The statement in your mailbox says Corebridge Financial. The policy in your file cabinet says AIG, or American General. Same coverage, three names, and nobody sat down with you to explain it.
Here is the honest answer: yes, you can get independent Corebridge policy help, and you can get it from someone who is not trying to sell you anything. We are Policy Review Center, an independent review service. We are not Corebridge Financial and we are not affiliated with it. We just read policies for a living, including the AIG and American General policies now serviced under the Corebridge name, and tell people in plain English how theirs works and what their options are.
Have a Corebridge policy question? A free, no-pressure conversation with a licensed professional who will read it with you in plain English.
Getting help with a Corebridge policy
Yes, you can get independent help with a Corebridge policy, and it does not have to come from Corebridge itself. There are two kinds of help available. One is the carrier’s own service line, which you reach using the number on your most recent statement. The other is an independent review, which is what we do.
Here is the difference, in plain terms. What we are: an independent service that reads your policy with you, explains how it works, and helps with the day-to-day tasks like billing questions, beneficiary changes, and reaching the carrier when you cannot get through. Because of the volume we do with over 20 A-rated carriers, we have direct contacts at every carrier we work with. What we are not: we are not Corebridge Financial, we are not affiliated with it, and we are not here to talk you into replacing anything. We name Corebridge only to be clear about whose policies we can help you read.
One more thing worth knowing up front. Corebridge sells term coverage under the Select-a-Term name, permanent coverage including guaranteed universal life, and final expense policies, per corebridgefinancial.com. If your paperwork says American General rather than Corebridge, the same help applies, and we keep a separate guide on American General policy help that covers that side of the family in detail.
Common reasons people call about a Corebridge policy
Most calls come down to one of a handful of everyday tasks. None of them require you to know insurance jargon. Here are the ones we see most, and what each one usually involves.
| Reason people call | What it usually involves |
|---|---|
| Who services my policy now | Confirming an AIG or American General policy now lives under Corebridge, and coverage is unchanged |
| Billing and payments | A missed or duplicate draft, a paid-through date, switching how you pay |
| Beneficiary changes | Adding, removing, or updating who receives the death benefit |
| Finding a lost policy | Confirming a policy is in force when the paperwork is missing or still says AIG |
| Claims and death benefits | Filing a claim and getting the payout to the named beneficiaries |
| Cash value and policy loans | What a permanent policy has built and what you can borrow or withdraw |
| Keeping or replacing coverage | Whether your current policy still fits, in plain terms |
The most common reasons Corebridge owners ask for help. What applies to you depends on your policy type and terms.
A note on the name changes in particular, because that is the question we hear first. One policy can carry three names in its paper trail: AIG on the original packet, American General Life Insurance Company on the contract page, and Corebridge Financial on the current statement. All three point to the same coverage. American General has issued these policies all along; Corebridge is simply the name of the company it belongs to since the 2022 spin-off. Nothing about the death benefit, the premium schedule, or the beneficiaries changed because of the rebrand. If your statement does not read the way you expect, a policy review can trace the whole chain in one sitting.
Need a hand with one of these? A licensed professional can read your Corebridge policy with you and reach the carrier on your behalf. Free, no pressure, no obligation.
Before your review: what to have ready
A two-minute prep makes any call faster, whether you are calling the carrier or booking a review with us. Having a few details in front of you means the person on the other end can pull up the right record and answer the actual question instead of asking you to call back. Here is what helps:
- The policy number. It is on your statement, your premium notice, or the original policy packet. It carries over from the AIG days, so an old document works.
- The insured’s name and date of birth. The insured is the person whose life the policy covers. The carrier uses this to verify the record if the policy number is missing.
- A recent statement or premium notice. This shows the status, the paid-through date, the premium, and on a permanent policy the current cash value.
- Any claim documents, if you are calling about a death claim. A certified death certificate and the policy information are the two things the carrier needs to start.
Thinking about canceling a Corebridge policy? Read this first
Before you cancel anything, it is worth knowing that canceling outright is usually the option that keeps the least value. There are several middle paths that hold on to part of what you have already paid for. On a term policy like Select-a-Term the list is shorter, since there is no cash value, but on a permanent policy every row below is worth a look. Here they are, side by side.
| Alternative | What it does | When it tends to fit |
|---|---|---|
| Reduced paid-up | Stop paying premiums and keep a smaller, fully paid policy | You want to stop paying but keep some coverage (permanent policies) |
| Policy loan | Borrow against the cash value instead of canceling | You need cash but want the policy to stay in force |
| Lower the face amount | Keep the policy but reduce the death benefit and the premium | The premium is the problem, not the coverage itself |
| 1035 exchange | Move the value tax-free into a different policy | A different policy fits better and you want to keep the value |
| Keep what you have | Make no change at all | The coverage still fits your life and beneficiaries |
Alternatives to canceling outright. Availability and terms vary by policy and carrier; a licensed professional can confirm what your contract allows.
And here is the part worth saying plainly. If your Corebridge coverage still fits your life, the amount still matches what your family needs, and your beneficiaries are current, the right move is often to keep exactly what you have. That is the keep-what-you-have framing, and we mean it. A review that ends in "keep your policy" is a successful review. The alternatives above, including a surrender or a 1035 exchange, only make sense when the policy no longer fits, and a licensed professional can tell you which case you are in.
How a free policy review works
A review is a short, no-obligation conversation. There is no cost and no pressure to change anything. It is three steps.
- 1.You bring what you have. The policy number, a recent statement, and your questions. Old AIG or American General paperwork counts. If you only have part of it, that is fine. We start from wherever you are.
- 2.A licensed professional reads it with you. They explain how your Corebridge policy actually works, confirm the amount and beneficiaries still match your life, and answer the question that prompted the call.
- 3.You decide. You hear plainly whether to keep it, adjust it, or look at options. The decision is always yours, and "keep what you have" is a perfectly good outcome.
Curious how the carrier itself stacks up? Our roundup of the best life insurance companies gives you the bigger picture on how we size up carriers. If your question is about the tax side of a payout, our guide on whether life insurance is taxable covers the general rules in plain English.
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Get a plain-English read on your Corebridge policy.
A licensed professional will read your policy with you, sort out the billing, beneficiary, claim, or cash value question, and tell you plainly whether to keep it, adjust it, or look at options. We are independent, not Corebridge, and if your coverage is on track you will hear exactly that.
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Questions people ask about Corebridge policy help
01Is my AIG life insurance policy still good now that it says Corebridge?
Yes. Corebridge Financial is the former AIG Life & Retirement business, which became its own company in 2022. The rebrand changed the name on your mail, not the contract you own. Your death benefit, premium, and beneficiaries are exactly what your policy says they are. If you want a second set of eyes on the paperwork, a licensed professional can read it with you.
02Who do I pay now, AIG or Corebridge?
You pay whoever your most recent statement tells you to pay, which now carries Corebridge branding. The company actually issuing most of these policies is American General Life Insurance Company, which is part of Corebridge (in New York it is The United States Life Insurance Company). If your premium drafts automatically, the transition usually required nothing from you. If you mail checks, follow the current premium notice.
03What happened to VALIC?
VALIC, the retirement and annuity side many teachers and hospital workers know, moved into Corebridge along with the rest of the former AIG Life & Retirement business. Retirement accounts are handled by the Corebridge retirement services side, while life policies run through the life side. If you hold both, they are separate contracts with separate service teams.
04How do I change the beneficiary on a Corebridge policy?
You submit a beneficiary change request to the carrier, usually a short form with the insured’s name, the policy number, and the new beneficiary details. Only the policy owner can make the change. We help our clients complete and file these requests so they go through correctly the first time, which matters most when the policy has passed through a name change.
05Can I cash out or borrow against a Corebridge policy?
It depends on the type. Term policies, including the Select-a-Term line, have no cash value, so there is nothing to borrow or cash out. Permanent policies such as guaranteed universal life may build cash value you can borrow against or withdraw, subject to the contract. A review tells you exactly what your specific policy allows before you make any move.
06Should I cancel my Corebridge policy?
Often the answer is no, at least not before looking at the alternatives. Lowering the face amount, taking a reduced paid-up option on a permanent policy, or using a 1035 exchange can hold on to value you would lose by canceling outright. If the coverage still fits your life and your beneficiaries are current, keeping it is usually the right call. A free review lays the choices out plainly.