What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 4,5,6
What Are Employee Health Benefits?
Employer health benefits give eligible staff access to medical care through a group plan or another employer arrangement. When setting a budget or renewing, compare eligibility, provider networks, employee contributions and total cost. 8,9,10,11,12
Key Differences in Employee Health Benefits
Specific supplemental coverage and program advisory
AIG markets Medical Indemnity as supplemental employer-group insurance with benefits tied to covered diagnostic conditions; it says the benefit is not contingent on an accident or hospitalization. Lockton’s People Solutions practice designs and places employee health and benefit programs rather than underwriting them. It describes work across employee experience, total rewards and benefits design, and program management and measurement. Employers should distinguish buying an additional insurance benefit from engaging an adviser to structure and manage a broader health plan. 3 7
Cost planning and market data
AIG lists more than 13,000 covered conditions and describes claims integration through a paperless employer portal. Lockton publishes quarterly health-plan cost data; its Q3 2026 update reports 2025 medical and pharmacy trend at 7.7% year over year, following 8% the prior year. That is market context, not a forecast for an individual employer. A buyer should ask Lockton how its data informs plan design and ask AIG for the group-specific benefit schedule and premium. 3 7
What to Confirm in Employee Health Benefits Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsLockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton reviewsOffering Details
AIG vs Lockton: Employee Health Benefits: documented features by provider
| Criteria | AIG Medical Indemnity Supplemental Health Benefits | Lockton People Solutions Employee Benefits Brokerage |
|---|---|---|
| Role in This Line | AIG markets Medical Indemnity as a supplemental group health insurance product through its Accident & Health Corporate Risk channel. It complements employer health benefits and does not replace major medical coverage by default. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | Lockton's People Solutions practice designs and places employee health and benefit programs; the reviewed page describes brokerage and advisory services, not Lockton acting as the benefits underwriter. 7Company-reported. People Solutions page as read 2026-09-23. The page URL for this line moved from the 'employee-benefits' path cited on Lockton's provider record to 'people-solutions'. |
| Issuing Insurer | Confirm in your quote. | The page does not name the insurers or carriers whose employee-benefit plans Lockton places for clients. 7Not publicly disclosed. People Solutions page checked 2026-09-23. |
| Who It’s For | AIG describes an employer-group supplemental health plan with contributory, voluntary and fully employer-paid options. It is not a comprehensive medical plan catalogue, and the page does not state a complete employer or state eligibility schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | Confirm in your quote. |
| Coverage Features | AIG describes supplemental benefits tied to covered diagnostic conditions and says benefits are not contingent on accident or hospitalization. It lists more than 13,000 covered conditions on the page; policy definitions and exclusions control. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Lockton publishes a quarterly People Solutions Market Update with U.S. health-plan cost data; its Q3 2026 update reported 2025 medical and pharmacy trend at 7.7% year-over-year, following 8% the year before. 7Company-reported. People Solutions page as read 2026-09-23. Cost-trend figures are company-reported market commentary, not a specific client's premium. |
| Limits and Retentions | The public product page does not provide the plan schedule or benefit amounts for a particular employer. Confirm amounts, covered conditions and state availability in the employer’s issued certificate and policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | Confirm in your quote. |
| Risk Services | AIG describes a paperless employer portal, claims integration through partner Ansel and a self-submitted claim process with a benefit determination target within 72 hours after a completed claim. Partner claim integration is not a coverage guarantee. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | Lockton describes three service areas for employee benefits clients: employee experience and engagement, total rewards and benefits design, and program management and measurement, aimed at balancing talent attraction and retention against cost control. 7Company-reported. People Solutions page as read 2026-09-23. |
Full Comparison
More AIG vs Lockton Comparisons
Other Employee Health Benefits Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Medical Indemnity Insurance. AIG; Official AIG Medical Indemnity page: supplemental employer-group product, condition-triggered benefits, plan design and employer administration, claims integration and stated benefit-determination process; page gives policy/state caveat. Accessed 2026-09-30.
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- US People Solutions. Lockton; Introducing Lockton People Solutions; employee experiences, total rewards and benefits, management and measurement; People Solutions Market Update Q3 2026 healthcare cost data. Accessed 2026-09-23.
Employee Health Benefits Guide
- Health Insurance Basics. Centers for Medicare & Medicaid Services; PDF p.1: What is health insurance? What is a health insurance plan?; PDF p.2: Self-Insured Employer Plans vs. Fully-Insured Plans. Accessed 2026-09-16.
- Health Insurance for Businesses. HealthCare.gov / CMS; Group health insurance coverage; Health reimbursement arrangements. Accessed 2026-09-16.
- Your Total Costs for Health Care: Premium, Deductible, and Out-of-Pocket Costs. HealthCare.gov / CMS; Your total costs for health care; Compare estimated total costs for plans. Accessed 2026-09-16.
- How to Offer SHOP Health Insurance to Your Employees. HealthCare.gov / CMS; Making a SHOP health insurance decision; Choosing a stand-alone dental plan; How to enroll through SHOP; Paying premiums & managing coverage; How to renew. Accessed 2026-09-16.
- 3 Things to Know Before You Pick a Health Insurance Plan. HealthCare.gov / CMS; How do I get details on plans?; Plan and network types. Accessed 2026-09-16.
