Individual Protection

AIG is about providing support to individuals and their families. And our comprehensive personal protection products are designed to reduce the financial impact caused by death, illness or injury. It’s easy for you to tailor the right product to meet your client’s needs as they change over time. Our menu-based proposition includes critical illness cover, life cover, income protection, family income benefit and whole of life.

YourLife Plan

Our YourLife Plan products provide cover for your clients and their families. This range includes term assurance, critical illness cover, family income benefit, income protection and whole of life.

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Instant Life Insurance

AIG’s Instant Life Insurance covers your client and provides financial support to their families if they die or are diagnosed with a terminal illness. We offer this insurance with level, increasing or decreasing term options.

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Welcome to our award-winning critical illness cover

Every client is different, so we’ve designed flexible critical illness cover that gives you choices. Personalise your recommendation to their unique budget and family needs, and give them fairer outcomes and value for money from day one.


Find out more

Term Assurance

Term assurance gives your clients the confidence that their families will be looked after in the event of their death. That’s the knowledge and reassurance that mortgages could be paid off, household bills could be paid or living expenses could be sorted when they’re no longer able to support their family.

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Income Protection

For most people, experiencing a sudden loss of income due to illness or injury could be devastating for them and their family. AIG’s Income Protection covers a wide range of customers including former cancer sufferers, those living with diabetes and house persons.

Family Income Benefit

Family income benefit offers the same great protection as our traditional term assurance product, but instead of a lump-sum payment, your clients will get regular monthly payouts. It’s ideal for providing ongoing support paying for things like day-to-day bills, school fees and private home care visits.

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Key3 Critical Illness Insurance

Key3 Critical Illness Insurance is a simpler version of our standard critical illness product, covering cancer, stroke and heart attack of specified severity. It pays a lump sum if your client suffers from one of these conditions and is available with and without life insurance.

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Whole of Life Insurance

It helps your clients make financial provisions in the event of terminal illness or death. This cover gives them the knowledge and reassurance that any inheritance tax (IHT) liabilities could be paid, a legacy could be left, and funeral costs could be taken care of.

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Care Cover with Whole of Life Insurance

AIG’s Care Cover with Whole of Life Insurance helps your clients make financial provisions for care in later life. We know that people increasingly require care to maintain some quality of life as they get older, which can be expensive - that's why we're here to help.

Additional benefits of AIG

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Smart Health

The insurance also includes access to Smart Health, an additional service provided at no additional cost to you. From on-demand consultations with UK based GPs to second medical opinions, our Smart Health service is a convenient way to connect your clients to tools that help them manage their health and wellbeing. It’s available 24/7, 365 days a year, anywhere in the world and can also be used by their partners and children up to age 21, all at no additional cost.

Smart Health is provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.

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Winston's Wish

We all know that life insurance is there to support your loved ones should the worst happen, but at AIG, we know that there’s more to it than just financial protection. Winston’s Wish – the UK’s leading child bereavement charity – help children get the support they need in the event of losing a parent or sibling.

Winston's Wish is a national charity that is accessible to anyone regardless of whether they have an insurance policy with AIG Life. The service is available even if an AIG Life policy ends.

Smart Health is a non-contractual benefit that could be changed or withdrawn in the future. Winston's Wish is a national charity that is accessible to anyone regardless of their insurance policy. The service is available even if a policy ends.