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AIG Direct Review – What do they offer? Are they too agressive?


My name is Christopher Lalor and I am an independent life insurance agent.  I have to admit, I don’t like big insurance call centers like AIG Direct very much.  They are the Goliaths of the life insurance industry.  It’s true.  They sell more life in one month than the independent agent sells in an entire year. This does not make them better than the independent agent, it just means they are bigger and have more name recognition.

AIG Direct is how American General Life Insurance Company markets their life insurance products directly to the consumer. American General also lets independent agents like myself market & sell the same life insurance products at the same exact price as AIG Direct.

I  have to compete everyday against AIG Direct for the privilege to earn your business and be your life insurance agent. Despite the fact AIG Direct’s marketing budget is much bigger than mine, I have had good success competing against them.  How have I done this?

My secret weapons to earn your business

  1. I have MORE life insurance companies to quote vs. AIG Direct.  When you call AIG Direct, the only company they quote is American General Life.  Why limit yourself to only one option?  You can get quotes for American General & all the other top rated companies right here on this website.
  2. I have a more in depth knowledge (20+ years) of the company underwriting guidelines. (For example -Did you know that Banner Life, unlike most life insurance companies, will still give you their best health class if you have a family history of cancer?  Guess what?  American General Life will NOT give you the best health class with a family history of cancer!)
  3. My approach is not aggressive.  My focus is on your budget, goals and finding the best life insurance product that meets your needs.
  4. My service is excellent!


But how do I convince you to give me a chance to earn your life insurance business instead of using AIG Direct?  To start, here are some facts about AIG Direct

Review the fine print when looking for a term life insurance quote from AIG Direct!

Below is what the AIG Direct quote box looks like on their website.  When you enter your contact information in the AIG Direct quote box you get…


Only 1 Option + You get harassed!

  • No instant quotes on the AIG Direct website from all the top rated life insurance companies. The only option is American General Life!
  • AIG Direct calls your phone in under 3 seconds on an automated dialer!  (Read their disclaimer in quote box above.)
  • Multiple phone calls /day from their auto dialer for the next several weeks.  How annoying!!!
  • Instant & repetitive follow up emails.  They clog up you inbox until you unsubscribe.
  • They have an aggressive sales approach with a hard close to get the application done on the first call.  You feel pressured!

American General DOES NOT have the best price

Check out these sample quotes

Male Age 45 – $250,000 – 10 Year Term


Male Age 55 – $250,000 – 20 Year Term


Every $$$ Counts!  Don’t pay more for your life insurance with American General Life.  You can save $$$ if you shop around.


***Always review the life insurance company’s underwriting guidelines BEFORE you submit an application and take a medical exam for any life insurance company***

Why You Should Buy Your Life Insurance On This Website

  • Save $$$ – Get the lowest cost possible for your life insurance.
  • Save time – Instant online life insurance quotes from ALL the top rated life insurance companies.
  • No pressure sales tactics – It’s better to take your time and get it done the right way!
  • Superior Service– The attention to detail your application deserves.  This is especially true if you are approved at a different health class than you applied for, have health conditions, or have certain hobbies or habits.
  • Very fast and convenient online application process – The quickest approval possible
  • Licensed since 1992 –  State license number provided upon request.  I will be the agent who actually signs your application.
  • I want to be your life insurance agent!

How’s the approach and service at AIG Direct?

Depends on who you ask.

  • Their service is outstanding according to the reviews on the AIG Direct website.
  • You see a different perspective if you read some of the complaints on the Better Business Bureau website.

Generally a “call center” sales approach lacks the special service and sometimes leads to complaints.  This could hinder you from getting the best price on your life insurance especially if you have specific health issues or certain lifestyle habits or hobbies.

Frequently asked questions about AIG Direct

  1. Is AIG Direct legitimate?   Yes!  AIG Direct is NOT a scam.  AIG Direct has helped thousands of people buy life insurance online from American General Life.
  2. Is AIG Direct the same as Matrix Direct?  Yes.  AIG Direct operates under the name of Matrix Direct Insurance Services in MA and Matrix Direct, Inc. in some states.
  3. Is AIG Direct the exclusive seller of American General Life?  The answer is No.  You can buy American General Life from this website.
  4. How does AIG Direct make money?  AIG Direct makes a commission on every insurance policy they sell.  This commission is paid by the life insurance company and not the buyer.
  5. Do I have other options besides American General Life when shopping at AIG Direct?  Not really.  AIG Direct is a subsidiary of American General Life Insurance Company.

Still have questions?  Call us at 888-681-4952.

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