Corebridge Direct Insurance Review

Best for Term Life Policies

A life insurance policy helps to ensure that your loved ones will be taken care of if you pass away. There are multiple types of policies but, generally speaking, they each charge an annual or monthly premium and provide coverage to your named beneficiary when you die.

Corebridge Direct, is a longstanding insurance agency that offers a variety of life insurance products. We found Corebridge Direct to be the best place to shop for term life insurance policies, and it also offers other life insurance products, such as Universal Life and Guaranteed Issue Whole Life policies.

It’s important to shop around and do your research to find the best life insurance plan for you. This insurance review of Corebridge Direct will walk you through the pros and cons, offers and benefits, to help you decide if it’s the right choice for you.

• Corebridge Direct Insurance Pros and Cons
• Corebridge Direct Insurance Products
• Corebridge Direct Credentials
• Cost of Corebridge Direct Insurance
• Corebridge Direct Accessibility
• Corebridge Direct Customer Satisfaction
• Corebridge Direct FAQ
• How We Evaluated Corebridge Direct
• Summary of Money’s Corebridge Direct Review

Corebridge Direct Insurance Pros and Cons

Pros explained

Living benefits

Subject to policy terms and conditions as well as availability, living benefits can allow you to accelerate some or all of the death benefit of your life insurance policy if you need it due to a qualifying illness or condition before you pass away.

Flexible term length options

Term life insurance is a type of life insurance policy that covers a preset term, not the insurance holder’s whole life. Term life insurance policies generally offer higher coverage than whole life policies and can be adapted with riders.

Corebridge Direct can offer term life insurance options with flexible term lengths, which helps you stick to your budget and build a policy that helps to meet your life insurance needs.

With Corebridge Direct, you can choose a policy term between 10 and 35 years. Coverage for a term life policy may be up to +$10m, subject to insurer underwriting.

Same day decisions

Some insurers represented by Corebridge Direct may provide same-day decisions on some policies, such as Guaranteed Issue Whole Life Insurance policies, with no medical exam. If you apply for a no-exam policy with Corebridge Direct, you can have your offer right away.

What is no-exam life insurance? A no-exam policy lets you buy life insurance without visiting a medical examiner or having to provide the medical tests usually required during the underwriting process. All you have to do get started is apply online, talk to an agent, and download the statements and disclosures. Although no-exam insurance is available more quickly than term life insurance which requires an exam, the coverage won’t be as high and is usually more expensive.

Cons explained

Limited No-Exam options

Most policies, like Term Life Insurance, require a medical exam. However, there are a few products, such as Accidental Death and Dismemberment Insurance and Guaranteed Issue Whole Life Insurance, that do not require an exam.

Corebridge Direct Life Insurance Products

Insurers represented by Corebridge Direct offer a range of life insurance products, including term and whole life policies, as well as multiple riders.

Available life insurance plans

Here are a few types of life insurance plans available with Corebridge Direct:

• Term life insurance: Corebridge Direct offers affordable rates and flexible term lengths that range from 10 to 30 years, in five year increments. Due to its customizable options and affordability, term life insurance is a popular choice for many consumers.
• Final expense insurance: Final expense insurance works to provide help for family members to cover costs associated with funerals and interments. Corebridge Direct offers guaranteed acceptance coverages in modest amounts, though benefits are limited in the first 2 policy years.
• Universal life insurance: This is a type of life insurance plan that offers, in addition to a valuable death benefit, a cash accumulation value component that may grow over time on a tax-deferred basis.

Additionally, some life insurance policies offered through Corebridge Direct are available for people as old as 80.

Insurance riders

A rider is an add-on option that you can use to customize your insurance policy. Some policies of insurers represented by Corebridge Direct offer a range of insurance riders, including:

• Waiver of premium: This rider will raise the cost of your premium but ensures that the premium will be waived if you become disabled.
• Child term: This rider provides a death benefit in the unfortunate event that your child dies.
• Accidental death benefit: An accidental death benefit rider provides additional death benefits for your loved ones in case of a tragic accident.
• Accelerated death benefit (ADB): This rider is also known as a living benefit and allows you, subject to policy terms and conditions, to access some or potentially all of your life insurance death benefits before you pass away if you are certified with a qualifying illness or condition.

Limitations

All insurance companies have their own limitations and underwriting rules.

Some insurers represented by Corebridge Direct offer fully-underwritten coverages requiring medical exams, while others offer coverage without requiring a medical exam, although those options are limited.

Coverages offered through Corebridge Direct may have age requirements or other policy limitations for smokers and people with pre-existing health conditions.

Corebridge Direct Credentials

Founded in 1995, Corebridge Direct is an established insurance agency licensed in all 50 states and the District of Columbia. There are plenty of Corebridge Direct life insurance reviews online — some more positive than others. The best way to get to know a company is to look into its credentials from unbiased reviewers.

Financial strength ratings

American General Life Insurance Company and US Life Insurance Company, the major insurers represented by Corebridge Direct have an A+ rating from AM Best, an independent reviewer that scores companies based on their financial strength.

A high financial strength rating can give Corebridge Direct customers confidence that the insurance company is currently on a strong financial footing.

Cost of Corebridge Direct Life Insurance

There are a variety of factors that determine the cost of your life insurance plan, including, but not limited to, your age, gender, health condition, and location. Corebridge Direct offers competitive prices for term life insurance policies. Talk to an insurance agent to get a quote from Corebridge Direct.

Accessibility

There’s more to the value of an insurance plan than just the financial cost — you should also consider the time and energy it takes to access information about your policy and how quickly coverage starts.

Contact information

Contacting Corebridge Direct for a quote is fairly easy. Just fill out an online form and wait for an insurance agent to contact you. If you know exactly what you are looking for, you can also purchase a policy directly online using their DIY tool. You can also call and speak to one of their life insurance agents directly.

User experience

Corebridge Direct’s user experience is reliable. Most customers report that their family’s policies are clear and pay out as expected. However, receiving a quote and waiting for the underwriting process is a little slower with Corebridge Direct than it is with other companies.

Corebridge Diret Customer Satisfaction

Corebridge Direct isn’t at the top of our life insurance reviews for its customer satisfaction. Here are a couple of factors to consider:

Customer complaints

Corebridge Direct holds an A+ Rating with the Better Business Bureau.

According to the NAIC, Corebridge Direct’s life insurance company receives nearly three times the average amount of customer complaints. Most of those complaints are related to slow customer service and response times.

How we evaluated Corebridge Direct

We evaluated Corebridge Direct by comparing it to other life insurance agencies based on a few crucial features including:

• Policy options
• Accessibility
• Customer satisfaction
• Credentials
• Value

Summary of Money's Corebridge Direct Life Insurance Review

All things considered, is Corebridge Direct a good insurance agency? Yes, but it depends on what you’re looking for.

Corebridge Direct is great for buying Term Life Insurance policies, with coverage potentially up to +$10m. Term life policies require a medical exam. As far as insurance without a medical exam, it also offers quick no-exam policies from insurers that may provide same-day answers.

If you think Corebridge Direct is right for you, you can request a life insurance quote online to get in touch with an insurance agent right away.