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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.
 
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How Do We Rate Corebridge Direct?

Breakdown

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

Our 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
https://www.corebridgedirect.com/
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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K
Kayla
10/10/2019
I went through an insurance agent who connected me to AIG for life insurance on the house. When I realized we couldn't meet the monthly payment anymore, they told me my agent had to cancel it and that I, the policy holder, could do nothing. I originally wanted to switch it to a cheaper monthly plan but they said I would have to wait a whole year before doing that. What kind of business goes by rules like these?? Since they didn't want to take my money at all, I decided to cancel permanently and go elsewhere. I thought they would at least refund me the first monthly payment since I was only with them for one month, but they wouldn't even do that. I'm VERY disappointed in AIG and the fact... Read More

S
Sabumnim50
5/22/2019
BEWARE!!! I had a 15 year term policy that was EFT’d from my account every month for $104.00 that’s approximately $18,720.00. January of 2019 my policy ended and was terminated. I then found out that US Lifef/AIG had been debiting my account for $2617.94 per month with out my permission. When I called they told me that as per my policy automatically renewed at the new at this new rate EVEN WITH OUT MY EXPRESSED PERMISSION. $10,471.76. BEWARE OF THIS SCAM.

Chad W
5/16/2019
My ten year policy was set to expire. I received a letter stating the premiums would drastically increase if I did not renew or cancel. I called 30 days in advance to cancel the policy. The customer service representative stuttered and stammered and placed me on hold several times. After a time, he confirmed that the policy was canceled. Fast forward 30 days, and my account was hit for the higher premium. I called customer service again and again. Even though the problem was clearly their fault, customer service was very unconcerned. I called back a few times to speak to incompetent "customer service" representatives. The problem is not resolved, and I have no confidence in this... Read More

Latoya A
3/1/2019
Took out a policy for my husband..brand new customers, I'm in the process of getting mines but just had a very cold and unfriendly encounter with Jennifer Lee, first impressions are lasting..the initial pre screening to get blood work etc was also an unfriendly and cold encounter..why the heck will I even bother..forget it..I have another pending policy with william penn..I'll take their own even if it's more money, at least their staff had better attitudes..

T
TJ
1/28/2019
The company took out my bank account twice causing me to have 105.00 dollars in overdraft fees,. Having to cancel plans and now I have to wait for them to send me a check. Not counting the overdraft fees, that I have to dispute. I'm very disappointed in there service.

Jorge T
10/4/2018
Very poor customer service. I had to deal with them because I had Geek Squad and this was the company to pay out for damages. Waste of money and time! They will say what they want not to pay out, and you get a run around on the phone.

C
Crystal
8/27/2018
Very poor customer service. My husband got insurance through his job. He died 20 years ago. They paid death within with 6 months which was ok. It was a policy for the family. I paid premiums for 2o years, it took me all 20 to get the poiicy in my name. The hold up was clerical error on their side. . My son and my husband had the same first name only. The service agents don't speak clear English. It takes eternity for everything. You have to call a month to get clear English representives. They will make up anything to tell you. Getting the correct answer to your questions is s treasure hunt. Big business don't care they just rake in the money. I thought they would... Read More

S
Sarah M
12/13/2017
This insurance company is the worst for posting payments on time. They do not have good customer service. They had local agents were easier to deal with but when they closed the local office in FarmVille that was the worst thing that they could have done. My mom has insurance with them and I pay on time each month and they still say that she is 2 to 2 payments behind. I have submitted receipts showing payment submitted and they up date and start the same past due notices again. They need AR persons that know what they are doing. The threats to cancel insurance on an aging person is not a good thing. Open a local office for accepting insurance payments if you are that great.

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