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instant, life, insurance, AIG


  • Get a free will with your AIG life insurance (worth £199)

  • Instant cover - full online application

  • No sales calls or medicals required

  • Available to UK, Channel Islands or Isle of Man residents aged 17 to 55

Benefit info

AIG Instant Life Insurance can help you leave some money behind for your loved ones in the event of your passing. 

In addition to AIG's own range of benefits, member benefits premium members can get a complimentary will with the purchase of an Instant Life Insurance plan.

How does it work?

When applying for your insurance, you will need to select the amount of money you want and the number of years you would like your protection to last. You may remain covered until you reach the age of 70, and for a maximum sum of £600,000. 

AIG will pay out your chosen amount in the following circumstances:

  • If you pass away before your insurance ends

  • If you are diagnosed with a terminal illness and have less than 12 months to live while you are insured 

Payments will be collected via direct debit on either a monthly or annual basis until the date your insurance ends.

Added value 

As a member benefits premium member, you qualify for a free will - further details on how to get your voucher code will be sent to you after 30 days of your policy starting.

Level Term Assurance plans include access to Best Doctors' second opinion service for you and your immediate family, so you can feel supported both financially and medically.

Through a database including over 53,000 doctors worldwide, Best Doctors aim to support you and your treating doctor in choosing the right treatment for your needs. 

You can read Instant Life Insurance key facts here

You can read Instant Life Insurance Details here

You can read more about the medical advice included with your policy here


What is a Level Term Assurance policy?

A Level Term Assurance policy is where the amount of cover stays the same throughout the length of the policy. Both the sum assured and the term are set at the start of the policy. Level term assurance is often taken out to provide financial security to your family or to help pay off a mortgage and is most suited to interest only mortgages.

Is AIG Instant Life Insurance right for me?

This document gives you the key information you need to help you decide whether Instant Life Insurance is right for you. Please make sure you read it before deciding whether to buy your insurance.

How can I find out more about AIG Instant Life Insurance?

Click here to get a copy of the full Terms & Conditions, known as the Insurance Details.

Who is insured?

You can buy Instant Life Insurance for yourself, and you will be the person insured. If you have a partner, you can buy it as a joint life insurance. It insures both people but AIG Life will only pay once. The insurance will then stop.

What happens if I miss a payment?

If you miss a payment, AIG Life will contact you and you must make any overdue payments within 30 days.  After 30 days, AIG Life will have to stop your insurance if you have not paid them and you won't be insured.

If a claim is made while you still owe them one payment and it has been overdue for less than 30 days, AIG Life will deduct that from the final amount they pay out.

Who can buy AIG Instant Life Insurance?

You can buy AIG Instant Life Insurance if you live in the UK, Channel Islands or Isle of Man; and are aged 17 to 55.

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