Individual Protection from AIG

Protecting yourself and your family

We hope our customers will live long and happy lives. However, should the worst happen, AIG’s range of insurance products can provide protection for you and your family.

AIG’s life and protection insurance products can be purchased through a financial adviser. Or you can buy AIG Instant through financial comparison websites.

Life insurance pays you or your family a sum of money if you die or are diagnosed with a terminal illness and have less than 12 months to live. Also known as term assurance.

Critical illness cover with life insurance pays you or your family a sum of money if you die, suffer a serious illness or are diagnosed with a terminal illness. Additionally, you automatically get comprehensive cover for any children you have now or in the future as standard.

Income protection can provide up to 50% of your gross income to help you pay your bills if you’re too sick to work.​

Family income benefit is a form of life insurance that pays your family a regular monthly income rather than a single lump sum.​

For extra protection, you can ask us to include the following add-on options (for a small extra amount) to make sure your insurance keeps going should you become too ill to work:

  • Total Disability is unique to AIG. It can be added to your critical illness policy to provide an element of income protection (if you’re too ill to work), which could pay up to 50% of your pre-tax monthly income before you became incapacitated*. It’s not as comprehensive as income protection, but it’s not as expensive either.
  • Total Permanent Disability can be added to critical illness when you first take out the cover to provide protection in the event of you becoming unable to work ever again, in which case your policy would pay out the full value of the policy.
  • Waiver of Premium: if you were ill for a long time and unable to work, we could cover the cost of your premiums while you are receiving payments

The type and amount of insurance that you should have in order to provide financial security for your family will depend on your financial situation. It’s up to you to work out how much insurance you would need to cover financial commitments such as your mortgage, household bills and living expenses.

We recommend you speak to a financial adviser to find out what and how much financial support you need, as well as deciding which of our products and features suit you. If you don’t already have an Independent Financial Adviser, you can find one at

*If the disability then becomes permanent, we will pay the remaining amount of the policy value. ​

YourLife Plan

A menu plan which allows you to add multiple benefits under one policy.

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whole of life insurance

A life insurance product that has no ‘end date’

Find out more

Start range

Offers the same great life insurance and critical illness options as YourLife Plan, but at a lower initial cost

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Tuesday 19th Jan, 3pm

Webinar - The development of critical illness cover

Join us to learn about the need for critical illness cover CPD accredited