Corebridge life insurance, reviewed.
A statement arrives and the name at the top has changed: the AIG policy in the drawer now says Corebridge. Here’s the short answer on Corebridge life insurance. It is the former AIG Life & Retirement business, its policies are issued by the century-old American General Life, and its Select-a-Term and guaranteed universal life plans are genuinely competitive. A carrier worth a spot on your shortlist.
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What it does well
Term flexibility, permanent depth.
Corebridge’s case rests on two products doing their jobs well: a term policy with more length choices than almost anyone, and a guaranteed universal life plan for coverage that lasts. Behind both sits an issuing insurer that has paid claims for over a century.
The former AIG life business
Corebridge Financial is the company AIG’s Life & Retirement division became when it went public in September 2022. The scale and the claims history came with it.
Term in 18 lengths
Select-a-Term offers 18 level-term durations from 10 to 35 years, per Corebridge. You can match the term to the exact years you need instead of rounding up to the next standard length.
Guaranteed universal life
Secure Lifetime GUL 3 is built for one job: a death benefit that stays in force for life as long as the scheduled premium is paid. Lifelong coverage without the heavier cash-value machinery of whole life.
Issued by a century-old insurer
Policies come through American General Life Insurance Company of Houston, and in New York through The United States Life Insurance Company in the City of New York.
A wider permanent shelf
Beyond term and GUL, Corebridge offers variable universal life for market-tied cash-value growth and final-expense coverage for seniors, some of it with no medical exam.
Sold through independent professionals
Most Corebridge life coverage is placed through independent licensed professionals, so its plans get compared to the market rather than pitched alone.
Want to see Corebridge’s number for your exact term length? A licensed professional will run it and compare it to the market. No obligation.
The product line
Term matched to the year, or coverage for life.
Corebridge’s life shelf covers three different jobs, all issued through American General Life (per Corebridge):
Select-a-Term
Term, 18 lengths
Level term in 18 durations from 10 to 35 years. Owe 23 years on the mortgage? Buy 23 years of coverage, not 25 or 30. The premium stays level for the length you pick.
Secure Lifetime GUL 3
Coverage that lasts
Guaranteed universal life: permanent coverage priced for the death benefit, designed to stay in force for life when the scheduled premium is paid. Cash value is secondary.
VUL & final expense
The rest of the shelf
Variable universal life for cash-value growth tied to markets, and final-expense coverage for seniors, some available without a medical exam.
Not sure which job you’re solving for? Our free policy review starts there: what the coverage needs to do, then whether the plan you have (or the one you’re quoted) does it well.
Compare the market
Where Corebridge lands on price.
Term pricing clusters tightly among the big, highly rated carriers, and Corebridge competes inside that cluster. Its quieter pricing edge is the one people miss: duration matching. Most carriers sell term in 5-year steps, so a 22-year need means buying 25 years and paying for three you never wanted. Select-a-Term’s 18 lengths let you buy only the years you need, and years you don’t buy are the cheapest ones of all.
Your actual figure depends on your age, sex, health class, coverage amount, and state, so no table here can be your quote. The only way to know whether Corebridge wins for your profile is to set a live quote beside two or three other highly rated carriers for the same coverage. Our roundup of the best life insurance companies shows the field it competes against.
From AIG to Corebridge
The name changed. The contract didn’t.
Most questions we hear about Corebridge start with an old AIG policy. The short version: your coverage carried straight through. Here is the timeline in three steps.
01
2022: the spin-off
AIG took its Life & Retirement division public as Corebridge Financial in September 2022, then sold down its stake over the following years, completing the exit in 2026.
02
Your policy carried through
AIG-era life policies were issued by American General Life all along. That same insurer still holds the contract and services it under Corebridge. Premium, coverage, and beneficiaries: unchanged.
03
2026: the Equitable merger
In March 2026, Corebridge and Equitable Holdings announced an all-stock merger expected to close by year-end 2026, pending approvals. Corporate deals change the letterhead, not your contract terms.
The merger details are public in Corebridge’s own announcement. If you hold one of these policies and want practical help with billing, beneficiaries, or claims, our Corebridge policy help guide covers the service side, and the American General policy help guide does the same for policies still carrying that name.
Is it a good fit?
Best for term shoppers who know their number.
Corebridge fits two buyers especially well. The first knows exactly how many years of coverage the job needs (a 17-year runway to retirement, a 23-year mortgage) and wants a term that matches instead of rounding up. The second wants permanent coverage purely for the death benefit, where guaranteed universal life tends to be the cleaner tool. For a closer look at the issuing insurer behind both, our American General review goes deeper.
If you want participating whole life with dividends from a mutual insurer, that is a different shelf, and other carriers fit that job better. No knock on Corebridge; it simply builds different tools. Either way, it earns its place by competing, so let it: set its quote beside two or three others and the best value shows itself quickly.
Eighteen term lengths sounds like a catalog detail until you price it. Buying 23 years instead of 30 means never paying for seven years of coverage you didn’t need.
Already have a policy?
Often the right move is to keep it.
If you bought an AIG or American General policy years ago, it was priced on the younger, healthier you. A replacement is priced on you today, and it restarts the contestability window (the period when a carrier can re-examine the application). So when the coverage still fits the need and the premium is fair for the age you were, the honest answer is usually: keep it. A review that ends in “keep what you have” is a successful review.
A licensed professional will read your policy with you, in plain English, and check four things.
Free · no obligation · Mon-Sat · 10am-9pm
- Whether your locked-in premium still beats a fresh quote
- How many level years remain if you hold Select-a-Term
- Whether a GUL policy is funded on its scheduled track
- That your beneficiary (and a contingent backup) are current
Straight answers
Corebridge questions, answered.
Reviewed by Aleen Alnono, licensed insurance agent (NPN 58310472) · Updated July 2026
Holding a policy and stuck on a service question? Our Corebridge policy help guide covers billing, beneficiaries, and claims step by step.
01Is Corebridge life insurance legit?
Yes. Corebridge Financial is a large, publicly traded company built from AIG’s Life & Retirement division, and its life policies are issued by American General Life Insurance Company, a state-regulated insurer that has been writing coverage for over a century. This is an established carrier, not a startup.
02Is Corebridge the same as AIG?
It grew out of AIG but is now a separate company. AIG took its Life & Retirement business public as Corebridge Financial in September 2022 and sold down its ownership over the following years, completing the exit in 2026. If you bought an AIG life policy, Corebridge is where that business lives today.
03Who actually issues Corebridge life insurance policies?
American General Life Insurance Company, based in Houston, issues Corebridge life policies in most states. In New York, they are issued by The United States Life Insurance Company in the City of New York. Corebridge is the parent brand; those insurers hold the contract and pay the claims.
04What life insurance does Corebridge offer?
Term life through Select-a-Term, guaranteed universal life through Secure Lifetime GUL 3, variable universal life for cash-value growth tied to markets, and final-expense coverage for seniors. Term and GUL are the two products most shoppers come to it for.
05What is Select-a-Term?
It is Corebridge’s level term life product, issued by American General. Its signature feature is choice: 18 term durations from 10 to 35 years, so you can buy coverage for 23 years if that is what your mortgage needs, instead of rounding up to 25 or 30 and paying for years you do not need.
06What is guaranteed universal life, in plain English?
It is permanent coverage priced for the death benefit rather than for cash-value growth. Pay the scheduled premium and the policy is designed to stay in force for life, even if the cash value inside it is small. People pick it when they want coverage that never expires and do not care about building savings inside the policy.
07I bought my policy from AIG. Is it still good?
Yes. AIG-era life policies were issued by American General Life all along, and that company still holds and services them under Corebridge. The name on the statement changed; the contract, the premium, and the obligation to pay did not. Our Corebridge policy help guide walks through billing and service questions step by step.
08What is Corebridge’s AM Best rating?
American General Life carries a financial-strength rating from AM Best that sits in the agency’s upper tier for paying claims, which is the backing you want behind a decades-long promise. Ratings can change, so confirm the current grade for the exact issuing company at ambest.com before you decide.
09What does the Equitable merger mean for my policy?
In March 2026, Corebridge and Equitable Holdings announced an all-stock merger expected to close by the end of 2026, pending shareholder and regulatory approvals. Corporate combinations change the letterhead, not your contract. Your coverage amount, premium, and beneficiaries stay exactly as written, and state regulators oversee the transition.
10Is Corebridge a good life insurance company?
It is a strong carrier with real advantages: the term-length flexibility of Select-a-Term, a solid guaranteed universal life option, and a century-old issuing insurer behind it. Whether it is the best value for you comes down to how its quote compares to other highly rated carriers for your age and health. A licensed professional on our team can run that comparison in a free policy review.
This is an independent review. Policy Review Center is not affiliated with or endorsed by Corebridge Financial, American General Life Insurance Company, or Equitable Holdings; product and company names are used for identification only. Plan details come from the carrier and can change; confirm current terms with the carrier. Product availability varies by state. Educational only, not tax or legal advice; any coverage changes are completed through licensed insurance professionals.
Keep reading
- American General life insurance review (the century-old insurer that issues Corebridge policies, reviewed on its own).
- Corebridge policy help (billing, beneficiaries, claims, and cancellation decisions for current owners).
- American General policy help (the same practical guide for policies still carrying the AIG-era name).
- Shopping the whole field? Our roundup of the best life insurance companies puts the leading carriers side by side.
- Already covered? Start with a free policy review before you change a thing.
See every option. Then choose.
Start a free review and a licensed professional will compare Corebridge against the broader market for your age and health, and tell you straight which gives you the most.