Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 31, 2021

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The Brief

  • AIG has a better A.M. Best rating than Fidelity Life, while Fidelity Life has a high BBB rating
  • Fidelity Life promotes more products online than AIG
  • Both companies offer term, universal, and whole life insurance policies

Finding the right insurance coverage for you at a reasonable rate is a challenge. Because there are so many insurance companies and policies to sift through, it is easy to get overwhelmed.

Whether you’re buying life insurance for a 30-year-old or for a senior citizen, most of the work for buying life insurance is in the details of researching and comparing companies until you find the right fit.

Fortunately, we have done some of the hard work for you in this AIG vs. Fidelity Life insurance review.

Keep reading to find out what you need to know about AIG and Fidelity Life insurance companies, including products, ratings, and more.

Before you compare AIG vs. Fidelity Life, enter your ZIP code into our free online tool for affordable life insurance quotes from companies near you.

AIG vs. Fidelity Life: What products are offered?

Currently, American International Group (AIG) is a finance and insurance company in the United States. It offers personal and business lines of life insurance.

AIG offers three general life insurance policies, term life insurance, universal life insurance, and guaranteed issue whole life insurance. In addition to those three general policies, AIG promotes retirement services, mutual funds, annuities, and more.

In addition to its general policies, AIG offers Travel Guard Travel Insurance. AIG travel insurance covers you just about anywhere in the world and includes help with canceled flights, lost bags, sudden health emergencies, and more.

Fidelity Life Association is a life insurance company headquartered in Chicago, Illinois that offers personal life insurance lines to people across the United States.

Similar to AIG, Fidelity Life offers three general life insurance options. According to Fidelity Life’s website, the company sells term life insurance, permanent life insurance, and final expense life insurance.

Usually, life insurance for 85-year-olds and up consists of final expense or permanent life insurance. These policies cover individuals for a lifetime and funeral expenses, medical bills, and more.

Final expense and permanent life insurance policies are much more expensive than term life policies, but their coverage does not have an expiration date.

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What are AIG vs. Fidelity Life rates?

A great way to compare your top choices for life insurance companies is to look at their sample rates. Take a look at the table below for sample AIG vs. Fidelity Life insurance quotes.

AIG vs. Fidelity Life Average Monthly Life Insurance Rates for Women
Age of Female Non-SmokerAIG Average Monthly Rates $100,000/20-yearFidelity Life Average Monthly Rates $100,000/20-year
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When looking at these AIG vs. Fidelity Life insurance rates, remember that each life insurance company is different, and each will underwrite you based on your health history, current habits, age, and more.

AIG vs. Fidelity Life: What riders are offered?

Life insurance riders are optional terms and conditions that you can add to your life insurance policy. Although riders increase your premiums, they enhance your policy and give you even more tailored coverage.

Fidelity Life lists the life insurance riders it offers on the company’s website along with its other life insurance policies. Fidelity life insurance riders include the following:

  • Accidental Death Benefit
  • Family Accidental Death Benefit
  • Accelerated Benefit Rider
  • Child Insurance Policy Rider
  • Inflation
  • Return of Premium Rider

Some of these riders are automatically included within your Fidelity Life insurance policy, and others are added apart from your policy.

Unfortunately, AIG does not list any of its riders on the company’s website. However, check out our AIG Life Insurance Review for more details on AIG’s life insurance policies.

AIG vs. Fidelity Life: What are the ratings?

When comparing two insurance companies, a great place to look is at each one’s financial ratings. These represent the company’s ability to take care of you financially should you need to file a claim.

AIG has an A.M. Best rating of A (Excellent), and Fidelity Life has an A-.

Fidelity Life also has an A+ rating with the Better Business Bureau.

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Are there AIG vs. Fidelity Life complaints?

Checking out a company’s customer complaint rating gives you a better understanding of how trustworthy the company is. Hearing from other customers about a company’s service can help you decide whether or not to purchase its coverage.

According to the National Association of Insurance Commissioners (NAIC), Fidelity Life has a complaint rating of 2.83. As the national average is 1.00, Fidelity Life has a complaint rating almost three times higher than the national average.

Unfortunately, we were unable to find a complaint rating from NAIC for AIG Insurance.

AIG vs. Fidelity Life: History

Fidelity Life Insurance was founded in 1896 and has paved the way for many other life insurance companies since. It was the first company to do e-signature and deploy automated underwriting engines, and it was among the earliest to use a paperless application process.

It is important to note that Fidelity Life Association is different from Fidelity and Guaranty Life Insurance. Fidelity & Guaranty is another life insurance company with a different set of life insurance coverage options.

AIG was founded in 1919 in China as American Asiatic Underwriters and was quickly changed to a life insurance company after gaining popularity.

Currently, it is headquartered in New York, NY, and consists of four main operating segments: Individual Retirement, Group Retirement, Life Insurance, and Institutional Markets.

AIG also consists of three primary life insurance companies in the United States: The Variable Annuity Life Insurance Company, American General Life Insurance Company, and The United States Life Insurance Company.

Check out our Fidelity Life Association Insurance Company Review for even more information about the company and its policies.

AIG vs. Fidelity Life: The Bottom Line

The decision between AIG vs. Fidelity Life boils down to your needs. Both companies offer similar coverage, and both are well-known and reputable companies.

Both AIG and Fidelity Life offer personal life insurance as well as retirement services. The main difference between the two is that Fidelity Life promotes more of its products online, while AIG encourages customers to talk with an agent for more information.

And if you find you still need to dig deeper in differntiating the tool, remember, you always have a free online tool at your disposal: their respective websites.

Now that you have learned more about AIG vs. Fidelity Life Insurance companies enter your ZIP code for free life insurance rates from companies in your area.