AIG vs Nationwide Life Insurance

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Last Updated: January 2022

Ratings

Insurify Composite Score

AIG
73
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Insurify Composite Score

Nationwide
93
What is this?
Financial Ratings
Company NameAIG Nationwide
A.M. BestAA+
Standard & Poor'sA+A+
FitchA+--
Moody'sA2A1

Term Life Insurance

Policy DetailsAIG Nationwide
Term Length10, 15, 35 Years10, 15, 20, 30 Years
Guaranteed LevelGuaranteedGuaranteed
Maximum Age70 Years--
Death Benefit Min$100,000--
Death Benefit Max$2,000,000--
Payment IntervalMonthlyMonthly
RidersAIG Nationwide
Living/Accelerated Death Benefit--Yes
Waiver of Premium--Yes
Child Protection--Yes
Spouse Protection--Yes

Whole Life Insurance

Policy DetailsAIG Nationwide
Minimum Age50 Years--
Maximum Age85 Years100 Years
Death Benefit Min$5,000$10,000
Death Benefit Max$25,000--
Annual Fees$24--
RidersAIG Nationwide
Accidental Death Benefit--Yes
Living/Accelerated Death Benefit--Yes
Waiver of Premium--Yes
Child Protection--Yes
Spouse Protection--Yes

Universal Life Insurance

RidersAIG Nationwide
Accidental Death Benefit--Yes
Living/Accelerated Death Benefit--Yes
Waiver of Premium--Yes
Additional Insured Term--Yes
Waiver of Monthly Deduction--Yes
Child Protection--Yes
Surrender Value Enhancement--Yes
Overloan Protection--Yes
Long-Term Care--Yes
Spouse Protection--Yes
Estate Protection--Yes

Variable Universal Life Insurance

Policy DetailsAIG Nationwide
Minimum Age--18 Years
Maximum Age--85 Years
Death Benefit Min--$100,000
RidersAIG Nationwide
Accidental Death Benefit--Yes
Living/Accelerated Death Benefit--Yes
Waiver of Premium--Yes
Additional Insured Term--Yes
Waiver of Monthly Deduction--Yes
Adjusted Sales Load--Yes
Policy Split Option--Yes
Child Protection--Yes
Surrender Value Enhancement--Yes
Overloan Protection--Yes
Long-Term Care--Yes
Spouse Protection--Yes
Estate Protection--Yes

Indexed Universal Life Insurance

Policy DetailsAIG Nationwide
Minimum Age--0 Years
Maximum Age--70 Years
Death Benefit Min--$100,000
Minimum Interest Rate--2%
RidersAIG Nationwide
Accidental Death Benefit--Yes
Living/Accelerated Death Benefit--Yes
Waiver of Premium--Yes
Additional Insured Term--Yes
Waiver of Monthly Deduction--Yes
Child Protection--Yes
Surrender Value Enhancement--Yes
Overloan Protection--Yes
Long-Term Care--Yes
Spouse Protection--Yes
Estate Protection--Yes

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.