Carrier Review
AIG Final Expense Insurance Review
Guaranteed Issue · Underwriting ages 45–85 · 4.1/5 SureChoice rating
Overall: 4.1 / 5
Score derived from our four-factor methodology — price competitiveness, no-waiting-period availability, financial strength, and complaint volume.
Pros
- + No health questions
- + Cannot be denied
- + Operates in all 50 states
Considerations
- − Underwriting limited to ages 45–85.
- − Coverage caps vary; verify maximum face amount during application.
- − 2-year graded period before full death benefit applies.
How AIG's plan works
AIG offers guaranteed-issue coverage — no health questions, you cannot be denied. Years 1–2 pay back premiums plus interest in lieu of the death benefit; year 3 onward pays the full face amount.
How much does AIG cost?
Indicative monthly cost across our cheapest applicable carrier baseline, non-tobacco female. Real pricing for AIG specifically depends on full underwriting.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $11.88/mo | $23.75/mo | $35.63/mo | $47.50/mo | $59.38/mo | $118.75/mo |
| 55 | $14.87/mo | $29.74/mo | $44.61/mo | $59.49/mo | $74.36/mo | $148.71/mo |
| 60 | $18.62/mo | $37.25/mo | $55.87/mo | $74.49/mo | $93.12/mo | $186.24/mo |
| 65 | $23.32/mo | $46.65/mo | $69.97/mo | $93.29/mo | $116.61/mo | $233.23/mo |
| 70 | $29.21/mo | $58.42/mo | $87.62/mo | $116.83/mo | $146.04/mo | $292.08/mo |
| 75 | $36.58/mo | $73.16/mo | $109.73/mo | $146.31/mo | $182.89/mo | $365.78/mo |
| 80 | $45.81/mo | $91.61/mo | $137.42/mo | $183.23/mo | $229.03/mo | $458.07/mo |
| 85 | $57.37/mo | $114.73/mo | $172.10/mo | $229.46/mo | $286.83/mo | $573.65/mo |
Indicative monthly premiums for female, non-tobacco. Real pricing depends on full underwriting.
Application process
- Complete the SureChoice quote calculator.
- A licensed agent calls to verify details and confirm pricing.
- Carrier underwriting decision (typically same-day for level / graded plans).
- Sign and pay first premium. Coverage starts immediately.
Claims process
- Beneficiary contacts AIG or our agent line.
- Submit certified death certificate.
- Carrier verifies coverage was in force.
- Payout typically within 7–14 days of receipt.
How does AIG compare?
Compare AIG with the rest
Our calculator returns indicative pricing from AIG alongside every other carrier in our panel.
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