AIG - St James's Place
Welcome to your dedicated AIG hub for St. James’s Place Partners. Discover everything you’ll need to know when working with us - from downloading our latest literature to exploring our product features and benefits.
About us
We offer more than just insurance and financial support. We work alongside you when clients are experiencing some of the toughest times they’ll ever go through. Together, we help when they need it most.
AIG Life Limited is the UK life insurance arm of AIG, a leading international insurance organisation serving customers in more than 100 countries and jurisdictions worldwide.
- Fast and simple applications: Everything we do is to make protection easier. Our straightforward online system lets you quote, apply, track applications and register trusts - all hassle and signature-free.
- Help is here when you need it: Your Protection Specialists are always happy to talk. We also have dedicated underwriting and presales helplines. Call us if you ever have a question.
- We're flexible and fair: Different people have different needs, and they’re going to need different types of protection - we get that. With a choice of plans and optional add-ons, our insurance can be perfectly tailored. We also still accept claims until the very last day of the policy.
Products for Individuals
YourLife Plan
YourLife Plan products provide cover for your clients and their families. The range includes term assurance, critical illness cover, family income benefit and income protection.
Term Assurance
This 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.
Critical illness cover
Paying for childcare, adapting a home to new ways of living, settling a mortgage – all things for your clients to consider when planning their financial future. Critical illness cover is protection for their family in the event of them falling seriously ill or dying.
Income Protection
Income protection insurance offers financial support against loss of earnings due to illness or injury. It is the most important insurance your client should have - every year, many workers are unable to work due to prolonged sickness or injury, yet often people have never even considered what they’d do if they couldn’t work because of long-term illness or injury.
Family Income Benefit
Family income benefit insurance is a type of term life insurance that will give regular financial support to the family of a policyholder if they die or are diagnosed with a terminal illness. With monthly payouts, it eases the burden of bills, making budgeting more manageable for those left behind.
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.
Key3 Critical Illness Insurance
Key3 Critical Illness Insurance is a simpler version of our standard critical illness product, covering cancer, stroke and heart attack. It pays a tax-free lump sum if your client suffers from one of these conditions, and offers your clients a cost-effective solution when compared to standard critical illness products.
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. It pays out 75% of the sum assured to allow your clients to access the care they need if they meet the criteria or the full sum assured if they die or are diagnosed with a terminal illness without needing care.
Whole of Life Insurance
Whole of life insurance helps your clients make financial provisions in the event of a terminal illness or death. This flexible cover gives them the knowledge and reassurance that any inheritance tax (IHT) liabilities could be paid, a legacy for their family could be left, and funeral costs could be taken care of.
Products for businesses
Business Protection
Business protection insurance protects a company financially when its owners or employees are affected by illness or death. It can help support owners in making sure their business survives in challenging times. Your clients already understand the need to protect their business premises and equipment. However, many forget about their most valuable asset – their staff.
Relevant Life Insurance
Relevant life insurance allows business owners to provide their employees with death-in-service benefits outside a registered group life scheme. It’s designed to pay out a lump sum on death or diagnosis of a terminal illness. Straightforward and cost-effective, it can also be tax-efficient for the business and the employee.
Key Person Protection
Key person insurance protects businesses against the loss of profits if an employee becomes terminally or critically ill, or dies. The money can be used to replace an important employee or insure against the potential loss in profits – it could help keep the business trading.
Business Loan Protection
Business loan protection insurance will provide funds to repay a loan, commercial mortgage, or a director’s loan if one of the business owners dies or suffers a critical illness. Your client can protect the full loan or mortgage amount with life cover, or life and critical illness cover. When they make a claim, the sum assured is either paid to the business or directly to the lender if the policy has been assigned.
Shareholder Protection
Shareholder protection allows business owners to buy shares back from any shareholder who is diagnosed with a critical or terminal illness, or dies. This policy helps surviving owners stay in control and minimises disruption to the business. Each individual shareholder can take out separate cover for themselves - it insures them for a sum assured equivalent to the value of their company shares.
Partnership Protection
Partnership protection guards your clients’ businesses against losing control of the partnership in the event of a partner being diagnosed with a critical illness, terminal illness or if they die. A life or critical illness policy will provide funds to buy the interest in the partnership from the affected partner or their estate.
Additional benefits of AIG
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.
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
From on-demand consultations with UK based GPs to second medical, 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.
Literature and support materials
To find our full range of product literature, support materials and forms, please head to our dedicated hub. Selected information can also be found on individual product pages.