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Corebridge Direct
Life Insurance Review


ConsumersAdvocate.org Rating: 5 / 5 (Excellent)
18 Customer Comments & Reviews - see all comments
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Corebridge Direct, formerly AIG Direct, has been a leading provider of term and whole life insurance since 1995. The company, which is headquartered in San Diego, California, holds an A+ rating with the Better Business Bureau.

How is Corebridge Direct rated?

Breakdown

5.0/5
Company Stability
5.0/5
Reputation
5.0/5
Policies & Coverage

Overall Rating: 5 / 5 (Excellent)

Corebridge Direct is an insurance agency offering customizable life insurance plans, so customers can adjust their policies as their needs change over time, as well an excellent value through integrated living benefits at no additional cost.





Corebridge Direct is a subsidiary of American General Life Insurance Company (AGL) and an affiliate of The United States Life Insurance Company in the City of New York (US Life). In addition to offering coverage from AGL and US Life, Corebridge Direct offers policies from a number of unaffiliated insurance companies.





From term and whole to universal and guaranteed-issue life insurance, many customers will find an insurance product that suits their needs and budget among Corebridge Direct's wide product selection.

Financial Strength

Key Details

Underwriter
American General Life Insurance Company (AGL), Houston, TX and The United States Life Insurance Company in the City of New York
Standard & Poor's Financial Rating
A+
Moody's Financial Rating
A2
AM Best Financial Rating
A

Company Stability - 5 / 5

As a subsidiary company and Agency, Corebridge Direct is not separately rated by the usual credit rating services. However, the companies that underwrite Corebridge Direct's policies, American General Life Insurance Company (AGL), Houston, TX and The United States Life Insurance Company in the City of New York (US Life) receive positive ratings of Good, Strong, and Excellent from A.M. Best, Moody's, Fitch, and Standard & Poors.



Financial stability is especially important when choosing a life insurer since claims under the policy are often not made until many years--or several decades--have passed. Corebridge Direct offers policies from reputable insurance companies with long-standing histories and strong ratings, so that customers can feel confident in the companies' ability to pay claims when the time comes.



Last updated July 21, 2022. Ratings are subject to change at any time. Ratings outlooks: S&P, Stable, Moody’s, Stable; A.M. Best, Stable. Note: Standard & Poor’s 21 ratings are a measure of claims-paying ability and range from AAA (Exceptionally Strong) to R (Regulatory Action). Moody’s Investors Service’s 21 ratings are a measure of financial security and range from Aaa (Exceptional) to C (Extremely Poor). A.M. Best’s 15 ratings are a measure of claims-paying ability and range from A++ (Superior) to F (In Liquidation). While ratings can be objective indicators of an insurance company’s financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees of the future financial strength and/or claims-paying ability of a company and do not apply to any underlying variable portfolios, where applicable.

*The above information reflects the market share, premiums, and financial strength of the issuer of the Corebridge Direct life insurance policies: American General Life Insurance Company (AGL), Houston, TX and The United States Life Insurance Company in the City of New York .

Reputation & Customer Experience

Customer Ratings

BBB Rating
A+
Date Collected
2024-07-02

Reputation - 5 / 5

Corebridge Direct holds an A+ Rating with the Better Business Bureau and has been accredited with the BBB since 2009. Corebridge Direct has responded to the complaints made to the Better Business Bureau and appears to be making efforts to address such complaints and, where warranted, to provide timely resolutions. This is something that many large companies simply don't do; in our view, Corebridge Direct is to be commended for its customer engagement.

Corebridge Direct Policies

Corebridge Direct offers customers the following life insurance policies: Term, Whole Life, Universal Life, Guaranteed Acceptance/ Final Expense.

Term Life Insurance

Maximum Age
80
Available Terms
10 year
15 year
20 year
25 year
30 year

Key Term Policy Features

  • Term-Permanent Conversions
  • Guaranteed Level Premiums

Policies & Coverage - 5 / 5

Corebridge Direct offers a variety of flexible and affordable policies including whole, term, permanent, universal and quality of life, it also offers guaranteed issue insurance, which provides coverage for individuals between the ages of 50 and 80 without the need for a medical exam to qualify.



Corebridge Direct's term life insurance options range from 10 to 30 years and their products feature a wide array of choices such as fixed rates, refundable premiums, guaranteed renewability, and the ability to convert the term coverage into a permanent policy. Corebridge Direct has no maximum payout so long as a consumer can qualify based on its underwriting guidelines.

Flexibility and Available Riders

Available Term Life Riders

  • Child Protection Rider
  • Accidental Death Benefit Rider
  • Waiver of Premium Rider
  • Disability Income Rider

Available Carriers

American General Life Insurance Company (AGL), Houston, TX and The United States Life Insurance Company in the City of New York, as we as other unaffiliated third-party carriers.

Flexibility & Available Riders - 4.8 / 5


Additional Company Information

Homepage URL
Company Phone
(858) 309-3000
Headquarters Address
9640 Granite Ridge Dr #200, San Diego, CA, 92123
Year Founded
1995

DISCLAIMER

The above information reflects the market share, premiums, and financial strength of the issuer of the Corebridge Direct life insurance policies: American General Life Insurance Company (AGL), Houston, TX and The United States Life Insurance Company in the City of New York .

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18 Customer Comments & Reviews

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carol.sue.bryant
4/24/2023
If I could give a minus rating I would. It has been 9 months since my father passed away. Today is my father’s birthday and we are still yet to receive less than $3k in insurance. We have been told numerous of lies and the “check is in the mail”. We can’t even get a copy of the policy because it was lost due to a water damage problem. I’m told after 6 months that the request is still being reviewed. Don’t trust this company with your finally arrangements. You will only add to your family’s stress of your loss.


H
Hoyt P
2/15/2023
Stay away from AIG! My father passed away 7 months ago and I would submit negative stars if I could. I’ve called and the representatives have been less than helpful. I’ve emailed, faxed and spent $86.25 in overnight mail fees sending change of ownership forms and death certificates. I’ve followed directions to get life insurance policies that my father had on me switched over into my name and after 7 months I’m still waiting. I will be withdrawing these policies asap… no way will I ever recommend AIG. The absolute worst customer service experience I’ve ever had. I sat on the phone with them for another 2hrs today and I have to wait 3 more business days for a manager to call me so I can... Read More


koniecznyarmyfam
2/9/2023
I've been trying for months to get the claim paid for my husband's death. They keep saying they don't have a certified copy of the death certificate but I have sent it twice. My husband and I paid on these policies for 43 years and we just assumed they would honor the policies that they issued. Silly me - thinking they would do the honorable thing. I plan to see a lawyer to make them see things my way!


luluyaya63
2/16/2022
The previous page, says you insure people up to age 85, but it won't let me get a rate, because I am 76??


Cari S
5/4/2021
Terrible Claims Service. I have been trying to get the payout on my father's life insurance for months now and they keep saying the actual court stamped documentation for the Estate is not efficient. Their claims examiners need to go to law school or be taught that every jurisdiction paper work is different and it is not a one size fits all. In addition, to speak with a claims examiner that makes these determinations (again not a lawyer) you can't call until after 11:30 a.m. CT because that is when they actually start "work". Seriously? What type of business does not start work until 11:30 a.m. CT. And, you cannot get a direct line to the claims examiners and have to call the main... Read More


J
Jennifer
4/21/2021
AIG is a SCAM. My rate for them below negative zero. They never provided me my policy contract and yet they keep on charging on my bank for almost a year.I tried to call customer service several times but to no avail. I called my bank to stop the payment.Look for a legit insurance company. AIG is a SCAM


Jeremy D
9/9/2020
Requested a rollover form (to transfer account out of AIG) multiple times over several weeks. Never received the form after numerous requests, multiple times confirming my address, confirming they sent the form, etc. Customer service representatives are either liars or incompetent. Not a good sign if you want these people to be responsible for your financial well being. Terrible service and terrible firm. Now I have to resort to putting request in writing (for a simple form), documenting people I spoke with on phone, creating a paper trail (all for a simple form). You've been warned!


htold7
5/10/2020
Do not deal with AIG!!. On Jan 31, my wife and I - both seniors - were informed that our Asian cruise was changing course, so we purchased a flight back to Canada via EVA and just to be safe, we spend an additional $140 for cancellation insurance from AIG through Expedia Singapore. When our cruise line again changed the date of disembarkation due to the COVID 19, I immediately cancelled our EVA flight on Feb 1st, (one day after booking the flight). One would think that with the protection of "cancellation insurance", it should be no problem getting back the $600 that EVA did not reimburse us for. Not with this ripoff insurance company - AIG refused to reimburse us for this... Read More


emilybruce3905
4/22/2020
Their insurance fraud team is the best. Such honorable guys that are always there to give you security and service.


D
Daniel R
1/22/2020
receined notice that my policy would be cancelled for non payment. Bill was paid ontime and I hve a cancelled check!!! It was sent automatically by my bank. Was on hold for 1 hour and twenty minutes. Check was sent on 1/3/20 and AIG did not post till 1/21 and sent me notice of overdue and grace period. Someone over at AIG is not doing their job. After waiting over 40 min with robo phone system told to call another number. Waited additional 40 min to talk to someone named Phil who verified everything was in order. Just waisted 1.5 hours of my day.



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