Get Life Insurance with AIG

Helping ease the financial burden for you and your loved ones if the worst happens.

What is Life Insurance?

For a regular payment, your loved ones will get a cash pay-out if you die
Helps to pay off your mortgage or leave a legacy for your family

Why Life Insurance?

Helps support the people who depend on you if you were no longer around
It's easy to set up and needn't be expensive

How to get Life Insurance

You decide the best life insurance for you
You can choose from a range of options

Get a quote

How much insurance you might need

We'll help you work out how much insurance you need

This calculator can help you work out how much money you might need to leave your loved ones if you were no longer around. You might want to think about how much you have left to repay on your mortgage, any financial commitments you have or how much money your family would need to get by if you died.

These are the one off costs that you'd like to be paid off if you were no longer around.

Your mortgage How much you have left to pay on your mortgage Leave blank if not applicable

Outstanding debts The total amount of any outstanding debts, such as loans, credit cards or store cards Leave blank if not applicable

Funeral costs The amount you'd like to leave towards your funeral costs Leave blank if not applicable

If you want to leave some money to protect your income if you were no longer around, think about how long you'd like your family's living costs to be paid.

Monthly income Your monthly income after tax Leave blank if not applicable

How long would you like your income to be paid? Years Months The total income may not exceed £100,000,000

If you have any existing savings or insurance, your loved ones could rely on this if you died.

Savings and investments The total amount of any savings and investments Leave blank if not applicable

Life insurance The amount of any existing life insurance or death in service insurance Leave blank if not applicable

The amount shown in the calculation is based on the information you've provided and is only a guide. It isn't a recommendation or advice and won't tell you how long you need insurance for or what type of insurance you need. It doesn't take into account your personal circumstances or the effects of inflation, which could reduce the spending power of any money you're paid in the future. It's your responsibility to ensure that any insurance you take out meets your needs.

Your calculation for Life Insurance

Below is a summary of the amount of insurance you might need based on the information you've given. Each figure is a total of the answers you’ve given. You can remove anything you no longer want to include by unchecking the box next to the amount.

Major life costs
- Your mortgage
- Outstanding debts
- Funeral costs
Your income
- Income
Savings and insurance
- Savings
- Insurance

Your recommended amount of insurance

Which Life Insurance Product can I get?

Life Insurance

Pays out if you die or are diagnosed as terminally ill, whatever the reason
Insure yourself (single life insurance), or both you and your partner (joint life insurance)

Decide how long your insurance lasts (between 3 - 70 years)
Get access to a 24/7 virtual GP with Smart Health
Available to people aged
17 - 86

Life Insurance

We can’t predict the future, but we can put plans in place for the unexpected. Have you thought what would happen if you were no longer around - could your family cope financially? Would they be able to pay the mortgage, or keep up with other payments that don’t stop?

Look after your loved ones if the worst happened to you

We'll pay out a sum of money if, while you're insured, you die or you're diagnosed as terminally ill. You choose how much insurance you need, and how long you'd like it to last for. You can also choose to insure just yourself or both you and your partner.

If you have children, a partner or loved ones who rely on you financially, Life Insurance can help ease the financial pressure they could face if you were no longer around.

The money could be used to help pay off your mortgage, look after your family's lifestyle or leave a financial safety net.

You can apply for this insurance if you live in the UK. There is no cash in value with this insurance. If you stop making payments to us, your insurance will end.

Please make sure you have read the Key Facts before buying this insurance. It will tell you everything you need to know to help you decide if this insurance is right for you.

Important documents

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Life Insurance + Cancer, Heart Attack & Stroke

This Critical 3 with Life Insurance product includes all our benefits of Life Insurance
We will pay out if you're diagnosed with Cancer, Heart Attack or Stroke - even if you recover

The insurance will pay out once
Decide how long your insurance lasts (between 3 - 50 years)
Available to people aged
17 - 75

Life Insurance + Cancer, Heart Attack & Stroke

Most of us know someone who has suffered with cancer, or had a heart attack or stroke. They're life-changing illnesses, and we want to be there for you and your family if the unexpected happens to you.

Peace of mind against our biggest fears

We’ll pay out a sum of money if, while you’re insured, you suffer from cancer, a heart attack or stroke, or if you die or you’re diagnosed as terminally ill. Our insurance will pay out once.

You choose how much insurance you need, and how long you'd like it to last for. You can also choose to insure just yourself or both you and your partner. It can help you and your family face your illness without the added pressure of financial worries, so you can concentrate on getting better.

You could use the money to help pay off your mortgage, or help to pay for unforeseen costs due to your illness such as rehabilitation treatments or alterations to your home. Whatever you need.

You can apply for this insurance if you live in the UK. There is no cash in value with this insurance. If you stop making payments to us, your insurance will end.

Please make sure you have read the Key Facts before buying this insurance. It will tell you everything you need to know to help you decide if this insurance is right for you.

Important documents

Return to Products

Call us at 0330 390 0520

Call us between 8am - 8pm Monday to Friday (excluding bank holidays) and 9am - 5pm Saturday.
(calls are charged at standard rates from a BT landline but may cost more via mobiles and other networks).

SmartHealth

from AIG

Making sure your money goes to the right people

All AIG customers get free, unlimited access to Smart Health

Our Smart Health app and website gives you and your family easy access to a 24/7 virtual GP, as well as a range of other health and wellbeing experts.

You can get:

24/7 unlimited access to a virtual GP – book a 30 minute appointment whenever and wherever you are in the world
Expert case management for second medical opinions to get advice and recommendations from world-leading medical specialists
Personalised mental health support, an online health check, specialist nutrition consultation and a tailored fitness programme.

You’ll get full details of how to download the app and access the website when you take out our insurance.

Smart Health is a non-contractual benefit which can be withdrawn at any time without notice. Smart Health is provided by Teladoc Health.

One option is to put your policy into trust

What is a trust?

A trust is a legal arrangement that allows you to transfer ownership of your life insurance to another person or company, so you can help your loved ones avoid paying inheritance tax or deal with lengthy probate.

To ensure you get the right solution for your individual circumstances, we recommend that you speak to a financial adviser about trusts or visit the Government's website for more information: www.gov.uk/trusts-taxes.

3 Reasons Why

1. Claims are paid out quickly

A trust means that the proceeds would not normally count towards the value of your estate, so we won't need to wait for probate - which can take months. This means we should be able to pay the money without any delay.

2. Money is paid to the people you want it to

Setting up a trust allows you to choose who you want the money to be paid to (the beneficiaries) and who you want to distribute the money on your behalf - known as the trustees.

3. Helps avoid inheritance tax

You can help make sure that your beneficiaries receive the money you intend to leave them. As the money is not normally part of your estate, there would be no inheritance tax to pay.

Please note that whilst we can provide financial information about your products and talk you through the application process, we can't provide you with advice.

If you wish to seek a personal recommendation based on your individual circumstances, visit biba.org.uk/find-insurance to find a financial adviser in your area.

Need help?

0330 390 0520

Get Life Insurance with AIG

What is Life Insurance?

Why Life Insurance?

How to get Life Insurance

How much insurance you might need

Online Calculator

We'll help you work out how much insurance you need

Major life costs

Your income

Savings and insurance

Your calculation for Life Insurance

Which Life Insurance Product can I get?

Life Insurance

Look after your loved ones if the worst happened to you

Important documents

Life Insurance + Cancer, Heart Attack & Stroke

Peace of mind against our biggest fears

Important documents

SmartHealth

Making sure your money goes to the right people

All AIG customers get free, unlimited access to Smart Health

You can get:

One option is to put your policy into trust

What is a trust?

3 Reasons Why

1. Claims are paid out quickly

2. Money is paid to the people you want it to

3. Helps avoid inheritance tax