Corebridge Financial life insurance review 2025

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.

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.

Learn more: Prudential life insurance review

Corebridge Financial vs. Fidelity

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.

Learn more: Fidelity Life insurance review

Corebridge Financial vs. New York Life

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.

Learn more: New York Life insurance review

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.

*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 company details

• Company website: https://www.corebridgefinancial.com
• Customer service: 1-800-448-2542
• Mailing address: P.O. BOX 15648 Amarillo, TX 79105-5648

State availability

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

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.

• 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.