Term Assurance

AIG’s Term Assurance product 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.

Why choose AIG

AIG gives your client the reassurance they need and covers against death or terminal illness right up to the last day of their policy.

Two doctors walking up stairs
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.

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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Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.


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 If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.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.

Start Range

We understand that everyone’s needs and budgets are different, which is why we offer products that make insurance more accessible.

With lower initial costs, our Start range is a more affordable way clients can start getting the same term assurance policy that YourLife Plan offers.

Discover how

Writing your client's policy into trust

Your clients are able to write their policies into trust, and we offer both discretionary and bare trust options. Making this legal arrangement ensures that money paid out goes straight to the people they want to benefit from it. It also could allow a quicker death claim payment compared to a policy not in trust and could exempt any pay out from IHT liabilities.

We cannot advise on whether putting any particular plan into a trust would be suitable for your client’s particular circumstances and would recommend that they take professional legal advice. For more information, read our guide to explain how trusts work for insurance policies.


Literature and support materials

Term Assurance - Key Facts

For more information on YourLife Plan Term Assurance, visit our Key Facts.

Download Updated 25 Jan 21
Reasons why – individual protection

This guide provides examples for all scenarios where individuals are looking for cover and help with ‘reasons why’ letters.

Download Updated 24 Mar 22
Term Assurance - Cover Details

Read our Cover Details for an explanation of how AIG’s Term Assurance works.

Download Updated 25 Jan 21