American General Life Insurance

American General Life Insurance

 3.4/5 (774 reviews)

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Overall Rating3.4 out of 5
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About American General Life Insurance

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    American General Life Insurance Reviews

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: May 3, 2023

    I requested additional accidental death coverage for one policy but was told the coverage was under another policy number, which was, in fact, listed on the original policy received; however, I received no letter of cancellation of premium payment request for the additional accidental coverage under the separate policy number listed on the original policy. Now, I'm told they are unable to verify if a cancellation letter was ever sent. The point is the company offers policies that they never intend to cover, and despite you having no record of the policy in question's existence beyond a policy number listed on a policy with its own policy number, there's no one who admits there are serious problems with their recordkeeping as well as the serious lack of timely notification being offered to the insured when a premium payment, for instance, has lapsed.

    In my case, it is clear that the primary reason no notification was ever sent was due to the additional accidental death coverage never being serviced properly in the first place. I filed an appeal to have addressed what so wrongfully happened in my case and received a document advising what appears to be a bogus company put newly in place to address and resolve appeals submitted by the insured or the insured' legal representative when applicable. The name given on the document as the party handling appeals is New Jersey Internal Appeals Administrator, and, to date, I have not received verification of this responsible party's background or other pertinent information after my first written request.

    Recently, I mailed a second letter asking for the same information, but it's highly doubtful I'll receive anything, especially considering there's no information to be found of this party's existence anywhere on the Internet. At this point, I am uninterested in pursuing further any compensation, but I do want to warn consumers that when filing an appeal with American General Life Insurance (AIG), be prepared for an insurance-governing process that has no merit, including assurances that will never, ever translate to a consumer receiving assistance that correlates properly with printed documentation or anything else having to do with a company using honest and fair practices. My question is how long can an insurance company do business when its operations are so poorly managed?

    Come now, AIG, you must be aware that there are occasionally gray areas which have to be clarified. But how can they be when no one, absolute no one seems ever prepared to answer the whys when contradictions printed, on paper, abound? Maybe one day you'll be more concerned with educating your consumer instead of assuming no one's capable of understanding.

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    Verified Reviewer
    Original review: Feb. 28, 2023

    Been with American General since 1990. Husband, 74 years of age, has a Universal Life Policy which was to be used upon his death, not for loans or surrendering. Just received a bill for $783.54 which will pay the the monthly charges, not premiums, for the 2 remaining months left on billing cycle and a draft change for $2122.56 semi annually. This was to pay cost of insurance charges (death benefit amount, rating, gender, and insured age at issue date) for 2 months. Premiums were already drafted. I have been paying $210.00 since date of purchase. Unfortunately their notification of this massive draw down of policy value was sent in the body of a routine yearly statement and hard to distinguish from regular information. I did notice that the older he got, the higher the cost of insurance rose. Now we have no cash value and forced to cancel coverage because of high premiums to cover fees.

    All minor changes were done online and without assistance so there should not be a monthly fee of almost $300.00. Called Customer Service twice but all they can tell me is what is in their scripted responses. Others beware of what is happening to your policy value when you receive the yearly statement. This reduction only took 3 years to deplete the cash value. Went to expecting $100,000.00 upon death to maybe getting $500.00, if we're lucky.

    3 people found this review helpful

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      Verified Reviewer
      Original review: July 21, 2022

      I work for another insurance company and have been in the industry for ~5 years. As a part of my job, I frequently call other insurance companies to facilitate asset transfer. I have was cold transferred to a different department, waited on hold for 17 minutes, and then was told that I was in the wrong department for a second time. I asked to be warm transferred to the correct department and was instead hung up on. The financial advisor that I was working with was also on hold for 40+ minutes before he was hung up on. This is hands down the worst experience I've had with a company.

      2 people found this review helpful
      Verified Reviewer
      Original review: March 15, 2022

      We invested in American General Life almost ten years ago. Now that we need the money to help with upcoming bills, they keep giving us the run around. This has been going on for months. My only advice is, DON'T INVEST WITH American General Life. They Love taking your money but it's impossible to get it back.

      8 people found this review helpful
      Verified Reviewer
      Original review: Oct. 18, 2021

      My grandmother recently passed. She had a policy with this company since 1996 and apparently it was only for $3000.00. What gets me is my grandmother paired 91.00 a month since 1996 for what? $3000.00. I’m so at a loss that a company used my grandmother and didn’t help her in anyway. The funeral cost are way more than what they paid my mother. It makes me sick to know there are probably more senior citizens out there that could be taken advantage of.

      18 people found this review helpful
      Verified Reviewer
      Original review: Aug. 16, 2021

      My grandma had a policy through AIG. They tell you what to send and several weeks later say they never received it. They reference information they could only have if they got the original forms though. Customer service is ready to argue with you about everything. Death claims shouldn't be this complicated especially with a will! I've submitted the will and administrator of estate letter. Even after also sending a notarized heirship affidavit at their request (will and administrator document was not sufficient). Now they want me to send the funeral bills and I'm at a loss as to why they need it. It seems to me they will keep asking for documents so they don't have to pay the claim. I cannot with a good conscience tell anyone to purchase a policy with such a disorganized and deceitful company.

      21 people found this review helpful
      Verified Reviewer
      Original review: March 22, 2021

      If I could give this company a zero rating, I would happily do so. My mom had a life insurance policy with another company which was bought out by American General (AIG) in the early 2000s. Sadly, my mom died last year. I contacted AIG about the claim process; they said they would send paperwork which I never received. I had to contact them again a month later to get the paperwork. As secondary beneficiaries, each of my siblings and I had to fill out forms, which I mailed in one large envelope, along with my mom's original policy and her and my dad's death certificates (my dad had been the primary beneficiary, but he predeceased my mom). Each of us kids got mail from AIG last week indicating that AIG had never received the claim paperwork. This is an outright lie because AIG could not have sent out these letters to us if they did not have our mailing addresses, which we had to provide on the paperwork we sent to AIG in the first place.

      I talked to a representative who said that AIG never got the death certificates, which is also a lie because I included them in the paperwork I sent them. I'll have to resend the death certificates, which in my state are $25 apiece. I'll include a self-addressed, stamped envelope in the probably vain hope that they'll return the certificates. Meanwhile, AIG has personal information about my siblings and me, including our Social Security numbers, our mailing addresses, and even our bank account information. We had to provide all of this as part of the claim process. If AIG is so careless with my parents' death certificates, what guarantee do I have that the personal information my siblings and I sent them is safe?

      22 people found this review helpful
      Verified Reviewer
      Original review: Feb. 12, 2021

      After being awarded both life insurance policies in a divorce, I have been trying for 2 years to get it changed. First they mailed the wrong form, then they lost the change of ownership form. They requested supporting documentation which I promptly sent. I was then told they lost several of the pages. This has been an absolute nightmare, and the policy has still not been changed. Customer service is totally not helpful and basically puts the blame on the customer. I would never use this company for ANYTHING!

      15 people found this review helpful
      Verified Reviewer
      Original review: Oct. 24, 2020

      After reading numerous reviews, I was very worried after my Mother passed and her life insurance was with AIG that she paid into for 40 years. A lot of the reviews were so awful. I felt I needed to leave this review because my experience was much different. My mother passed in late September and I called AIG and filed a claim. I assigned the policy over to the funeral home so all of their expenses would be covered and I would receive the remainder. The representative I spoke to was so nice and within a few days I received all the paperwork. I overnighted everything to the funeral home to send in with their paperwork. In two days they contacted the funeral home and said they did not notarize their paperwork and needed to resubmit it. The funeral home and I did what needed to be done and faxed it.

      A few days later I called AIG and again the representative was very nice and helpful. She said, all the paperwork looked good and it would process and be paid within 7-10 days. It was 7 days when my balance after the funeral home payment was automatically deposited into my bank account. I feel foolish for worrying so badly about this because the process was simple, the representatives were all amazing, and I received the payment quickly. I have absolutely nothing bad to say about AIG and I think they were nothing but professional. I hope someone who is filing a death claim can read my review and feel some peace knowing it will go through smoothly!

      8 people found this review helpful
      Verified Reviewer Verified Buyer
      Original review: July 8, 2020

      We had the policy since 1994 and they made us sign for direct debit from our bank account. We did not change our bank since then. When the policy reached the term, they increased premium and continued to debit my bank account without informing us. However, we changed address, but, our email address was the same and we did not get any notification via our email, even though they had it on their file. After 6 months of them deducting $1300/month, we contacted them and inquired about it. We told them that we did not agree to continue the policy after it reach the term, but they said we have to inform them.

      So, told them to terminate it immediately and 4 weeks later, they went back and requested the debit from the bank. Thank God, I have already blocked their payments with the bank, so they can't continue with this scam. The worse company ever and we keep writing to them letters after letters and emails after emails and waiting to cancel it. On my online account, it still shows as it is active. They are taking advantage of people who were their customers for more than 20 years and that clearly shows that they are not at all trustworthy.

      20 people found this review helpful

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        American General author review by Neal Frankle

        American General was founded in 1850. They do business with 13 million customers worldwide and offer a wide range of insurance products and annuities.

        • Competitive: American General is often very competitive.

        • Online tools: The website has a very helpful interface for customers.

        • Ratings: American General has received high scores from many rating agencies.

        • Parent company: AIG, which was bailed out by the U.S. government, is their parent company. AIG made risky investments that few people understood, and were at the very center of the 2008 financial crisis.

        by Neal Frankle Life Insurance Advisor

        Neal Frankle is a Certified Financial Planner in Los Angeles. He is the publisher of, an information resource for consumers. He has been a professional financial advisor since 1991 and is the editor of

        American General Life Insurance Company Information

        Company Name:
        American General