Everything we do at AIG is designed to help make protection easy and as accessible as possible.

Our personal protection products are designed to reduce the financial impact caused by death, illness or injury.

We work with people experiencing some of the toughest times they’ll ever go through, so all of our products include value added services as standard – extra support for no extra cost.


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Smart Health

Introducing Smart Health – connecting your clients to the tools that help them manage their health and wellbeing. They’ll get unlimited access to this service at no additional cost – 24 hours a day, 365 days a year. All they need is their policy number to get started.

24/7 GP

Through the service, every AIG Life customer (new and existing) has round-the-clock access to GPs who are on hand to support with medical concerns, prescriptions or further specialist referral. Customers can book an appointment in seconds and talk to a registered UK doctor via phone or video call, with the service also available to your clients’ partners and children up to the age of 21. Customers also have the option for their private prescription medicine to be delivered to their front door. Our Smart Health prescription delivery service provides next day delivery nationwide (if ordered before 1pm) and same day delivery in London (if ordered before 3pm), meaning customers can access the prescription medicine they need without leaving their homes.

As well as 24/7 access to GPs and expert medical advice, Smart Health includes other health and wellbeing services, such as second medical opinions, fitness plans, nutrition advice and mental health support.

The dedicated hub page offers you useful guides and resources to help you help your clients make smarter health choices. The service is a great opportunity to talk about AIG with both your new and existing clients, offering a key differentiator on price and a value added service delivered by one brand.

Smart Health is provided to AIG customers by Teladoc Health. These services are non-contractual, which means they don’t form part of the insurance contract with AIG. If our partnership with Teladoc Health ends, the service can be withdrawn at any time without notice.

Income protection

Many people have never even considered what they’d do if they couldn’t work, but it’s an issue that around one million people in the UK face every year*. Income Protection is one of the most important types of insurance your clients can buy, keeping their current lifestyles and financial futures safe from the impacts of illness or injury. As many people as possible should have access to insurance, so we’re constantly looking at medical advancements and the wide range of customers we can cover, including former cancer sufferers, those living with diabetes and house persons.

We think it’s important to equip you with the tools you need to aid protection conversations with your clients, so there’s a range of resources to use, from our dedicated webpage and customer case studies.

*ABI, 2019

Instant Life Insurance

Make arranging your clients’ life insurance needs easier with Instant Life Insurance from AIG. With fewer qualifying questions than our standard Term Assurance product and no medical evidence required, the application can be completed in less than eight minutes – perfect for filling out during a mortgage meeting or protection review.

The customer self-apply option can be completed anytime and anywhere by your or your client – whether before work or on a lunch break. It’s a great option for hectic and busy lifestyles that gives an immediate decision on completion.

Our Instant webpage includes our product literature, as well as a handy guide and an overview of how we underwrite this type of cover.

Critical illness

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. If they lost their main source of income due to illness or injury, covering the bills might not be so easy. Your clients already insure their home, their car and maybe even the family pet, so providing for loved ones should be equally as important.

At AIG, we’re shaking up the critical illness market.

  • Choose flexibility
    Our critical illness cover gives you choices. You can personalise your recommendation to your client’s budget and needs, so start with core critical illness cover and take it from there. Choose from additional options for our broadest ever cover, including our comprehensive children’s option, designed with the family in mind.
  • Choose value
    Our Smart Health service, valued by customers at £43 per month1, is included at no additional cost for all our critical illness policyholders, their partner and their children up to age 21. It connects them to professionals they need – from on-demand appointments with UK GPs, to complex case consultations with the world’s top specialists.
  • Choose better customer outcomes
    We’ve included umbrella conditions you’ll be familiar with so that they’re simple to explain and easy to understand. We’ve also consolidated over 20 conditions into four impact-based groupings; degenerative neurological disorders, reduced heart function, surgery to the heart, aorta or pulmonary artery, and surgery via the skull. By focusing on specific surgeries or the impact on your clients’ daily lives, not the name of a condition, making for fairer customer outcomes. If the impact is the same, your clients will be covered – whatever the name of the condition.

1 Source: AIG Life commissioned research, ID Consulting, January 2020: 2000 sample size.

Term assurance

Our 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 that mortgages could be paid off, household bills could be covered or living expenses could be sorted when they’re no longer able to support their family. We think it’s important to give your clients the reassurance they need and cover them against death or terminal illness right up to the last day of their policy.

Business protection

You may or may not have thought about writing Business Protection (BP) before and we want to let you know writing this type of cover could be much easier than you think. It can help ensure the long term financial health of a business should it face difficult circumstances.

There are 5.9 million businesses* in the UK, so the chances are you already have clients with BP needs. The opportunities to grow your business, whilst helping to protect others, are substantial. Small companies are the least likely to have this type of cover, but are probably the most likely to need it.

And we know that no two businesses are the same, so their protection needs shouldn’t be either. We offer solutions for all businesses – including limited companies, sole traders, partnerships and limited liability partnerships (LLPs).

Despite slightly different structures, the process is the same as writing individual protection, and you don’t need a deep understanding of tax or accountancy to get started. Find out how we can help open up a whole new market for you by exploring our Business Protection webpages .

*, 2019

Underwriting expertise

We want to make insurance more accessible. And our dedicated team of underwriters, who hold over 300 years of experience between them, are at the heart of this. They continually improve the way we underwrite, helping more people get the insurance they need. Our pre-sales underwriting lines are open Monday to Thursday from 08.30am - 6.00pm and on Friday from 08.30am - 5.30pm.

Discover our dedicated webpages here.

Getting started

If you would like to apply for an agency to write business with AIG, you can do so online via Origo. If you’d like some more information on this, just follow the link below – we’ll give you details on the process and what information we require.

More information

Specialist Solutions

Protection solutions designed for the specialist needs of your clients.

We understand that your clients are looking for the best. As protection specialists, AIG are able to provide the products and service you need to meet their expectations. We’ll work alongside you on large, complex and exceptional cases to provide bespoke cover designed to match the needs of your clients. Our premier service includes senior financial underwriters and a dedicated in-house support team, meaning you can trust AIG to provide product knowledge and customer care that you can rely on.

Read more about the specialist solutions we can offer here.

Your CPD needs

Built with you in mind, AIG Life Support is a simple online learning system with a range of CPD content, including podcasts and webinars. The learning modules bring you insights and advice to help you stay ahead of your profession and are available on desktop, tablet and mobile - learn where and when it suits you.  

Log in for a simple way to access, manage and track your CPD. For every module you complete, we’ll provide you with a certificate as evidence. Tick off your 15 hours learning with modules such as Introduction to Trusts, Objection Handling and Relevant Life.

Access the academy here

Key links

AIG website – link:
Literature – link:
AIG extranet: obtain quotes, track cases and much more – link:

Contact us

Protection Consultants
Tel: 0345 600 6829
Email: [email protected]

Pre-sales Underwriting
Tel: 0345 600 6812

Customer Services team
Tel: 0345 600 6820
Email: [email protected]