Corebridge’s lineup changes by state and by sales channel. Indexed, variable and survivorship policies come only through licensed agents or financial professionals. Ask a Corebridge-appointed agent, or check your state’s filings, to see which options, limits and eligibility rules apply to you.
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: November 4, 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.
TermWith Corebridge term life insurance, you pick a set period of coverage and pay the same premium every year of it. That works well if you want costs you can plan around and a larger death benefit while you’re earning. Eligible applicants can go fully underwritten, with a medical exam, or skip the exam. The amount you want and your health decide which route you can take.
UniversalCorebridge’s permanent coverage comes with flexible premiums and a cash value account. Within limits, you can change what you pay and still keep coverage for life. If you want lifelong protection without the locked-in premiums of whole life, universal life insurance is the fit.
The cash value earns interest. You can borrow against it or withdraw from it, but either one may shrink the death benefit.
Indexed UniversalYour cash value grows based on how selected market indexes perform, but caps, floors and participation rates limit how much. A participation rate is the share of market gains you get. Indexed universal life insurance gives you permanent coverage along with that growth, so it’s a good fit if traditional universal life feels too slow.
Variable UniversalA VUL policy lets you put your cash value into subaccounts, which are a lot like mutual funds that invest in stocks and bonds. You get lifetime coverage, a shot at more growth and more risk than you’d take with indexed or traditional universal life. It makes sense if market ups and downs don’t rattle you.
Survivorship (Second-to-Die)Corebridge offers survivorship life insurance, but only through certain products and channels. Most of it is survivorship universal life or survivorship variable universal life. One policy covers two people, and it pays out when the second one dies. Many families buy it to plan an estate or pass wealth to heirs.
Final ExpenseFinal expense insurance pays for a funeral and other end-of-life costs. The face amounts are lower, the premiums stay fixed and the underwriting is simple. That suits older applicants who want plain coverage with no medical exam.
The tradeoff is that no-exam policies cap your coverage and cost more. Even with simplified underwriting, you still have to meet age and health rules.
Corebridge Life Insurance Riders
Think of a life insurance rider as an extra you can attach to your policy. It can change how the policy works or add benefits, and it usually costs more. Your policy type and your state decide which riders you can add.
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 are 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 the cheapest life insurance options to see how Corebridge stacks up across the full market.
If you're specifically looking for traditional whole life insurance, 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, Corebridge is 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?
Which insurer suits you depends on what you need. Corebridge works for buyers who want flexible underwriting and higher coverage amounts and don’t mind going through a licensed agent or distribution partner. Qualify for Agile Underwriting+, and you fill out a digital application with an agent’s help, hear back sooner and skip the exam.
Corebridge may not suit shoppers who prioritize customer satisfaction rankings or consistent rider availability across states.
Corebridge Life Insurance Policies: FAQ
Corebridge has an A financial strength rating from A.M. Best, which indicates a strong ability to meet policyholder obligations.
Yes, eligible applicants can skip the medical exam. Coverage limits on these policies are lower than what fully underwritten policies offer.
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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- Corebridge Financial. "Behind the Scenes of Life Insurance Underwriting." Accessed October 4, 2026.
- Corebridge Financial. "Corebridge Financial Announces Availability of Life Insurance Products Through Allstate Financial Services." Accessed October 4, 2026.
- Corebridge Financial. "File a Life Insurance Claim." Accessed October 4, 2026.
- Corebridge Financial. "Final Expense Whole Life Insurance." Accessed October 4, 2026.
- Corebridge Financial. "Life Insurance." Accessed October 4, 2026.
- Corebridge Financial. "Permanent Life Insurance." Accessed October 4, 2026.
- Corebridge Financial. "Term Life Insurance." Accessed October 4, 2026.