Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

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 Leslie Kasperowicz

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Men pay less when they go with Lincoln Heritage life insurance over AIG
  • Women pay less when they go with Lincoln over AIG
  • Lincoln is slightly more well-reviewed than AIG by the BBB
  • AIG is slightly more well-reviewed than Lincoln by A.M. Best

Because there are so many options out there, it can be for the best that you narrow down your gaze to two companies. For this reason, we will be focusing on AIG vs. Lincoln today.

Our AIG and Lincoln Heritage comparison will cover both company pricing and the ratings given by the Better Business Bureau and A.M. Best.

Before diving into AIG vs. Lincoln Life Insurance Company, type your ZIP code into our free and helpful tool above. With it, you will find the most affordable life insurance rates in your area.

AIG vs. Lincoln: Which company offers more affordable rates to men?

Where is the best place to start when comparing life insurance companies? Many choose to start off with company pricing.

Let’s look at a table comparing the rates offered to men of various ages by various companies including Lincoln and AIG.

Average Male Monthly Life Insurance Rates by Age and Company (20-year Term $250,000 Policy)
CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly RatesAge 60 Average Monthly Rates
Accordia Life$27.15$40.05$105.47$300.38
American Amicable$20.48$27.68$51.08$128.93
Liberty Mutual$33.75$55.13$144.68$399.83
Nationwide $16.02$21.36$53.85$180.23
Mutual of Omaha$13.33$19.35$33.33$80.84
Fidelity Life$19.14$25.01$54.59$73.92
John Hancock$14.09$16.96$28.41$88.14
Haven Life$23.45$31.20$85.47$245.67
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Is it easy to find affordable AIG vs. Lincoln life insurance quotes? As you can see, for men in their 30s, AIG is about $8 more per month.

Men in their 40s can expect to pay twice as much with AIG (American General). Those men who are in their 50s will pay $47 more per month with AIG.

Lastly, men in their 60s will be paying about $141 less per month should they choose to go with Lincoln. Let’s move on to AIG vs. Lincoln life insurance rates offered to women of various ages.

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Which company offers more affordable rates to women?

Now, let’s analyze the rates offered to women of various ages. The following table shows the rates offered by various companies including AIG and Lincoln.

Average Monthly Life Insurance Rates for Females by Age and Company (20-year Term $500,000 Policy)
CompanyAge 30 Sample Monthly RatesAge 40 Sample Monthly RatesAge 50 Sample Monthly RatesAge 60 Sample Monthly Rates
Liberty Mutual$25.20$42.53$107.78$250.65
Mutual of Omaha$11.61$16.56$27.31$57.19
Fidelity Life$16.10$22.62$45.68$58.32
John Hancock$12.39$14.86$23.86$50.94
Haven Life$20.01$27.76$68.24$160.40
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When deciding whether to buy AIG vs. Lincoln life insurance, women would also be better off with Lincoln.

This is because Lincoln is consistently cheaper than AIG for women of various ages. This is particularly true for women in their 50s, where Lincoln is $26 cheaper per month.

Now, we will wrap up with company ratings and see if Lincoln can secure a landslide victory.

AIG vs. Lincoln: Which company is more well-reviewed?

We will now wrap up by analyzing AIG and Lincoln life insurance reviews from the Better Business Bureau (BBB) and A.M. Best.

A positive rating from one or both of these organizations can give the potential insured the confidence to choose a particular life insurance provider. Navigating through insurance contracts, the application process, and all of the other aspects of finding insurance can be frustrating. That’s why we’re here to help.

The BBB scale ranges from “A+” down to “F.” AIG received the Better Business Bureau’s lowest rating of “F” and also lacks accreditation.

Did Lincoln do any better with the Better Business Bureau? Yes, but they are still not BBB accredited and received a middling score of “C-.”

A.M. Best’s Financial Strength Rating (FSR) scale is slightly different in that it ranges from “A++” down to “D.”

AIG received a rating of “A” from A.M. Best. Did Lincoln win in this category as well? AIG won this category, as Lincoln holds an “A-” rating from A.M. Best.

With Lincoln’s more affordable rates and higher BBB rating, it is safe to say that it won the comparison. Don’t let your comparison stop with AIG vs. Lincoln. Type your ZIP code into our free and helpful tool below.