Would you take out a loan from AIG?
 

They currently have one of the lowest rates on HELOC.

I'm a little reluctant, given that they played a major role in the financial meltdown. But at this time, that is water under the bridge.

Would you use this bank?

They hold the LTC insurance policy for my father. I'm almost chicken to see if it's still in force or if it went down the tubes at some point.

They are however, still gladly accepting the $96 bucks a month for the premiums...

The AIG that's in crisis and the one that wrote your insurance policy are effectively separate companies. AIG on Wall Street is an umbrella company that owns the stock in a lot of smaller insurance subsidiaries. But your policy is held with the subsidiary in your state. They are tightly regulated, they are required to hold conservative assets to back up your policy, and those assets are walled off from the troubles at the parent company

If they were the cheapist why not? You paid to save them, might as well take advantage of it.

Thanks, that's good to know.