Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
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At a glance
4.2
Rating: 4.2 stars out of 5
Bankrate Score
Score breakdown
Life
Rating: 4 stars out of 5
4.0
Cost & ratings
Rating: 2.9 stars out of 5
2.9
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders seeking a range of life insurance options, especially with the flexibility of 18 different term life insurance lengths, might consider Corebridge Financial (previously AIG Life & Retirement) as their company of choice. However, those who prioritize face-to-face interactions with local agents might want to explore other providers.
Offers a wide range of life insurance options, including term, indexed universal, whole and guaranteed issue policies
Term life policies available in 18 different durations, from 10 to 35 years
Simplified issue whole life and guaranteed issue policies available — no medical exam required
Backed by American General Life Insurance Company (AGL), which holds an A (Excellent) AM Best rating for financial strength
Scored 575 out of 1,000 in the 2024 J.D. Power U.S. Individual Life Insurance Study — the lowest among ranked insurers
Higher-than-average number of complaints with the NAIC for individual life insurance
Corebridge Financial life insurance
Corebridge Financial holds a 4.0 out of 5.0 Bankrate Score — thanks in large part to its broad mix of policy options and strong financial footing. Whether you're just beginning to build your family or you're enjoying your retirement years, there's a chance you might find a policy that aligns with your specific needs. Corebridge Financial's diverse selection caters to different life stages and priorities, but it's important to evaluate how each option fits into your personal financial plan.
While the majority of states under Corebridge Financial see American General Life Insurance Company (AGL) as the underwriting company, The United States Life Insurance Company in the City of New York underwrites New York policies.
Before you start shopping for coverage, you may find it helpful to use a life insurance calculator to determine how much coverage you need and what offerings within Corebridge Financial’s array of insurance products fit your budget.
Coverage types and key considerations
Corebridge Financial's life insurance offerings reveal a diverse range of coverage types tailored to various needs. This section will illuminate these options guiding you toward an informed choice for your unique circumstances.
Term: Corebridge Financial's term life policies come in 18 different term lengths, typically appealing to those needing coverage for a specific time, like 10 to 35 years. This could be a good match for a young family managing a mortgage. These policies start with death benefits at $100,000 and can go beyond $1,000,000. Plus, there's an option to transition to permanent insurance if your needs change.
Permanent: While more costly than term life, Corebridge Financial's permanent options, including whole and universal life, offer lifetime coverage and the chance to accumulate cash value.
Whole: The SimpliNow Legacy plan is a simplified issue whole life policy — no medical exam, just straightforward coverage between $5,000 and $35,000. It’s built for speed and ease, especially for people who want to cover end-of-life expenses without jumping through underwriting hoops.
Indexed Universal: Corebridge also offers indexed universal life (IUL) insurance for those looking to build cash value while maintaining permanent coverage. You’ll have two options here: Max Accumulator+ III for more growth potential, and Value+ Protector III for more predictable protection. These policies tie into market performance but with limits in place to reduce downside risk.
Guaranteed: For those between 50 and 80 who may not qualify for traditional policies, Corebridge’s Guaranteed Issue Whole Life could be a solid fit. There are no medical questions, no exams — just guaranteed acceptance with coverage from $5,000 to $25,000. Policies also come with built-in living benefits for chronic and terminal illness, and premiums stay the same for life. This kind of coverage is generally helpful for covering funeral costs or other final expenses without burdening your loved ones.
Pros and cons of Corebridge Financial life insurance
Corebridge Financial offers a solid variety of life insurance products, but it may not check every box for every shopper. While the company stands out for flexibility and no-exam policy options, recent customer satisfaction ratings show there’s room for improvement.
Pros
Several product types available
18 different term life insurance policy lengths
Strong social responsibility
Cons
Placed last out of 21 companies in the 2024 J.D. Power U.S. Individual Life Insurance Study
No local agents
Higher-than-average NAIC Complaint Index for individual life
Corebridge Financial life insurance riders
Corebridge Financial offers several life insurance riders, which are add-on coverage options that may help you broaden your policy’s scope. Riders will generally make your policy more expensive, so those looking for the cheapest life insurance may choose to pass on these options, but the extra coverage might be worth it. Corebridge life insurance riders vary depending on the policy type you choose, but a few options include:
Accelerated death benefit: Available on Corebridge Financial’s term and some simplified issue whole life policies, this rider may increase your death benefit if your death is caused by eligible accidents.
Chronic illness:Available on both universal life options and included automatically in the guaranteed whole life option, this rider gives you access to a portion of your death benefit while you are still living if you are diagnosed with a qualifying chronic illness.
Terminal illness: Both of Corebridge Financial’s whole life options and its term life insurance offer a terminal illness rider. The rider is included automatically on guaranteed whole life policies and is available on simplified issue whole life policies if you select the level death benefit option. This endorsement allows you to access some of your death benefit early if you’ve been diagnosed with a terminal illness.
Waiver of premium: Only available on term life insurance policies, a waiver of premium rider would allow a policyholder who experiences total disability to maintain coverage without paying premiums after a waiting period of six months.
Corebridge Financial customer satisfaction
When researching life insurance providers, third-party ratings can give you a clearer picture of both customer experience and financial reliability. Corebridge Financial, formerly AIG’s life and retirement division, now operates independently but still underwrites most policies through American General Life Insurance Company. In the 2024 J.D. Power U.S. Individual Life Insurance Study, Corebridge ranked last among major life insurers with a score of 575 out of 1,000, suggesting below-average customer satisfaction. However, the company’s financial backing remains solid, with its underwriter holding an A (Excellent) rating from AM Best — a signal of strong claims-paying ability, even if service experience may vary.
The National Association of Insurance Commissioners (NAIC) offers valuable insights for customer satisfaction. The NAIC provides Complaint Index scores for insurance providers, allowing consumers to gauge the relative number of complaints a company receives. An NAIC score of 1.00 is considered a baseline, indicating a standard expectation of complaints for a company of its size. Scores below 1.00 suggest fewer than expected complaints, while scores above indicate a higher number. Furthermore, the NAIC differentiates these scores based on product type to give a clearer picture of company performance in specific sectors.
Here’s how Corebridge’s NAIC scores compared over the past three years. Keep in mind these scores reflect Corebridge’s complaint index, but are pulled from American General Life Insurance Company which is the primary underwriter for the bulk of Corebridge’s customers.
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 2.52 to 2.9.
End of interactive chart.
Compare life insurance providers quickly and easily
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22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Corebridge Financial sells numerous life insurance products, but no company is one-size-fits-all. If you’re shopping around and comparing life insurance quotes, you might want to check out these life insurance companies, too.
Corebridge Financial vs. Prudential
Both Corebridge and Prudential offer a wide range of life insurance products, but their strengths differ. Prudential stands out with extensive universal life options and more than a dozen riders to tailor coverage, but it also has a below-average customer satisfaction score in the 2024 J.D. Power study. Corebridge, on the other hand, includes both term and guaranteed issue policies with simplified underwriting, making it potentially more accessible for those with health concerns. However, Corebridge also placed last in the same J.D. Power study, suggesting both may lag in customer experience.
Fidelity Life may appeal to shoppers looking for simplified or no-medical-exam policies, especially for older applicants. It offers a solid range of term and whole life policies under the RAPIDecision umbrella, and its emphasis on quick online access is a plus. But while Fidelity Life boasts flexibility, it isn’t available in all states and has drawn some service complaints. Corebridge has broader product depth, including indexed universal life and guaranteed issue whole life, but may also come with higher complaint volumes based on NAIC data.
New York Life offers strong financial stability, high satisfaction scores and a broad selection of policy types, including whole life, term, universal and variable universal life. Unlike Corebridge, New York Life typically always requires medical underwriting, which may not work for every applicant but can lead to more competitive rates. With a higher J.D. Power score and long-standing reputation, New York Life may be a better fit for shoppers seeking strong service and agent support. Corebridge, by contrast, may suit those looking for simplified issue options or more flexible term life options.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
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34.5K
ZIP codes examined
120
carriers reviewed
Is Corebridge Financial a good insurance company?
Drawing upon our editorial team's extensive insurance expertise, we examined Corebridge Financial life insurance from a consumer perspective. Under its rebranding, the company impresses with its wide array of policies and riders. Notably, the choice of 18 different term lengths stands out as a distinctive feature in the insurance realm.
However, as a relatively new entity, Corebridge Financial has yet to secure standalone third-party ratings. It's also worth noting that Corebridge’s customer satisfaction scores trail behind industry averages. Therefore, while considering an insurance policy with them, potential policyholders might find it beneficial to explore multiple options and compare quotes to ascertain if Corebridge Financial aligns with their needs.
What are real-life customers saying about Corebridge Financial?
To get a better sense of how Corebridge Financial performs beyond the fine print, we looked at what real customers are saying on Trustpilot. These firsthand reviews shed light on the actual experiences policyholders have had — from standout service during claims to challenges with delays and follow-up. While no insurer is perfect, these voices help paint a fuller picture of what it’s like to work with Corebridge day to day.
Trustpilot user 1*
Jan 1, 2023
Professional and courteous experience
I recently encountered an issue with unpaid claims for my accidental insurance with CoreBridge Financial/AIG. From the moment I reached out to their executive customer service team, I was met with prompt and thorough attention to my concerns. The representative was not only professional and courteous but also demonstrated a deep understanding of my situation.
They kept me informed throughout the entire process, ensuring I understood each step they were taking to resolve my issue. Their dedication to resolving my claims swiftly and efficiently was truly commendable. In a world where customer service often falls short, CoreBridge Financial/AIG stands out as a company that genuinely cares about its clients.
Thanks to their diligence and commitment, my claims were resolved to my complete satisfaction. I highly recommend CoreBridge Financial/AIG to anyone seeking reliable and responsive insurance services.
Paid into Return of Premium life insurance policy over 20 years ago. As the term neared its completion, I called to be reassured of the process, ensure my automatic bank payments would terminate upon making the final payment, and ensure they had my current address on file. Policy met its end of term two months ago, and I am owed several thousands of dollars. This return of premium was factored into my lifetime financial planning over 20 years ago. Was told the check is in the mail, but it never came. Several calls later, I confirmed that alleged check was not cashed, and a new one would be sent. Several weeks later, called to complain the alleged second check never arrived.
In over 50 years, I have never been victim of mail loss or theft, and I happen to have great confidence in the USPS. Meanwhile, I continue to receive regular USPS correspondence from them informing me I am several hundred dollars delinquent in payments. AIG/AGLI/Corebridge had no issues with me paying my automatic monthly payments each time and on time for 20 years, but something appears to have gone terribly wrong. Strongly encourage anyone experiencing the same (and sadly, it appears I am not alone) to expeditiously file complaints with Federal Trade Commission and State Attorney Generals Office.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Corebridge Financial life insurance is accessible across all 50 states and Washington, D.C. However, specific life insurance product offerings may be limited or not available in select states. To get a detailed understanding of product availability in your state, it's recommended to reach out to Corebridge Financial's customer service team.
Corebridge Financial life tools and benefits
Corebridge life insurance is extensive, but the company also sells other financial products and services that might be helpful to you:
Annuities: Corebridge Financial also offers fixed, variable and indexed annuities, along with variable annuities with structured outcome investments. Corebridge also offers annuities.
Retirement planning workbook: Corebridge Financial offers a free digital workbook for those beginning to plan for retirement and their financial needs.
Frequently asked questions about Corebridge Financial
Corebridge Financial focuses its impact strategy on four key areas: diversity, equity, inclusion and belonging (DEIB), community resilience, financial security and sustainable operations. The company emphasizes creating a workplace that supports diverse talent and fosters a sense of belonging through its Diversity Council and Employee Resource Groups.
Corebridge also supports community resilience by aligning its charitable giving with initiatives that promote financial wellness and stability. Employees are encouraged to give back through paid volunteer time, pro bono work and company-wide service events. In terms of financial security, Corebridge partners with the Foundation for Financial Planning and is a founding member of the Alliance for Lifetime Income, helping more Americans access tools and guidance for protected lifetime income.
On the operations side, sustainability is built into Corebridge’s business model, with a focus on offering a diversified and balanced product portfolio while supporting long-term financial health for its customers and communities.
It may be difficult to think about, but you likely want to make sure your beneficiary knows how to file a life insurance claim with Corebridge Financial. If you have a Corebridge Financial policy and you pass away, your beneficiary can file a claim by:
To call Corebridge Financial, your beneficiary will need to enter your policy number into the online tool. This will then populate the correct service number. To file a claim, your beneficiary will likely need information like your policy number, date of death and proof of your passing. A Corebridge Financial representative will walk your beneficiary through the steps needed to successfully complete the claims process.
Yes, if you have a permanent life insurance policy with Corebridge Financial that builds cash value, you may have the option to cash out or take a loan against that value. Term life insurance policies do not accumulate cash value, so this option is only available with certain permanent life policies. It's important to note that cashing out or taking a loan against your policy will typically reduce the death benefit and may have tax implications. Before making a decision, it's recommended that you consult with a financial advisor or speak directly with Corebridge Financial’s customer service to understand the specific terms and potential consequences.
According to Corebridge Financial, once a claim is approved, beneficiaries typically receive their payment within five business days. If applicable, any pension payments due to death in service are usually set to start within 30 days, provided the correct payment details are on file.
Bankrate Score Methodology
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
Overall rating
Pie chart with 5 slices.
End of interactive chart.
5
Rating: 5 stars out of 5
Overall Score
Ratings40%
Coverage options40%
Accessibility & process20%
Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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