AIG Final Expense Life Insurance

AIG final expense coverage is a guaranteed issue whole life insurance policy to cover burial or other funeral expenses.

Text 408-854-1883 for a field underwriter near you.

There are no health questions or any medical underwriting of any kind. Your acceptance is guaranteed.

Since it’s a whole life policy, the way it works is very straightforward.

  • Coverage can never decrease
  • The policy can’t expire at any age
  • Premiums can never increase
  • Non-cancellable except for non-payment

That’s all there is to it. Your policy will literally never change. Only you can change it.

Want to see a consumer brochure? Click here if so.

AIG Guaranteed Issue

Since the policy is a type of life insurance, upon your passing AIG will cut a tax-free check for the payable face amount directly to your beneficiary.

There’s no rules or restrictions regarding how the money is used.

The whole idea is that every funeral home in America will take cash. The policy gives your family the money needed to pay for your end of life expenses. If there’s money left over, it would simply stay with them to enrich their lives as they see fit.

Whether you need insurance to cover a cremation or burial, AIG’s guaranteed issue whole life plan will provide the funds so your family won’t have to.

AIG Final Expense Insurance Product Availability

As is the case with all insurance, this AIG burial insurance policy has limits on the amount of coverage you can buy, and where it’s sold.

  • States Offered: All 50 & DC except NY
  • Issue Ages: 50-85
  • Face Amount Options: $5,000- $25,000
  • 2 Year Waiting Period: Yes
  • Purchase Options: Through independent agencies such as Choice Mutual or from AIG Direct (there’s no difference in price regardless of who you buy from)

A Standard Waiting Period

AIG Guaranteed Issue

Because their policy is guaranteed acceptance, it has a two-year waiting period before the policy will pay out a death benefit.

This is important

All guaranteed issue final expense policies (with any company) will have a minimum two-year waiting period. There’s no such thing as a no health question policy with 6 month or a 1 year waiting period. It’s always at least two years.

So during the first two years, AIG will refund all premiums you’ve ever paid plus 10% interest. After two years, the policy will pay out the full face amount for any reason moving forward.

There is one exception to the waiting period however…

The one exception to the two-year waiting period is accidental death. If you pass away from an accident (car or plane crash, a tree falls on you, etc) the full amount will payout even if the accidental death occurs during the first two years.

AIG Burial Insurance Has Living Benefits

AIG guaranteed life insurance is the only guaranteed issue final expense carrier that offers living benefits with their policy.

AIG Guaranteed Issue

Please Note: Any policy sold in CA will not include either rider, and the terminal illness rider is not available in District of Columbia.

They include, at no extra charge, these two riders on every policy.

  • Terminal Illness Rider: If you are ever diagnosed with a terminal illness and given a life expectancy of 24 months or less, you can access up to 50% of your death benefit early. This rider is only available after the two-year waiting period has passed.
  • Chronic Illness Rider: Allows for a one-time lump sum payment if the insured becomes chronically ill (cannot perform 2 out of 6 activities of daily living).

Again, both of these riders are included with every policy. You do not have to pay extra for them.

There is no other guaranteed issue policy that offers any living benefits. Pretty cool huh 😃.

AIG Guaranteed Issue Whole Life Rates

Below are actual prices for AIG guaranteed acceptance final expense insurance.

The cost of burial insurance depends on a few variables. Please remember your final insurance price will depend upon the following criteria:

  • Your exact age
  • Gender of the insured
  • Face amount selected
  • Resident state of the insured

Oh and don’t forget

You are not limited to these face amounts. AIG will allow you go purchase any whole number between $5k and $25k. For example, you could buy $7,000, $13,000, $22,000 etc.

Female Rates


Male Rates


When It’s A Good Idea To Buy This AIG Policy

Make no mistake, AIG guaranteed issue final expense offers a very competitively priced no health question plan. For folks who truly need or want a no health question policy, it’s often a superior choice relative to the options out there.

But here’s the deal…

There are only certain situations where AIG’s guaranteed policy is your best option. This policy is not right for everyone. AIG isn’t a like Alex Trebek life insurance or AARP burial life insurance where it’s a bad option all around. For some folks, it’s a great deal.

Take a look at the list below. These health situations are generally when someone should buy a guaranteed issue policy which would mean AIG is a great option.

cremation insurance

This list isn’t completely exhaustive, but it does represent a vast majority of the reasons why someone would be best served by a guaranteed acceptance life policy.

Insider Tip: if you don’t have any of these health conditions, you can probably qualify for a plan with underwriting. That will result in a plan without a waiting period and a lower premium. Call us at 1-800-644-2926 and one of our agents will figure it out for you in less than 60 seconds.

Bottom line?

If none of these situations apply to you, you probably shouldn’t buy a guaranteed issue plan. You should instead try for a policy with underwriting. Just call us and we’ll find you one 😎.

However should you have some of these health issues, AIG is likely your best bet, and you should sign up now.

  • Currently confined to a nursing home, hospice care, hospital, or any medical facility
  • Alzheimer’s or dementia or ever taken any drugs to treat memory problems
  • Dialysis
  • Been advised to have an organ transplant
  • Full blown stroke within the last 12 months (TIA mini stokes don’t count)
  • HIV or AIDS
  • Insulin shock or diabetic coma within the last 24 months
  • Heart attack within the last 12 months
  • You’ve had or been treated for cancer in the last 24 months
  • Terminal illness with a life expectancy of 24 months or less
  • Heart or circulatory surgery within the last 12 months
  • ALS
  • Congestive heart failure with diabetes
  • Amputation due to diabetes within the last 24 months

Trained and monitored caring caregivers are important in home care

  • Empowered staff with their customer experience successes
  • Informed teams of areas for improvement as patient experiences unfold
  • Enabled management, with actionable insights, to drive operational changes

Motherhealth trains and monitors its bayarea caregivers to have consistent care matching the home care needs of clients. This is very important for Alzheimer’s and Parkinson’s clients.

card mother

High LDL cholesterol linked to early-onset Alzheimer’s

This shows the outline of a head


Elevated levels of LDL cholesterol has been linked to an increased risk of early-onset Alzheimer’s disease, in those with and without a genetic risk factor. This suggests cholesterol could be an independent risk factor for dementia. Additionally, researchers identified a potential new genetic risk factor for early-onset Alzheimer’s, a rare variant of the APOB gene. READ MORE…
Image shows an alzheimer's brain slice.


A new study reports midlife vascular risk factors are associated with elevated levels of amyloid beta in later life. READ MORE…

Women with larger number of “bridging regions” in the brain and Alzheimer

Alzheimer’s disease affects memory. It is rooted in the gut microbiome according to the latest research.  Bad bacteria, molds, fungus, animal feces, high blood glucose, lipids and parasites can affect the brain which cannot fight these invading microbes.
Most women who have Alzheimer’s have also diabetes and depression.  Stress is also a major factor and lack of sunshine. As stress is higher, the less we can sleep.  Those who stayed home and with less education have less ways to use their memory, the first root cause.

Results of recent analysis showed the architecture of tau networks is different in men and women, with women having a larger number of “bridging regions” that connect various communities in the brain. This difference may allow tau to spread more easily between regions, boosting the speed at which it accumulates and putting women at greater risk for developing Alzheimer’s disease. Source:

Can Alzheimer’s be prevented?

Connie B. Dellobuono
Connie B. Dellobuono, Health author and blogger at and home health care organization mgt at Motherhealth LLC, bay area caregivers 408-854-1883

Alzheimer can be slowed down with nurture (massage,love,loving environment), whole foods (probiotic, sulfur rich foods), social interaction, sufficient sleep and exercise.

  • Gut microbes can be balanced with whole foods, less stress, liver detox and probiotic. Avoid sugar and amino acid alanine from red meat.
  • Brain cells need adequate sleep, exercise, learning new skills and sunshine to thrive and grow.
  • Sulfur rich foods are cleansing and so is adequate night time sleep.
  • Depression is one of the early signs of Alzheimer and social interaction can help. Limit your stress to combat its progression, Surround yourself with a loving support system and an environment close to nature.

Alzheimer’s gut bacteria, virus and iron dysregulation

Researchers Identify Virus and Two Types of Bacteria as Major Causes of Alzheimer’s

A worldwide team of senior scientists and clinicians have come together to produce an editorial which indicates that certain microbes – a specific virus and two specific types of bacteria – are major causes of Alzheimer’s Disease. Their paper, which has been published online in the highly regarded peer-reviewed journal, Journal of Alzheimer’s Disease, stresses the urgent need for further research – and more importantly, for clinical trials of anti-microbial and related agents to treat the disease.

This major call for action is based on substantial published evidence into Alzheimer’s. The team’s landmark editorial summarises the abundant data implicating these microbes, but until now this work has been largely ignored or dismissed as controversial – despite the absence of evidence to the contrary. Therefore, proposals for the funding of clinical trials have been refused, despite the fact that over 400 unsuccessful clinical trials for Alzheimer’s based on other concepts were carried out over a recent 10-year period.

Opposition to the microbial concepts resembles the fierce resistance to studies some years ago which showed that viruses cause certain types of cancer, and that a bacterium causes stomach ulcers. Those concepts were ultimately proved valid, leading to successful clinical trials and the subsequent development of appropriate treatments.

Professor Douglas Kell of The University of Manchester’s School of Chemistry and Manchester Institute of Biotechnology is one of the editorial’s authors. He says that supposedly sterile red blood cells were seen to contain dormant microbes, which also has implications for blood transfusions.

“We are saying there is incontrovertible evidence that Alzheimer’s Disease has a dormant microbial component, and that this can be woken up by iron dysregulation. Removing this iron will slow down or prevent cognitive degeneration – we can’t keep ignoring all of the evidence,” Professor Douglas Kell said.

Image shows an old lady looking out of a window.

Professor Resia Pretorius of the University of Pretoria, who worked with Douglas Kell on the editorial, said “The microbial presence in blood may also play a fundamental role as causative agent of systemic inflammation, which is a characteristic of Alzheimer’s disease – particularly, the bacterial cell wall component and endotoxin, lipopolysaccharide. Furthermore, there is ample evidence that this can cause neuroinflammation and amyloid-β plaque formation.”

The findings of this editorial could also have implications for the future treatment of Parkinson’s Disease, and other progressive neurological conditions.


Source: University of Manchester
Image Credit: The image is adapted from the University of Manchester press release.
Original Research: Full open access editorial for “Microbes and Alzheimer’s Disease” by Itzhaki, Ruth F.; Lathe, Richard; Balin, Brian J.; Ball, Melvyn J.; Bearer, Elaine L.; Bullido, Maria J.; Carter, Chris; Clerici, Mario; Cosby, S. Louise; Field, Hugh; Fulop, Tamas; Grassi, Claudio; Griffin, W. Sue T.; Haas, Jürgen; Hudson, Alan P.; Kamer, Angela R.; Kell, Douglas B.; Licastro, Federico; Letenneur, Luc; Lövheim, Hugo; Mancuso, Roberta; Miklossy, Judith; Lagunas, Carola Otth; Palamara, Anna Teresa; Perry, George; Preston, Christopher; Pretorius, Etheresia; Strandberg, Timo; Tabet, Naji; Taylor-Robinson, Simon D.; and Whittum-Hudson, Judith A. in Journal of Alzheimer’s Disease. Published online March 8 2016 doi:10.3233/JAD-160152


Microbes and Alzheimer’s Disease

We are researchers and clinicians working on Alzheimer’s disease (AD) or related topics, and we write to express our concern that one particular aspect of the disease has been neglected, even though treatment based on it might slow or arrest AD progression. We refer to the many studies, mainly on humans, implicating specific microbes in the elderly brain, notably herpes simplex virus type 1 (HSV1), Chlamydia pneumoniae, and several types of spirochaete, in the etiology of AD. Fungal infection of AD brain [5, 6] has also been described, as well as abnormal microbiota in AD patient blood. The first observations of HSV1 in AD brain were reported almost three decades ago]. The ever-increasing number of these studies (now about 100 on HSV1 alone) warrants re-evaluation of the infection and AD concept.

AD is associated with neuronal loss and progressive synaptic dysfunction, accompanied by the deposition of amyloid-β (Aβ) peptide, a cleavage product of the amyloid-β protein precursor (AβPP), and abnormal forms of tau protein, markers that have been used as diagnostic criteria for the disease. These constitute the hallmarks of AD, but whether they are causes of AD or consequences is unknown. We suggest that these are indicators of an infectious etiology. In the case of AD, it is often not realized that microbes can cause chronic as well as acute diseases; that some microbes can remain latent in the body with the potential for reactivation, the effects of which might occur years after initial infection; and that people can be infected but not necessarily affected, such that ‘controls’, even if infected, are asymptomatic

“Microbes and Alzheimer’s Disease” by Itzhaki, Ruth F.; Lathe, Richard; Balin, Brian J.; Ball, Melvyn J.; Bearer, Elaine L.; Bullido, Maria J.; Carter, Chris; Clerici, Mario; Cosby, S. Louise; Field, Hugh; Fulop, Tamas; Grassi, Claudio; Griffin, W. Sue T.; Haas, Jürgen; Hudson, Alan P.; Kamer, Angela R.; Kell, Douglas B.; Licastro, Federico; Letenneur, Luc; Lövheim, Hugo; Mancuso, Roberta; Miklossy, Judith; Lagunas, Carola Otth; Palamara, Anna Teresa; Perry, George; Preston, Christopher; Pretorius, Etheresia; Strandberg, Timo; Tabet, Naji; Taylor-Robinson, Simon D.; and Whittum-Hudson, Judith A. in Journal of Alzheimer’s Disease. Published online March 8 2016 doi:10.3233/JAD-160152