What You Need to Know Before Buying
Company Background and Reliability
- Founded: 1919
- Years in Business: 107 years (as of 2026)
- Headquarters: New York, New York
- Company Overview: American International Group, Inc. (AIG) is a global insurance giant offering a wide range of products, including annuities, life insurance, and property and casualty insurance. Through its life and retirement division, AIG provides fixed annuities, fixed indexed annuities, and income solutions.
- Why It Matters: With over a century of history, AIG is one of the largest and most established financial services firms worldwide. While it faced challenges during the 2008 financial crisis, its restructured operations today remain stable and competitive in the annuity market.
Financial Strength and Ratings (2026)
- A.M. Best: A (Excellent)
- S&P: A+
- Moody’s: A2
- Fitch: A+
- KBRA: Not Rated
- Comdex Score: 82
- Why It Matters: AIG maintains strong ratings that signal a solid ability to meet long-term obligations. While not at the very top of the industry, its scores place it in the higher tier of annuity providers.
Fixed Annuity Interest Rates
While AIG is a leader in financial strength, yields vary significantly across the industry. We recommend you compare today’s best fixed annuity rates from 50+ A-rated carriers to ensure you are receiving the highest possible growth for November 2026
Fixed Income Payout Rates
These are the highest fixed income payout rates for November 2026 among all annuity companies. Since lifetime income payouts vary significantly from one company to another, you’ll want to compare AIG’s payout options with other insurers to make sure you’re getting the highest guaranteed income for life. The same deposit amount can generate very different results depending on the company chosen.
How to Compare AIG with Other Companies
- Global Scale: AIG’s size provides stability, but global operations can also bring complexity.
- Product Variety: AIG offers both fixed and indexed annuity solutions, allowing you to compare crediting methods and features.
- Liquidity Options: Check each contract’s surrender schedules and withdrawal rules.
- Independent Review: Compare AIG with competitors like Allianz and Nationwide to ensure the strongest combination of safety and payout.
Why Use an Independent Annuity Broker
- AIG will only show you its own products if you go direct.
- An independent broker can compare AIG side by side with dozens of other insurers.
- This ensures you maximize growth and income potential while balancing safety.
- There’s no cost to you—the insurance companies, not clients, pay commissions.
Application Process (Step-by-Step)
- Get a Quote: Compare AIG’s annuity rates with competitors.
- Select a Product: Choose between fixed growth or lifetime income.
- Submit an Application: Provide financial and beneficiary information.
- Funding Options: Use non-qualified funds, IRAs, Roth IRAs, or 401(k) rollovers.
- Contract Issuance: Once funded, your annuity starts accumulating or paying guaranteed income.
Other Insurance to Consider
- Life Insurance: Protects loved ones and can restore lost funds if you annuitize.
- Long-Term Care Insurance: Covers nursing home or in-home care costs.
- Disability Insurance: Secures income for working individuals before retirement.
Final Advice
AIG is one of the largest insurers in the world and offers strong annuity solutions. While its ratings are not the very highest, they are solidly investment-grade, making AIG a dependable option. Always compare AIG’s annuities with other top-rated carriers to find the best mix of growth, payout, and safety.
Why Choose The Annuity Expert
- Our service is free of charge, with no obligation.
- Access the largest selection of annuity products in the United States.
- Advisors guide you through every step for a stress-free experience.
Contact The Annuity Expert today for free quotes. We’ll help you find the highest fixed annuity interest rates to grow your savings or the strongest guaranteed income payouts for retirement.
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