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Corebridge Direct Life Insurance Review
Corebridge Direct Life Insurance Review
June 24, 2024 / Katy Ward
Corebridge Direct Life Insurance Review
June 24, 2024 / Katy Ward
Up to $250/K Coverage from $13/mo
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Overview

With a broad selection of policy types available, Corebridge Direct has provided life insurance to thousands of families since it was founded in 1995. Its key offering includes term life policies with lengths of up to 30 years, as well as permanent life insurance options.

Although the company requires you to undergo a medical exam on most plans, it provides quotes online or with the personalized support of a licensed agent.

Pros

  • Wide range of Life Insurance policies
  • Customized support from licensed agents
  • Simple online quoting tool available
  • Options to purchase policies online or by phone

Cons

  • 24/7 customer support not available
  • Need to undergo medical exam for most policies

Suitable For?

One of the advantages of Corebridge Direct’s model is that you can build your coverage yourself online or with personalized guidance from its agents.

With online life insurance buying options, you can receive quotes and choose a policy based on information you provide about your coverage needs, health, and lifestyle. This could be a good choice, if you are already familiar with life insurance products and feel confident in selecting the right policy for you.

In contrast, you can work directly with one of the company’s agents to find a plan that fits your circumstances. This approach could be more suitable if you have complicated circumstances or need assistance with customizing your life insurance coverage.

Features/Highlights

Corebridge Direct offers a wide selection of life insurance products, including Term Life, Guaranteed Issue Whole Life and Universal Life Insurance. A few highlights for Term Life Insurance include:

  • Terms of between 10 and 30 years
  • Up to $250,000 in term coverage from $13 per month (male/female age 35)
  • Medical exam required
  • Term Life is generally less expensive than permanent life insurance products
  • Options to renew or convert to a permanent policy available


Policy Types and Terms Available

Corebridge Direct offers the following types of life insurance:

Term: Up to $10 million, with terms between 10 and 30 years

Universal: Potential to convert a Term Life Policy into a Universal Life policy at a later stage

Guaranteed Issue Whole Life: Up to $25,000 in coverage for those aged 50-80. No medical exam required.

You can also add a Living Benefits rider to your coverage. This will offer you up to $2 million in benefits to cover unexpected life events.

Application Process


You can receive a free quote over the phone or through the company’s online tool. To do so, you’ll need to provide the following information:

  • Age/height/weight
  • Nicotine usage
  • Marital status
  • Past and present medical information
  • The level of coverage you need
  • Mortgage size

You’ll then either see a selection of quotes for different policy types or receive a call from one of the company’s agents. In most cases, this call should last under 10 minutes and the agent will then suggest a policy to fit your needs.

Note, Corebridge Direct will require you to take a medical exam before you buy life insurance on most of its policies and will use these results to determine the amount you pay for your insurance. A qualified nurse will conduct the exam, and you can choose the date and location.

Overall, we found the process of using the company’s online quote tool extremely straightforward and received quote information in approximately 3 minutes.*

*All prices quoted are non-binding, and the ultimate premium amount for any policy is determined by the underwriting insurance company following application.

How Safe Is It?

Launched in 1995, Corebridge Direct is a trusted agency within the life insurance industry. The company is accredited by the Better Business Bureau (BBB) and has an A + rating.

In terms of cybersecurity, the company uses SSL encryption in its application process. This will ensure a secure connection between your device and Corebridge Direct’s servers when you enter your personal information.

Help and Support

You can contact Corebridge Direct through live chat or over the phone if you have a question or concern about your policy. Support hours will depend on the type of query you have:

Sales: 6am-6pm (PT), Monday-Friday; 7am-4pm (PT), Saturday

Customer service: 7am-5pm (PT), Monday-Friday

Corebridge Direct also has a detailed selection of online articles and product guides on its website. These cover topics such as the process for making a life insurance claim and guidance on choosing a beneficiary.

It also offers a life insurance calculator, which can help you determine the amount of coverage you may need.

Corebridge Direct at a Glance

Corebridge Direct offers a broad selection of life insurance products, with flexible terms and coverage limits of up to $10 million. Likewise, it offers riders if you’re diagnosed with a terminal or life-limiting condition, as well as specialist policies for seniors and those wishing to cover end-of-life expenses.

If you’re looking for reliable coverage and a personalized life insurance plan, then Corebridge Direct may be suitable for you.

Physical Address

9640 Granite Ridge Drive,

Suite 200

San Diego, CA 92123

858-309-3000

Get started now, visit Corebridge Direct
By Katy Ward
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.