving Cambodia, the plane had a mechanical failure, which subsequently caused us to miss a flight and a planned hotel stay. We submitted the claim to AIG for missed connection which was covered by our Travel Insurance. Because we did not receive a letter from the Cambodian airline detailing the issues surrounding the mechanical failure, AIG refused the claim. Furthermore, AIG would not accept an email receipt from Delta Airlines concerning the additional flight that we had to pay for ourselves.
It seems to me that our claim was well founded, appropriate and well documented. If an insurance company requires unreasonable documentation, then I don't think that they will ever have to pay. Thus, to me at least, AIG is a fraud, and I will definitely never buy their insurance again. After all, why buy insurance, when it won't pay a claim.
AIG Life Insurance Company Information
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- (800) 445-7862