Corebridge Life Insurance Review 2027: Is Former AIG Coverage Still Worth It?
Corebridge Financial life insurance is the current name consumers will see for the former AIG Life & Retirement business. American General Life Insurance Company still issues many of the policies, including Select-a-Term, but the broader life and retirement business now operates under the Corebridge Financial brand.
PinnacleQuote no longer offers Corebridge/American General life insurance. Our review is therefore independent of a current sales relationship. Corebridge still has a flexible term product and strong financial backing, but we rate it 3 out of 5 because recent third-party complaint and customer-satisfaction data are below what we want to see for a long-term life insurance relationship.
Is Corebridge Financial Life Insurance Good in 2027?
Corebridge Financial is a legitimate, financially strong life insurer with a flexible Select-a-Term product offering 18 term durations. However, its customer-service record is a concern: recent independent reviews cite far more complaints than expected and a low J.D. Power ranking. We rate Corebridge 3/5 and would compare Prudential, Banner Life, and Protective before applying.
Compare Better Alternatives Before You Apply
We currently prefer to compare Prudential, Banner Life, and Protective Life for many term-life applicants.
Table of Contents
Is AIG Life Insurance Now Corebridge Financial?
Yes, with an important distinction. AIG Life & Retirement became Corebridge Financial, and the direct-to-consumer business changed from AIG Direct to Corebridge Direct in 2024.
American General Life Insurance Company did not simply disappear. It remains a legal insurance company under the Corebridge umbrella and continues to issue life insurance policies in states outside New York. In New York, policies may be issued by The United States Life Insurance Company in the City of New York.
Why We Rate Corebridge Life Insurance 3 Out of 5
Corebridge still has real strengths. Select-a-Term is unusually flexible, the company offers permanent-life products, and its U.S. life insurers carry strong financial-strength ratings.
The reason we stop at three stars is customer experience. NerdWallet’s 2026 review found that Corebridge drew far more complaints to state regulators than expected for a company of its size and ranked No. 19 out of 22 companies in J.D. Power’s 2025 U.S. Individual Life Insurance Study.
| Category | Our View | Why |
|---|---|---|
| Financial strength | Strong | Corebridge states its U.S. life insurers hold strong ratings from independent agencies. |
| Term product design | Very good | Select-a-Term offers 18 different term-period choices. |
| Underwriting flexibility | Good | Multiple underwriting classes, substandard availability, and automated underwriting for some applicants. |
| Customer service | Below average | Recent complaint and J.D. Power results are weaker than we prefer. |
| Overall | 3/5 | Good product mechanics, but better all-around alternatives are available for many applicants. |
Corebridge Select-a-Term Life Insurance Review
Select-a-Term remains the standout product in the Corebridge lineup. The current American General/Corebridge brochure offers a 10-year term, every annual duration from 15 through 30 years, and a 35-year term—18 choices in total.
That is useful when a consumer wants to match the policy more precisely to a mortgage, income-replacement period, business obligation, or other temporary need instead of automatically buying a standard 10-, 20-, or 30-year policy.
| Feature | Current Product Detail |
|---|---|
| Term periods | 10 years; every annual duration from 15–30 years; 35 years |
| Minimum death benefit | $100,000 |
| Underwriting classes | Preferred Plus through Special / substandard classifications, subject to age and underwriting |
| Policy expiration | Age 95, with post-level annual renewal provisions |
| Conversion | Conversion rights are available during the stated conversion period, generally subject to the earlier of the term rules or age 70 |
| Terminal illness rider | Included on eligible Select-a-Term plans at no additional premium |
Corebridge Life Insurance Pros and Cons
Corebridge is not a poor insurance company simply because we no longer offer it. There are legitimate reasons a consumer may still consider Select-a-Term, especially if an unusual term duration fits the need.
The concern is whether those product strengths outweigh the customer-service record when comparable carriers are available.
| Pros | Cons |
|---|---|
| 18 term-length choices | Recent regulator complaint levels are higher than expected |
| Strong financial backing | Low recent J.D. Power customer-satisfaction ranking |
| Conversion privileges | We no longer include Corebridge in our preferred carrier lineup |
| Terminal illness rider on eligible term plans | Post-level term mechanics can become less attractive for someone keeping coverage beyond the initial term |
| Broad underwriting classifications | Another carrier may provide comparable pricing with a stronger customer-service profile |
How Is Corebridge Customer Service?
This is the biggest reason our review is only three stars. Customer service is hard to judge from isolated online reviews, so we prefer broader data such as complaints filed with state regulators and large customer-satisfaction studies.
NerdWallet’s 2026 analysis reports that Corebridge received far more complaints than expected for a company of its size over a three-year period. It also reports that Corebridge ranked 19th out of 22 companies in J.D. Power’s 2025 U.S. Individual Life Insurance Study.
How Does Corebridge Life Insurance Underwriting Work?
The current Select-a-Term material shows a broad range of underwriting classes, including Preferred Plus, Preferred Non-Tobacco, Standard Plus, Standard Non-Tobacco, tobacco classes, and Special classes. Substandard classifications can extend through Table H for issue ages 70 or younger and through Table D above age 70, subject to carrier rules.
Corebridge also uses automated underwriting for some applicants. The current brochure says applicants ages 18–59 seeking $3 million or less, and ages 60–70 seeking $1 million or less, may be considered through automated underwriting, although medical records, labs, financial information, or other documentation can still be requested.
Better Alternatives to Corebridge Life Insurance
Because PinnacleQuote no longer offers Corebridge, we would generally start by comparing the applicant with carriers we actively use and service. For many term-life cases, our first alternatives are Prudential, Banner Life, and Protective Life.
These are not automatic replacements for every Corebridge applicant. The best choice still depends on health, age, build, tobacco use, term length, coverage amount, state, and underwriting class.
Prudential
Complex underwritingAccelerated path
Prudential EssentialTerm Value is often worth reviewing when health or build makes carrier selection more complicated. Eligible applicants may also qualify for PruFast Track accelerated underwriting.
Banner Life
Competitive term pricing10–40 year terms
Banner OPTerm is one of our strongest term alternatives. Current carrier material highlights competitive consideration for several common controlled health conditions in addition to a wide range of term durations.
Protective Life
10–40 year termsLarge face amounts
Protective Classic Choice is another strong alternative for consumers who want term flexibility. It offers 10-, 15-, 20-, 25-, 30-, 35-, and 40-year options subject to age and underwriting rules.
Already Considering Corebridge?
Compare it against Prudential, Banner Life, and Protective before committing to an application.
How Do I Contact Corebridge Life Insurance?
If you already own an American General, AIG, or Corebridge life insurance policy, contact the insurer directly for policy servicing. The current Corebridge contact page lists a dedicated number for American General Life Insurance Company and US Life customers.
Do not rely on older AIG contact information saved from years ago. Servicing addresses and phone numbers can change after corporate reorganizations.
People Also Ask About AIG and Corebridge Life Insurance
These questions address the confusion created by the AIG-to-Corebridge transition and the current Select-a-Term product.
Is AIG Life Insurance now Corebridge?
Yes. AIG Life & Retirement became Corebridge Financial, and AIG Direct was renamed Corebridge Direct in 2024. American General Life Insurance Company remains one of the legal insurance companies under the Corebridge umbrella and continues to issue policies outside New York.
Is American General Life Insurance still in business?
Yes. American General Life Insurance Company remains an active Corebridge subsidiary. Current Select-a-Term materials identify American General as the issuing company in most states and The United States Life Insurance Company in the City of New York as the New York issuer.
Is Corebridge Financial a good life insurance company?
Corebridge has solid financial backing and a flexible term product, but its recent customer-service metrics are weaker than we prefer. We rate it 3/5 because independent complaint data and J.D. Power results suggest consumers should compare other strong carriers before choosing it.
What happened to AIG Select-a-Term?
Select-a-Term still exists under the Corebridge umbrella and is issued by American General Life Insurance Company in most states. The current product offers 18 term periods: 10 years, every annual duration from 15 through 30 years, and a 35-year option.
What are good alternatives to Corebridge?
For many term-life applicants, PinnacleQuote currently prefers to compare Prudential, Banner Life, and Protective Life. The best alternative depends on the applicant’s age, health, tobacco use, desired term, coverage amount, and underwriting profile.
Corebridge Financial Life Insurance FAQ
The questions below cover practical issues for current policyholders and shoppers comparing the former AIG life insurance business.
Does PinnacleQuote still sell Corebridge life insurance?
No. PinnacleQuote no longer offers Corebridge/American General products. We maintain this review to help consumers understand the company and compare it with carriers we currently use.
Can an old AIG policy still be valid?
Yes. A corporate rebrand does not by itself cancel an existing policy. Review your contract and current servicing information, and contact Corebridge if you need confirmation about an older AIG or American General policy.
Does Corebridge offer long term lengths?
Yes. Select-a-Term offers 18 choices, including 10 years, annual durations from 15 through 30 years, and a 35-year term.
Should I replace an existing Corebridge policy?
Not automatically. Never cancel an existing policy until replacement coverage has been approved, accepted, paid, and placed in force. Compare the old and new premiums, guarantees, conversion rights, contestability provisions, and effective dates first.
Bottom Line: Good Product Flexibility, but Better Alternatives Exist
Corebridge is not an insurer we would dismiss outright. Select-a-Term remains one of the more flexible term products because of its 18 duration choices, and American General remains an established issuing company.
However, the customer-service and complaint picture keeps this at a 3/5 review for us. Since PinnacleQuote no longer offers Corebridge, we would normally compare Prudential, Banner Life, and Protective before deciding where to apply.
Compare Corebridge Alternatives
Choose a quick quote, complete the health assessment, call us, or schedule a review.
Final eligibility, underwriting classification, pricing, product availability, and policy terms depend on the carrier and state.
- American General Life Insurance Company / Corebridge Financial Select-a-Term consumer brochure, Rev. 09/2025
- Corebridge Financial — company background
- Corebridge Financial — AIG Direct renamed Corebridge Direct
- Corebridge Financial — current contact information
- NerdWallet — 2026 Corebridge review and complaint/customer-satisfaction analysis
Product materials and current public research were reviewed in October 2026 for 2027 planning. PinnacleQuote no longer offers Corebridge/American General products. Policy forms, state availability, underwriting rules, carrier-approved quotes, and the issued contract control.
