What Is AIG SmartScore?
AIG SmartScore is a proprietary metric used by the insurance company to assess an individual's health status and potential longevity. It aggregates data from medical records, lifestyle habits, and family history to produce a single numeric value.
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How the Score Relates to Longevity
Higher SmartScore values typically indicate a healthier profile and a longer expected lifespan. Insurance underwriting models use these scores to estimate mortality risk, which directly influences premium calculations. Individuals with higher scores may receive lower premiums or qualify for policies with more favorable terms.
Key Factors Influencing the Score
The score considers:
- Chronic conditions such as diabetes, hypertension, or heart disease.
- Body mass index (BMI) and smoking status.
- Recent lab results, including cholesterol and blood glucose.
- Family medical history of conditions that affect longevity.
Impact on Policy Selection
When applying for life insurance through AIG, applicants receive a preliminary SmartScore. If the score is high, the insurer may offer a standard policy with competitive rates. A lower score may trigger additional underwriting steps, such as a medical exam or the need for supplemental coverage. In some cases, a low score can result in higher premiums or even denial of coverage.
What to Do If Your Score Is Low
1. Review the score details. Request a breakdown of the contributing factors to identify areas for improvement.
2. Address modifiable risks. Quitting smoking, maintaining a healthy weight, and managing chronic conditions can improve the score over time.
3. Consider alternative carriers. Some insurers may have different underwriting criteria that could be more favorable.
How to Check Your Current Score
AIG provides a secure online portal where applicants can view their SmartScore after submitting the initial application. If you have already been approved for a policy, the score may be included in your policy documentation or available through customer service.
Final Thoughts
While AIG SmartScore is a useful tool for aligning premiums with risk, it is one of many factors insurers consider. Applicants should focus on overall health improvements and compare offers from multiple carriers to ensure the best fit for their financial goals.