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American General Life Insurance Company Review

American General Life Insurance company offers a variety of term life insurance policies and coverage options. American General life insurance rates are hard to come by online as the website pushes visitors to get American General life insurance quotes over the phone with an agnet.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 16, 2020

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American General Life Insurance Company
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As part of American International Group (AIG), American General Life Insurance is backed by a major force in the insurance industry. Their main focus is on term life insurance products.

About American General

American General was founded in Houston, Texas as part of American Common Insurance Provider in 1926. The company was one of the earliest multi-line insurers in the country. A series of acquisitions over the years expanded operations, and American General went public in 1968, having reached $1 billion in assets.

After many changes, American General focused in on the life insurance market, dropping many other lines of business along the way. In 2001 they were acquired by AIG Direct, becoming part of one of the largest insurance companies in the world.

Under the AIG banner, American General writes term life insurance directly. The company’s headquarters is in Amarillo, Texas.

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American General Term Life Products

The American General website offers limited information on their term life insurance policies. Most of what is listed is very general.

Term life policies are offered with a variety of term lengths and benefit amounts. The site does not state what any of these are, or whether or not they offer policies without a medical exam.

Visitors to the site are directed to request a quote or call a quote hotline. This approach pushes insurance shoppers into a sales environment rather than simply gathering information.

American General Rates

As noted, one is unable to obtain a quote short of filling out the request form or calling the “quote hotline”. As a direct sales company, American General blends information gathering with quoting, a tactic that may cause people to feel pushed into purchasing a policy since they are already on the phone.

This company writes term policies only, which are marketed as an affordable option for life insurance. As a large company with a very clear niche, they may be competitive with other large insurers.


The American General website has does not provide claims information. There is a customer login area for policy management, and it is possible claims information is found within this section.

Unfortunately for the beneficiaries of life insurance policies, it may be difficult to log in to an account owned by the deceased, making this less than useful for the claims process.

It seems likely that claims are handled through AIG since much of the information on the website points to the parent company.

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Ratings and Consumer Reviews

American General has an A- rating with the Better Business Bureau (BBB). There have been 20 complaints against the company in the past three years, six of which have been closed in the past 12 months. The BBB states the company’s failure to respond to one complaint is the reason the rating dropped to an A-.

American General has 172 reviews on Consumer Affairs, most of which are negative. Of the 34 star ratings left, 31 are one-star, and only one is five-star. Many of the complaints focus on problems with claims and with contacting the company. Most of them refer to AIG, indicating that it is, in fact, the parent company handling the claims process.

Overall, the complaint volume is not high for such a large company. That said, there does tend to be some confusion when a smaller company is part of a huge corporation like AIG. It is very likely that other complaints about this company are mixed in with general AIG complaints.

The Bottom Line

With so little information offered and the reliance on the AIG name and branding, any sense of American General as a company is hard to come by. They may well offer affordable term life policies and are certainly backed by a huge company, but it is difficult to recommend them specifically among AIG companies due to the lack of details.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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American General Life Insurance Company
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Hi, I would like to claim for an insurance. Could you tell me the procedure

  2. I have attempted to change agents three times and, the process is designed to not cause anything to happen.

    My agent retired several years ago and I moved to a different state. I have contacted AIG three times to get a new agent and, each time, I am told to fax a letter requesting the change along with certain other information. I have judiciously followed their instructions and no change. This is quite disconcerting given the fact that my previous agent passed away and, I can’t get any information from him.

    The company admits that I have a policy, am not dead, and, that the request is not unusual. I’ve even had one person guarantee that I am speaking with the correct person, am providing the proper information, have proof the fax was received, and; still no action.

  3. As a beneficiary to my mother’s acct. I have spent hours on the phone with AG trying to get my checks. They have a different excuse every time I call. Week after week after week goes by and no checks. My advice – GO SOMEWHERE ELSE!!

  4. I would like to know what the extra premium is for at the beginning of every year. This year they are charging me an additional $1,683.45 on top of my regular premium for a whole life insurance policy I’ve had since 1990. When I inquired about this they said it was for company dividends that doesn’t benefit me in any way. They said if I don’t pay it my insurance payout when it happens will be less $38,000.00! I feel like I am being hijacked into paying this huge price over my agreed upon premiums which have been paid on time for 28 years! This policy is for General American Life Insurance under Met Life.

  5. With already having a annuity policy with AG I’m trying to move funds from Chase to AG and i have had nothing but a pain in the neck but a lot lower. So far I’ve invested almost 1 month trying to get this done. Also tired of talking to overseas customer service reps that are hard to understand. Will advise again when this turns into another month of phone calls.

    • You should have this legally documented. It sounds like to me they are wanting to railroad you and take all the money you’ve paid in and make you disappear from their record so they won’t have to pay out. Just make sure you tell your lawyer about this or put some legal papers in your will. It’s a shame how people can do others. I don’t know how they lay their heads down and close their eyes ?

  6. I have had my life ins. policy with American General for almost 30 years & the past 15 years has been nothing but a hassle! Between changing my agent every time that I had to talk to a real person and just trying to pay my premium! I really hope that my family doesn’t have these problems when it’s time to file a claim!


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