Not all Corebridge products are available in every state or through every sales channel. Indexed, variable and survivorship policies are offered only through licensed agents or financial professionals. For available options, coverage limits and eligibility requirements, review state-specific filings or talk to a Corebridge-appointed agent.
Corebridge Life Insurance Review 2026
Corebridge offers term, permanent and final expense life insurance, with options for applicants who want higher coverage limits or simplified underwriting.
Read our Corebridge life insurance review below.
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Updated: April 1, 2026
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At a Glance: Corebridge Life Insurance Review
CoreBridge
MoneyGeek Rating
3.4/ 5
3.3/5Affordability
3.1/5Customer Experience
4.3/5Coverage Points
Average Monthly Cost
$398 (F), $463 (M)Based on a $500,000 universal life policy for 40-year-old nonsmokers with average health.Ages Supported
18-80
Corebridge Life Insurance Products
Corebridge offers a focused lineup of individual life insurance products that address temporary income replacement, lifelong coverage and end-of-life expenses. Product availability, features and underwriting paths vary by state and distribution channel.
Term
Corebridge term life insurance provides coverage for a fixed period, with level premiums for the duration of the term. These policies work well if you want predictable costs and higher coverage amounts during working years. Eligible applicants can choose between fully underwritten and no-exam options, depending on coverage amount and health profile.
Universal
Corebridge offers permanent coverage with flexible premiums and a cash value component. Policyholders can adjust premium payments within limits while maintaining lifelong coverage. Universal life insurance fits people who want lifetime coverage and flexible premium payments, rather than the fixed premiums required by whole life insurance.
The cash value component earns interest and can be accessed through loans or withdrawals, though this may reduce the death benefit
Indexed Universal
These policies link cash value growth to the performance of selected market indexes, subject to caps, floors and participation rates (how much of market gains you receive). Indexed universal life insurance combines permanent coverage with cash value growth tied to market indexes, subject to caps and floors that limit both gains and losses.
Variable Universal
VUL policies allow you to allocate cash value among investment subaccounts (investment options similar to mutual funds) tied to equities and bonds. These policies provide lifetime coverage with higher growth potential and greater risk than indexed or traditional universal life insurance. VUL insurance suits buyers comfortable with market exposure.
Survivorship (Second-to-Die)
Corebridge offers survivorship life insurance through select products and distribution channels, often structured as survivorship universal life or survivorship variable universal life. These policies insure two individuals and pay a death benefit after the second insured passes away. Survivorship coverage is commonly used for estate planning and wealth transfer.
Final Expense
This policy helps pay for funeral and other end-of-life expenses. Final expense life insurance policies have lower face amounts, fixed premiums and simplified underwriting. They work well for older applicants who want straightforward coverage without medical exams.
No-exam policies have coverage limitations and higher premiums. Age and health restrictions apply even with simplified underwriting
Corebridge Life Insurance Riders
A life insurance rider is an optional add-on that adjusts how your policy works or expands benefits. Riders often increase premiums, and availability depends on policy type and state approval.
Rider | Description |
|---|---|
Accelerated death benefit | Access part of death benefit for qualifying terminal illness |
Waiver of premium | Waives premiums if disability meets policy requirements |
Child rider | Provides limited coverage for eligible children |
Accidental death rider | Pays additional benefit for qualifying accidental death |
Rider availability varies by state. Contact Corebridge or a licensed agent to confirm which riders are available in your location.
How Much is a Corebridge Life Insurance Policy?
Life insurance costs at Corebridge depend on several factors, including age, health, tobacco use, coverage amount, policy type and underwriting method. Term policies generally cost less than permanent coverage, while no-exam options often carry higher premiums for the same face amount.
The table below compares estimated Corebridge universal life insurance rates across coverage levels.
Data filtered by:
40
Female
No
| $100,000 | $105 | $1,259 |
| $250,000 | $201 | $2,410 |
| $500,000 | $398 | $4,779 |
| $750,000 | $584 | $7,008 |
| $1,000,000 | $766 | $9,196 |
| $2,000,000 | $1,533 | $18,391 |
| $3,000,000 | $2,299 | $27,587 |
| $5,000,000 | $3,832 | $45,979 |
Life insurance rates and availability vary by state, age, health and other factors. Rates shown are estimates based on our survey methodology and may not reflect your actual premium. This review is for informational purposes only and isn't insurance advice. Consult with licensed insurance professionals for personalized recommendations.
How to Buy Corebridge Life Insurance
Buy Corebridge life insurance through a licensed agent or distribution partner.
Qualify for Agile Underwriting+ (AU+) and you skip the medical exam. Fill out a digital application. Get a decision in 24 to 48 hours. Corebridge checks your prescription history, public records and other data instead of doing lab work. Here's the process:
- Talk with a licensed agent about your coverage needs and policy options.
- Fill out the digital application. Answer health and lifestyle questions.
- Corebridge reviews your application through AU+. No exam. Fast decision.
- Corebridge approves your policy. Pay your first premium. Your coverage starts.
Don't qualify for AU+? Apply through traditional underwriting. You'll take a medical exam, and the review takes longer.
Corebridge's Life Insurance Claims Process
Beneficiaries who want to file a claim should notify Corebridge of the insured’s death and submit required documentation, including a certified death certificate.
Start the process online or by mail using Corebridge’s official claim form. The company reviews submitted documents, verifies policy details and issues payment once the claim meets policy requirements. Claims information and forms are available at Corebridge's website.
Corebridge vs. Other Life Insurance Companies
Corebridge's universal life insurance rates run higher than several competitors at comparable coverage levels. Protective Life, for instance, averages $251 per month for women and $292 per month for men on a $500,000 universal life policy in our survey. That's a big difference for people whose priority is affordable permanent coverage. Shoppers focused on price should review cheapest life insurance options to see how Corebridge stacks up across the full market.
If you're specifically looking for traditional whole life insurance, you should know that Corebridge doesn't offer this product type. People who want guaranteed level premiums and lifelong cash value accumulation will need to look elsewhere, since Corebridge's permanent lineup is limited to universal, indexed universal, variable universal and final expense products. Providers that include whole life insurance options give buyers more flexibility in that category.
All Corebridge policies are sold through licensed agents or distribution partners, with no fully direct-to-consumer path. If you want to apply entirely online without agent involvement, you'll find that limiting compared to some competitors. For a side-by-side look at the broader market, the best life insurance companies page offers a fuller comparison.
Is Corebridge Right for You?
Choosing the right life insurance company depends on your priorities and situation. Corebridge life insurance fits buyers who want flexible underwriting options and access to higher coverage amounts, even if that means working with a licensed agent or distribution partner. Applicants who qualify for Agile Underwriting+ receive faster decisions and no-exam approvals while completing a digital application with agent support.
Corebridge may not suit shoppers who prioritize customer satisfaction rankings or consistent rider availability across states.
Corebridge Life Insurance Policies: FAQ
Is Corebridge life insurance financially stable?
Corebridge has an A financial strength rating from A.M. Best, which indicates a strong ability to meet policyholder obligations.
Does Corebridge offer no-exam life insurance?
Yes, eligible applicants can skip the medical exam. Coverage limits on these policies are lower than what fully underwritten policies offer.
Can older applicants qualify for coverage?
Term life applicants can apply up to age 75. Certain permanent policies have higher maximum issue ages, so your options depend on the policy type you choose.
We looked at rates for a typical 40-year-old guy who doesn't smoke and has average health and $500,000 in coverage, with rate data drawn from average quotes in our survey. The overall MoneyGeek score weights affordability at 50%, customer experience at 30% and coverage options at 20%. Customer satisfaction data comes from J.D. Power, financial strength from AM Best, and complaint volume from the NAIC complaint index.
Related Pages: Other Company Reviews
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
Sources
- Corebridge Financial. "Behind the Scenes of Life Insurance Underwriting." Accessed January 15, 2026.
- Corebridge Financial. "Corebridge Financial Announces Availability of Life Insurance Products Through Allstate Financial Services." Accessed January 15, 2026.
- Corebridge Financial. "File a Life Insurance Claim." Accessed January 15, 2026.
- Corebridge Financial. "Final Expense Whole Life Insurance." Accessed January 15, 2026.
- Corebridge Financial. "Life Insurance." Accessed January 15, 2026.
- Corebridge Financial. "Permanent Life Insurance." Accessed January 15, 2026.
- Corebridge Financial. "Term Life Insurance." Accessed January 15, 2026.