Corebridge Financial Life Insurance Review (2026)

About Corebridge Financial Life Insurance

Formed in 2022,  Corebridge Financial (formerly AIG Life & Retirement) represents the life insurance and retirement business that operated under the AIG name for decades before being rebranded and separated into its own company. As of 2025, the company has $385 billion in assets under their management, with 4 million life insurance policies in force.¹

Beyond life insurance, Corebridge Financial offers annuities, individual retirement plan services, and institutional investment products. Products are distributed either through independent agents or by Corebridge Direct, the company's consumer-facing direct channel.

What is the relationship between Corebridge Financial and AIG life insurance?

Corebridge Financial was formerly AIG’s Life & Retirement business. In 2022, AIG announced that it would rebrand that business as Corebridge Financial as part of its plan to separate the unit into a standalone public company. Today, Corebridge Financial operates as a separate public company listed on the New York Stock Exchange under the ticker symbol CRBG.

Corebridge Financial Life Insurance Review for 2026

Corebridge Financial offers a broad mix of life insurance options, from highly customizable term coverage to indexed universal life and final expense policies. This 2026 Corebridge Financial life insurance review looks at its products, underwriting options, application and claims processes, customer experience, and pros and cons to help you decide whether it is worth considering.

Corebridge Financial’s Financial Strength and Ratings

Financial strength ratings help indicate how well an insurance company is positioned to meet its ongoing policyholder obligations. For life insurance buyers, these ratings can be an important signal of stability, especially because policies are often designed to remain in place for many years.¹

• AM Best: A (Excellent)
• S&P Global: A+ (Strong)
• Moody's: A2 (Good)
• Fitch: A+ (Strong)

These ratings suggest that Corebridge Financial’s insurance subsidiaries are viewed by major rating agencies as financially sound and capable of meeting their claims-paying commitments.

Corebridge Financial Life Insurance Products

Corebridge Financial's product lineup centers on term life flexibility and indexed universal life options, with more limited whole life and final expense offerings for buyers who need guaranteed acceptance coverage.

Term Life Insurance

Corebridge’s “select-a-term” life insurance is designed for people who want term coverage that closely matches their financial timeline. Here are a few key features of term life insurance:²

• Product type: Select-a-Term life insurance, which is a flexible term life policy that allows you to choose from a wide range of coverage durations to fit your specific needs.
• Term length options: 18 possibilities, including 10 years, any annual term from 15 to 30 years, or 35 years.³
• Conversion feature: Can be converted to permanent life insurance within a specified timeframe.
• Coverage amounts: Starting at $100,000 and available at higher amounts, including over $1 million.³

The conversion option may also provide added flexibility for those who want the ability to move into permanent coverage later.

Indexed Universal Life Insurance

Indexed universal life insurance is a type of permanent life insurance that provides lifelong coverage, flexible premiums and the potential to build cash value. Key features may include:⁴

• Coverage minimums: Minimum coverage amounts may start around $50,000 to $100,000, depending on the policy and applicant.³
• Permanent coverage: Designed to remain in force as long as policy requirements are met.
• Adjustable premiums and death benefit: Premium payments and death benefit can be modified over time, subject to policy rules.
• Cash value potential: Cash value growth is tied in part to the performance of one or more market indexes, such as S&P 500.⁴
• Downside protection: A floor that may help protect cash value from negative index performance.
• Growth limits: Caps, spreads and participation rates may limit gains.
• Living benefit options: Some policies may offer riders for qualifying events such as terminal or chronic illness.
• Underwriting flexibility: Certain applicants may qualify without a medical exam.

Final Expense Life Insurance

Final expense coverage helps provide funds for end-of-life costs, such as funeral, burial and cremation expenses. These no-medical-exam whole life policies typically offer coverage amounts between $5,000 and $35,000.³

• Level death benefit option: Beneficiaries can receive the full death benefit starting in the first policy year. Some policies may also include living benefits for qualifying terminal illness or nursing home confinement, with an optional accidental death benefit rider available.
• Graded death benefit option: The death benefit increases over time. If the insured dies within the first two policy years, beneficiaries generally receive 110% of premiums paid instead of the full death benefit. The full benefit typically becomes available in the third policy year.

Corebridge Financial Underwriting and Application Process

Corebridge uses a mix of several underwriting pathways, depending on the product type, coverage amount, and individual health profile. Many term applicants qualify for a no-exam option whereas final expense applicants qualify via simplified underwriting.⁵

Medical Exam Requirements

• Traditional underwriting: A comprehensive review process that may involve a medical exam, lab work, health records and other information to assess an applicant’s risk profile.
• Automated underwriting: Uses computer-based systems and data analysis to evaluate applications, helping deliver faster and more consistent decisions with less reliance on manual review.
• Accelerated underwriting: Also known as instant decision life insurance, this approach speeds up the approval process by eliminating medical exams and lab testing for eligible applicants.
• Simplified underwriting: Features a straightforward application process with fewer requirements, making it a potential option for seniors, individuals with significant health concerns or those seeking coverage on a shorter timeline.

How to Apply for Corebridge Financial Life Insurance

Applying for Corebridge Financial life insurance begins with selecting the coverage that best fits your needs. Here’s how to apply for Corebridge life insurance coverage:

• Determine your coverage needs: Choose the type of life insurance and coverage amount that aligns with your financial goals.
• Connect with a licensed professional: A financial professional or insurance agent can help you explore options and start the application.
• Submit an application: Provide basic personal, health and beneficiary information.
• Complete underwriting: Depending on eligibility, underwriting may be traditional, automated, accelerated or simplified.
• Fulfill any additional requirements: Some applicants may need a medical exam or health records, while others may qualify for a no-exam process.
• Review and accept your policy: If approved, review the coverage details and make your first premium payment to activate the policy.

Corebridge Financial Life Insurance Customer Experience

Corebridge primarily serves life insurance policyholders through a network of agents and financial advisors, with limited direct digital access. Policy management is available through an online portal.

Customer Service and Contact Options

Policyholders can reach Corebridge by phone. Service hours are Monday through Friday, 7:00 a.m. to 8:00 p.m. CT. Here are a few contact options for you:⁶

• Phone: 1-800-448-2542
• Mailing Address: Corebridge Retirement Services, P.O. BOX 15648, Amarillo, TX 79105-5648

There is no live chat or virtual assistant available for life insurance policyholders.

Corebridge Financial Life Insurance Claims Process

Corebridge allows beneficiaries or other eligible parties to start a life insurance claim online or by phone. Here is how you can apply:

• Start the claim online: Use Corebridge’s online death claim form for individual life insurance policy claims.
• Have key details ready: You may need the life insurance policy number, the deceased policyholder’s personal information, date and manner of death, and your own contact information.
• Wait for the claims packet: After the claim is initiated, Corebridge sends the required forms and instructions based on the claim type and beneficiary situation.
• Submit required documents: Most claims require each beneficiary to complete a Claimant’s Statement, along with proof of death and a copy of the policy if available.
• Respond to follow-up requests: If anything is missing or incomplete, Corebridge says it will notify the appropriate party and explain what is still needed.

Mobile App and Online Access

The Corebridge app is available on iOS and Android but is designed primarily for workplace retirement plan participants, not life insurance policyholders. Life insurance policy access is managed through the online portal available on the website. Buyers seeking a fully digital life insurance experience will find the company's tools more limited than most competitors.

Corebridge Financial Life Insurance Pros and Cons

Corebridge Financial offers a broad life insurance lineup backed by a long operating history and strong financial strength ratings. However, the buying experience may not be ideal for shoppers who prefer a fully digital quote-and-apply process.

Pros of Corebridge Financial Life Insurance

• Strong financial strength ratings: Corebridge’s insurance subsidiaries receive favorable ratings from major agencies, such as A (Excellent) from AM Best, which can provide added confidence among buyers.
• Wide range of term lengths: Select term coverage is available in 18 duration options, including terms up to 35 years.
• Multiple underwriting paths: Applicants may have access to fully underwritten, accelerated or no-medical-exam options, depending on eligibility.
• Established industry background: Corebridge has a credible history tied to AIG’s former Life & Retirement business, which may appeal to shoppers prioritizing established insurers.

Cons of Corebridge Financial Life Insurance

• Agent-driven application process: Many policies require working with a financial professional or insurance agent, which may be less convenient for consumers who prefer a self-service online experience.
• No online quotes available: The lack of instant online pricing can make it more difficult to compare costs quickly with competitors that provide digital quote tools.
• Higher consumer complaint levels reported: Some complaint data may be higher than expected, depending on the specific subsidiary and reporting period reviewed.

Ethos vs. Corebridge Financial Life Insurance

Ethos and Corebridge Financial serve different types of life insurance shoppers. The right choice depends on a person’s needs, coverage amount requested and underwriting guidelines.

Buying Experience

• Ethos stands out for its fully online, guided application process that helps buyers compare coverage options from multiple carriers without any agent involvement. 
• Corebridge Financial generally relies on licensed agents, which can be helpful for personalized guidance but may feel less convenient for shoppers who want self-directed experience.

Quote Transparency and Speed

• Ethos is a strong fit for buyers who want to compare pricing quickly and move through the application process with fewer manual steps. 
• Corebridge may require more back-and-forth with an agent to understand available options, pricing and eligibility, which can make the process lengthy.

Underwriting Fit

• Ethos emphasizes accelerated underwriting, allowing applicants to qualify for coverage by answering only a few health questions, without the need for a medical exam. 
• Corebridge offers a mix of underwriting pathways, which can provide great flexibility for applicants with varying health profiles and coverage needs.

Best Overall Fit Profile

• Ethos is well suited for modern shoppers who value speed, access to multiple carriers and a fully online application process without any agent involvement. 
• Corebridge Financial may be a better match for buyers who prefer working with an advisor or need more specialized coverage options, including final expense coverage.

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