Insurance Agency Reviews Reviews

Term Life Insurance Ouote From AIG Direct. – Review – Complaints

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My identify is Christopher Lalor and I’m an unbiased life insurance coverage agent.  I’ve to confess, I don’t like huge insurance coverage name facilities like AIG Direct very a lot.  They’re the Goliaths of the life insurance coverage business.  It’s true.  They promote extra life in a single month than the unbiased agent sells in a whole yr. This doesn’t make them higher than the unbiased agent, it simply means they’re greater and have extra identify recognition.

AIG Direct is how American Basic Life Insurance coverage Firm markets their life insurance coverage merchandise on to the buyer. American Common additionally lets unbiased brokers like myself market & promote the identical life insurance coverage merchandise on the similar actual worth as AIG Direct.

I  should compete on a regular basis towards AIG Direct for the privilege to earn what you are promoting and be your life insurance coverage agent. Regardless of the very fact AIG Direct’s advertising price range is far greater than mine, I’ve had good success competing towards them.  How have I finished this?

My secret weapons to earn your enterprise

  1. I’ve MORE life insurance coverage corporations to cite vs. AIG Direct.  Whenever you name AIG Direct, the one firm they quote is American Common Life.  Why restrict your self to just one choice?  You will get quotes for American Common & all the opposite prime rated corporations proper right here on this web site.
  2. I’ve a extra in depth information (20+ years) of the corporate underwriting tips. (For instance -Do you know that Banner Life, in contrast to most life insurance coverage corporations, will nonetheless offer you their greatest well being class in case you have a household historical past of most cancers?  Guess what?  American Basic Life will NOT provide the greatest well being class with a household historical past of most cancers!)
  3. My strategy just isn’t aggressive.  My focus is in your price range, objectives and discovering the perfect life insurance coverage product that meets your wants.
  4. My service is superb!  I’ll take the time to elucidate the small print of all of the choices which are out there to you and assist you choose the perfect one which meets your objectives and goals.

However how do I persuade you to provide me an opportunity to earn your life insurance coverage enterprise as an alternative of utilizing AIG Direct?  To start out, listed here are some details about AIG Direct

Evaluate the advantageous print when in search of a time period life insurance coverage quote from AIG Direct!

Under is what the AIG Direct quote field appears like on their web site.  If you enter your contact info within the AIG Direct quote field you get…

AIG_Direct_Quote_Box

Just one Choice + You get harassed!

  • No immediate quotes on the AIG Direct web site from all the highest rated life insurance coverage corporations. The one choice is American Basic Life!
  • AIG Direct calls your telephone in underneath three seconds on an automatic dialer!  (Learn their disclaimer in quote field above.)
  • A number of telephone calls /day from their auto dialer for the subsequent a number of weeks.  How annoying!!!
  • Immediate & repetitive comply with up emails.  They clog up you inbox till you unsubscribe.
  • They’ve an aggressive gross sales strategy with a tough near get the appliance finished on the primary name.  You are feeling pressured!

American Common DOES NOT all the time have the most effective worth

Take a look at these pattern quotes

(Quotes legitimate as of four/23/2019 & are topic to vary)

MALE AGE 45 –

$100,00zero 10 Yr Time period Life Insurance coverage Coverage

Firm Annual Premium
Protecting Life $126.00
Banner Life $130.20
North American $139.00
Pacific Life $139.00
Ameritas Life $158.00
John Hancock $159.50
Assurity Life $163.00
Constancy Life $169.00
AIG $173.75

$47.75 / Yr x 10 Years = $477.50 – AIG prices $477.50 MORE than the perfect price!

$250,00zero 10 Yr Time period Life Insurance coverage Coverage

Firm Annual Premium
Protecting Life $196.73
AIG $209.98

$13.25 / Yr x 10 Years = $132.50 – AIG prices $132.50 MORE than the most effective price!

$500,00zero 10 Yr Time period Life Insurance coverage Coverage

Firm Annual Premium
Protecting Life $331.60
John Hancock $336.00
Pacific Life $337.42
American Nationwide $340.00
Principal Life $345.00
North American $350.00
AIG $352.45

$20.85 / Yr x 10 Years = $208.50 – AIG prices $208.50 MORE than the most effective fee!

MALE AGE 55 –

$100,00zero 20 Yr Time period Life Insurance coverage Coverage

Firm Annual Premium
Banner Life $390.81
Protecting Life $390.82
Pacific Life $401.99
North American $402.00
Prudential $419.00
AIG $435.78

$44.97 / Yr x 20 Years = $899.40 – AIG prices $899.40 MORE than one of the best fee!

$250,00zero 20 Yr Time period Life Insurance coverage Coverage

Firm Annual Premium
Banner Life $736.24
Protecting Life $740.00
Principal Life $753.50
Pacific Life $763.49
American Nationwide $765.00
North American $767.50
AIG $817.48

$81.24 / Yr x 20 Years = $1,624.80 – AIG prices $1,624.80 MORE than one of the best fee!

$500,00zero 20 Yr Time period Life Insurance coverage Coverage

Firm Annual Premium
Banner Life $1,368.99
Lincoln Monetary Group $1,404.50
Protecting Life $1,405.00
Pacific Life $1,414.49
American Nationwide $1,415.00
John Hancock $1,429.00
Principal $1,432.00
AIG $1,459.95

$90.96/ Yr x 20 Years = $1,819.20 – AIG prices $1,819.20 MORE than one of the best price!

Each $$$ Counts!  Don’t pay extra in your life insurance coverage with American Common Life.  It can save you $$$ in case you store round.

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***All the time assessment the life insurance coverage firm’s underwriting tips BEFORE you submit an software and take a medical examination for any life insurance coverage firm***

Why You Ought to Purchase Your Life Insurance coverage On This Web site

  • Save $$$ – Get the bottom value attainable in your life insurance coverage.
  • Save time – Prompt on-line life insurance coverage quotes from ALL the highest rated life insurance coverage corporations.
  • No strain gross sales techniques – It’s higher to take your time and get it carried out the appropriate approach!
  • Superior Service– The eye to element your software deserves.  That is very true in case you are authorised at a unique well being class than you utilized for, have well being circumstances, or have sure hobbies or habits.
  • Very quick and handy on-line software course of – The quickest approval potential
  • Licensed since 1992 –  State license quantity offered upon request.  I would be the agent who truly indicators your software.
  • I need to be your life insurance coverage agent!

How’s the strategy and repair at AIG Direct?

Depends upon who you ask.

  • Their service is excellent in response to the critiques on the AIG Direct web site.
  • You see a unique perspective in case you learn a number of the complaints on the Higher Enterprise Bureau web site.

Usually a “name middle” gross sales strategy lacks the particular service and typically results in complaints.  This might hinder you from getting one of the best worth in your life insurance coverage particularly when you’ve got particular well being points or sure way of life habits or hobbies.

Steadily requested questions on AIG Direct

  1. Is AIG Direct authentic?   Sure!  AIG Direct is NOT a rip-off.  AIG Direct has helped hundreds of individuals purchase life insurance coverage on-line from American Basic Life.
  2. Is AIG Direct the identical as Matrix Direct?  Sure.  AIG Direct operates underneath the identify of Matrix Direct Insurance coverage Providers in MA and Matrix Direct, Inc. in some states.
  3. Is AIG Direct the unique vendor of American Basic Life?  The reply is No.  You should purchase American Basic Life from this web site.
  4. How does AIG Direct earn a living?  AIG Direct makes a fee on each insurance coverage coverage they promote.  This fee is paid by the life insurance coverage firm and never the customer.
  5. Do I’ve different choices in addition to American Basic Life when purchasing at AIG Direct?  Not likely.  AIG Direct is a subsidiary of American Basic Life Insurance coverage Firm.

Nonetheless have questions?  Name us at 888-681-4952.

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