Corebridge Financial term life insurance coverage overview

Term Life Insurance

Corebridge Financial

Two distinct term products — one built for pure value, one built for living benefits.

Corebridge Financial

Corebridge Financial

Two distinct term products — one built for pure value, one built for living benefits.

AM Best A (Excellent)· Stable
Est. 2022Houston, TX

About Corebridge Financial

Corebridge Financial (formerly AIG Life & Retirement) spun off from AIG in 2022 and is one of the largest U.S. insurance and retirement services providers, with over $350 billion in assets. Corebridge offers two distinct term life products — one optimized for pure death benefit cost, the other for comprehensive living benefit coverage — giving advisors precise tools for different client needs.

QoL Flex Term

Not just death coverage — access your benefit if you get seriously ill.

Product Details

Term Lengths10, 15–30 (any annual duration), 35 years
Living Benefit CapLifetime maximum up to $2M
Covered ConditionsTerminal · Chronic · Critical
No-Exam Up ToUp to $1M via AU+ (ages 20–59)
Conversion OptionTo end of level-premium period or age 70

Key Features

Industry-Leading Living Benefits

One of the most generous living benefit riders on the market. Built-in QoL Accelerated Benefit Riders cover chronic, critical, and terminal illness with a combined lifetime acceleration maximum of up to $2 million — at no additional premium.

AU+ Accelerated Underwriting

Applicants aged 20–59 applying for up to $1M may qualify for approval through a phone or online questionnaire — no blood draw required.

QoL Advantage Multi-Policy Discount

Enroll family members or bundle with other QoL products to receive volume discounts and waived policy fees — rewarding households that protect everyone.

Best For

Anyone who fears being left alive but unable to work — this policy doubles as an emergency fund if serious illness strikes.

Select-a-Term

Maximum coverage for your budget — every dollar goes toward protection.

Product Details

Term Lengths10, 15–30 (any annual duration), 35 years
Minimum Coverage$100,000
Living Benefit CapUp to 50% of death benefit (24-month terminal illness)
Covered ConditionsTerminal illness only
No-Exam Up ToUp to $1M via AU+ (ages 20–59)
Conversion Option10-yr: prior to month 96 · >10-yr: prior to month 120 or age 70

Key Features

Highly Competitive Pricing

One of the most popular pure term products on the market. Stripped of complex add-ons to deliver the lowest possible premium for straightforward death benefit coverage.

Any Term from 15 to 30 Years

Go beyond the standard 10/20/30 options. Choose any term from 15 to 30 years in annual increments — 17, 22, 28 years — perfectly matching your mortgage payoff date or the year your youngest child finishes college. A 35-year option is also available.

AU+ Accelerated Underwriting

Applicants aged 20–59 applying for up to $1M may qualify for approval through a phone or online questionnaire — no blood draw required.

Best For

Budget-conscious buyers who want maximum coverage at minimum cost, or anyone with a specific debt timeline who needs an exact term length.