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. Our Instant Life Insurance is available with a simple online application that takes fewer than eight minutes. There’s no manual or medical underwriting needed, therefore your clients can get an instant decision.

Why recommend AIG's Instant Life Insurance

We recognise that your clients require simplicity and instant protection when choosing life insurance, and this option makes getting cover quick and hassle-free.

  • Straightforward sign-up process: With our easy-to-use online application portal, clients can complete their own applications in their own time. All you need to do is send them a link by email and they can fill this in by themselves.
  • Simplified underwriting: We understand that clients want instant protection and that they can get frustrated with lengthy underwriting processes. With our quick approach, it’s more likely that your clients will complete an application and take out a policy.
  • Quick decisions: All instant applicants receive an immediate decision on whether we can insure them.
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Smart Health

From on-demand consultations with UK based GPs to second medical opinions from Best Doctors®, 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Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.


Additional benefits of AIG

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Smart Health

From on-demand consultations with UK based GPs, to Best Doctors - the expert case management service with the world’s top medical specialists, our Smart Health service is a convenient way to connect your customers to tools that help them to manage their health and wellbeing from anywhere in the world, 24/7.

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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.

Our Funeral Pledge

We’ll pay up to £10,000 of your client’s valid claim in advance towards the cost of a funeral. This is financial assistance when their family need it most.

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Our Claims Support Fund

We offer a discretionary fund of up to £300 towards services such as travel costs and wigs after cancer treatment - all to help your client and their family cope with a serious illness.

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.

Winston's Wish is a national charity that is accessible to anyone regardless of your insurance policy. The service is available even if your policy ends.

Literature and support materials

Instant Life Insurance - Sales Aid

View our sales aid to find out more about AIG Instant Life Insurance.

Download Updated 12 Sep 21
Instant Life Insurance Details

This document explains how Instant Life Insurance works.

Download Updated 12 Sep 21
Instant Life Insurance - Key Facts

This document describes what is covered by our Instant Life Insurance, who can buy it and how it works

Download Updated 12 Sep 21
Instant Life Insurance - Underwriting guide

This guide takes you through the underwriting rules for our Instant Life insurance. Underwriting decisions may differ due to the coronavirus pandemic.

Download Updated 20 Jun 21
Instant - data capture form

This is a data capture form for Instant Life Insurance.

Download Updated 24 Apr 22