Term Life InsuranceTerm Life Insurance
Corebridge FinancialCorebridge Financial
Two distinct term products — one built for pure value, one built for living benefits.
Corebridge Financial
Two distinct term products — one built for pure value, one built for living benefits.
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: QoL Flex Term is one of the most comprehensive living benefit policies on the market, covering terminal, chronic, and critical illness with a combined lifetime maximum up to $2 million — the highest living benefit cap among major carriers. Select-a-Term is Corebridge's pure-protection product, offering highly competitive premiums and any annual term length from 15 to 30 years, but limited to a terminal illness rider only. Both products offer AU+ accelerated underwriting for eligible applicants ages 20–59 seeking $1M or less.
FindInsureWise's Take
Corebridge is FindInsureWise's most commonly prioritized carrier for term life with living benefits. The QoL Flex Term carries the highest living benefit cap in the market ($2M lifetime), covers all three illness types, and allows any annual term from 10 to 35 years. For families where living benefits are the priority, QoL Flex Term is the default recommendation. Select-a-Term is a strong pure-death-benefit option when budget is the primary constraint.
Strengths
- QoL Flex Term: highest living benefit cap in the market — $2M combined lifetime maximum
- QoL Flex Term: all three riders included — terminal, chronic, and critical illness — at no added premium
- Both products: any annual term from 15–30 years (plus 10 and 35) for precise matching to financial obligations
- AU+ accelerated underwriting: no-exam available for ages 20–59, up to $1M
- QoL Advantage multi-policy discount for households covering multiple family members
Considerations
- Select-a-Term includes only a terminal illness rider — not recommended if comprehensive living benefits are the priority
- AU+ is not available if total Corebridge inforce + applied-for coverage exceeds $1M
- A (Excellent) rated — strong, but one tier below A+ Superior competitors
QoL Flex Term
Not just death coverage — access your benefit if you get seriously ill.
Product Details
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
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.