Corebridge Financial Life Insurance Ratings & Review | Quotacy
Corebridge (formerly AIG) excels at competitive pricing and they’re eco-friendly. We love their paperless process from start to finish.
Corebridge Life Customer Service: (800) 231-3655
Table of Contents
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Corebridge Company Overview
Location
New York, NY
Established
1919
Customers
12,000,000
Employees
56,400 worldwide
Location
New York, NY
Established
1919
Customers
12,000,000
Employees
56,400 worldwide
Corebridge Ratings & Awards
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A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.
Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).
J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.
Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.
Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.
For 8 straight years, AIG has topped the Business Insurance rankings for its commitment to innovative risk management products and services.
In 2017, for the second consecutive year, AIG was recognized by the CIO 100 for integrating cutting-edge technology into its digital infrastructure.
In 2017, for the fourth consecutive year, DiversityInc named AIG one of 25 Noteworthy Companies for Diversity.
For the sixth consecutive year, AIG has achieved a 100% rating in the Human Rights Campaign’s Corporate Equality Index and earned recognition as one of the Best Places to Work for LGBT equality.
Quotacy’s Advice
To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.
Corebridge is excellent for:
- Depression & Anxiety
- Foreign Nationals & Travel
- Healthy Individuals
- Sleep Apnea
Corebridge excels at competitive pricing and they’re eco-friendly. We love their paperless process from start to finish.
Corebridge Comparison Quotes
Corebridge Select-a-Term®
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Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals living in Minnesota. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.
Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.
Corebridge Secure Lifetime GUL 3
Sample monthly premium quotes for a $500,000 guaranteed universal life insurance policy for healthy, non-smoking individuals. Pricing varies by gender. Women pay less for life insurance than men because they live longer on average.
A guaranteed universal life insurance policy is similar to a traditional level term policy, but you can opt to have the policy last your entire lifetime.
Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of September 2022.
Want to see what you’d pay for life insurance?
Compare the best prices from the names you know and trust, all in one place with no commitments.
Corebridge Features & Benefits
What we like
- Flexible term lengths available—ask your Quotacy agent for details.
- Can be converted into a permanent policy.
- Includes Accelerated Death Benefit Rider at no charge.
- Your medical exam can be done at home or work.
- Review your medical exam results upon request.
- Policy delivered electronically.
- You can manage your policy online.
What could be better
- Every applicant must get a medical exam.
- Credit card payments are not accepted after initial payment.
Corebridge Policy Details
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*10-year term available for ages 20-80 (tobacco users 20-75); 15-year term available for ages 20-75 (tobacco users 20-70); 20-year term available for ages 20-70 (tobacco users 20-65); 30-year term available for ages 20-55 (tobacco users 20-50; 35-year term available for ages 20-45 (tobacco users 20-40).
**State of issue, payment mode, and draft date can affect the grace period end date. Your policy will state specifics.
» Compare: Term life insurance quotes
Corebridge Policy Riders
Increase your policy’s benefits with riders
Accelerated Death Benefit Rider
*Included
This rider—also known as a Terminal Illness Rider—is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit if you are diagnosed with a terminal illness resulting in 24 months or less to live.
Accidental Death Benefit Rider
*Available at additional cost
Your policy’s beneficiary will receive an increased death benefit with this rider, if you would die due to an accident. Cost varies by age and benefit amount with options ranging up to $250,000—not to exceed policy face amount.
Return of Premium Rider
*Included with AIG’s Secure Lifetime GUL 3 policy
The return of premium rider—called the Enhanced Surrender Value Rider—is only included on AIG’s Secure Lifetime GUL policy, not their Select-a-Term policies. This return of premium rider offers a one-time option to surrender your GUL policy during a 60-day period following the end of policy year 20 or 25. The cash surrender value for Year 20 is 50% of total premiums paid (minus any withdrawals and/or loans). The cash surrender value for Year 25 is 100% of total premiums paid (minus any withdrawals and/or loans).
Child Rider
*Available at additional cost
For as little as $50 per year, add a child rider that covers your children under age 18. Options range from $10,000 to $25,000 in coverage per child. Ask your Quotacy agent for details.
Premium Waiver for Disability
*Available at additional cost
AIG will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.
Corebridge Policy Service
Contact
- Customer Service: (800) 231-3655
- Technical Assistance with eService: (800) 280-2011
- Fax: (844) 930-0370
Hours: Monday-Friday, 7:00 AM-6:00 PM Central
Payment Mailing Address
American General Life Insurance Companies
PO Box 305293
Nashville, TN 37027
Manage your policy online
- Visit www.aig.com/eService.
- Click Register for new account.
- Enter your personal information.
- Click Continue and proceed through the prompts.
What you can do online
- View your policy details.
- Pay your premiums.
- Enroll in electronic billing.
- Update your address.
- Change your beneficiaries.
The Fine Print
Guidelines & Exclusions
Term Conversion
- For a 10-year term, conversion to any permanent product is available the first eight years. After that, conversion products are limited.
- For all other terms, conversion to any permanent product is available the first ten years. After that, conversion products are limited.
- Partial conversions are allowed.
Accidental Death Benefit Rider
- Suicide or attempted suicide,
- Committing or attempting to commit a felony,
- Engaging in illegal occupation,
- Active participation in a riot, insurrection, or terrorist activity,
- Operating vehicle while having an illegal blood alcohol content level,
- Infirmity or disease of mind or body or treatment for it,
- Self-administration of any drug not prescribed or administered by a licensed physician, or
- Flight in or descent of any aircraft in which you were a pilot or crew member.
Waiver of Premium Rider
- If disability begins on or after age 60, AIG will waive premiums until one year after total disability began or until age 65—whichever is later.
- Premiums will not be waived if disability is result of:
- Attempt of suicide,
- Committing or attempting to commit a felony, or
- Active participation in a riot, insurrection, or terrorist activity.
Policy Loans and Withdrawals - GUL only
- Policy loans and withdrawals will affect the guaranteed death benefit.
- The cash value interest rate is guaranteed at 2% and withdrawals are allowed after the 5th policy year.
- There is a $25 charge for each withdrawal.
- Partial withdrawals may be taxed as regular earnings.
- Loans have variable interest rates.
Accelerated Death Benefit Rider
- Also known as Terminal Illness Rider.
- Eligible if you have 24 months or less to live (12 months or less in Florida).
- Not eligible if terminal illness is result of self-inflicted injuries.
- May accelerate up to 50% of the death benefit—up to $250,000.
- Processing fee when payout is accelerated will not exceed $500 ($100 in Florida).
Child Rider
- Newborn child covered after the 14th day post-birth.
- Rider can be converted to a new policy up to five times the rider face amount.
- Parent or child can convert rider at any time during the policy term—up to 31 days prior to the child’s 25th birthday.
- Child rider terminates at the end of the policy or the child’s 25th birthday—whichever is earliest.
Changing Coverage Amounts - GUL only
- Increasing the coverage amount on AIG’s Secure Lifetime GUL 3 policy is an available option at any time, subject to satisfactory evidence of insurability.
- Increasing the coverage amount will void the guaranteed cash value provision of the policy.
- Decreasing the coverage amount is an available option any time after the first policy year.
Updated: January 2023
More term life insurance reviews
We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.