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AIG
About AIG life insurance
AIG Inc (American International Group, Inc) is a global insurance organisation that provides protection products to customers in around 70 countries.
The firm was selling life insurance to customers in the UK under its AIG Life Limited subsidiary, which was acquired by Aviva in April 2024 and renamed Aviva Protection UK.
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What type of life insurance does AIG offer?
AIG’s life insurance product line has been taken over by Aviva. Those with existing AIG policies are now being served under the Aviva Life & Pensions UK Limited branding.
The following life insurance options are available in this product line:
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Life insurance
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Life insurance & critical illness cover
If you hold an existing AIG life insurance policy and Aviva are yet to contact you about switching to an equivalent product with them, it’s a good idea to speak to an independent life insurance adviser, like us, to explore all of your options before committing to Aviva.
Product information
If you are looking to switch from an existing AIG policy or take out a new one there are equivalent deals available from Aviva. Here are specific details about their products:
Life insurance
Aviva’s standard life insurance policies work in the same way AIG Life Limited’s did, paying out a lump sum to the policyholder’s beneficiaries when they pass away.
Here is everything you need to know about Aviva life insurance:
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Term types: Level and decreasing term policies are available. Protection against inflation is optional for level term agreements.
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Age restrictions: This type of insurance is available for those aged 18-77.
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Maximum cover: Offers life cover for up to £5 million.
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Term lengths: Can be taken out with a term length of between 1 and 50 years, or until the policyholder turns 90 years old.
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Terminal illness cover: Is included and will pay out if the policyholder is diagnosed with an incurable illness that gives them a life expectancy of 12 months or less.
The insurer’s standard life cover is available for solo applicants or on a joint basis for two people. However, joint policies will only pay out for the first applicant who passes away.
If you separate from your partner during the term of a joint policy, Aviva will give you the option to divide the plan into two solo policies.
Over 50s life insurance
Aviva’s over 50s life insurance is available to applicants from this age and up, and pays out a guaranteed lump sum when they die, regardless of when that happens to be.
Here is the key information about this type of protection:
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Term types: Only available as a level term policy.
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Age restrictions: Available from age 50.
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Maximum cover: The maximum payout can vary, with premiums costing anywhere between £5 and £100 per month.
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Term lengths: Covers you for the rest of your life, from aged 50 onwards.
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Terminal illness cover: Is not included with this type of coverage.
Over 50s life insurance is limited to solo applicants. You do not need to undergo a medical as the payout is guaranteed, although it will only be an amount equal to the premiums you have paid if you die during the first 12 months and it isn’t an accidental death.
Life insurance and critical illness cover
Aviva will give you the option to buy critical illness cover (CiC) alongside a life insurance plan, but does not sell them as a combined policy. This means that making a critical illness claim will not affect your life policy, which should still pay out the full amount when you die.
CiC pays out a lump sum if the person covered is diagnosed with, or has to undergo surgery for, one of 52 serious illnesses listed in Aviva’s terms and conditions.
Extras and exclusions
Your life insurance policy will not pay out if you:
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Stop paying your premiums
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Die outside of the specified term
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Die as a result of suicide or self-inflicted injury in the first 12 months
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Provided false information during the application process
When you take out life insurance with Aviva, the policy will come with bonus perks including access to the firm’s Aviva DigiCare+ app, a complementary service that provides an annual health check, mental health support, and access to personal nutritionists.
Aviva also gives you the option of taking out Free Parent Life Cover alongside any life policy you take out with them, offering £15,000 of cover per parent, for each child.
What kind of reviews does AIG have for its life insurance?
Aviva Protection UK, which has taken over AIG’s UK life insurance range, has a rating of 3.2/5 on consumer review aggregation platform TrustPilot. This indicates above average reviews and is based on feedback from 189 users at the time of writing (February 2025).
AIG itself has an average rating of 1.4/5 from UK users on the same platform, but this is based on feedback for all of its products and services, not just life insurance.
Aviva, meanwhile, was rated 5/5 for all of its products and services by Defaqto, an independent, unbiased researcher of financial products.
How to get an AIG life insurance quote
You can no longer get a life insurance quote from AIG in the UK but there are countless equivalent products available from other providers, as well as Aviva, who acquired them.
The best way to get a life insurance quote tailored to your needs and circumstances is through an independent life insurance adviser, like the ones on our team. They will compare every deal that fits your requirements and offer bespoke advice on which one to choose.
Get started here to book a free, no-obligation chat with one of our life insurance brokers today to find out what your options are and begin your application.
FAQs
You can contact AIG about an existing UK life insurance policy by phone on 0345 600 6820. Since Aviva’s acquisition, the new email address for enquiries is enquiries@protection.aviva.com and the postal address to use is AIG Life Limited, PO Box 12010, Harlow, CM20 9LG.
If you are making a claim on an existing AIG life insurance policy, use the phone number above or send an email to claimsteam@protection.aviva.com.