Working with AIG
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.
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.
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 Best Doctors®, 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 If our partnership with Teladoc Health ends, the service can be withdrawn at any time without notice.
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 Income Protection calculator to our dedicated webpage and customer case studies.*ABI, 2019
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.
We’ve got a couple of options to offer your clients when it comes to this type of cover, all designed to help you find a plan that meets their needs.
AIG’s Critical Illness product covers a broad spectrum of over 100 conditions, with children included as standard on all policies. You can choose the amount we will insure them for on a level, increasing or decreasing basis, with premiums guaranteed for the entire term of the cover. We also understand that some people may have tighter budgets, with mortgages or a young family to consider, but still want the reassurance of having comprehensive cover. Our Start range offers the same product, just with a different way to pay. Premiums start lower and have a fixed 3.5% premium increase each year, with the quote showing the impact this will have in the early years of the policy.
AIG also offer Key3, a simpler type of critical illness insurance that covers cancer, stroke and heart attack - the most commonly claimed on conditions according to our statistics. It can be a more cost-effective solution for your clients, when compared to standard critical illness products, and is available with and without life insurance.
You can learn more about how critical illness has made a difference to the lives of our customers by reading our case studies.
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.
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 and by getting to grips with our Business Protection calculator.*Gov.uk, 2019
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 09.00am - 6.00pm and on Friday from 09.00am - 5.30pm.
Discover our dedicated webpages here.
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.