File a Life Insurance Claim with Corebridge Life
Here we explain how to file a life insurance claim with Corebridge Life. Corebridge Life insurance company was previously known as American General Life. The Center for Life Insurance Disputes represents the beneficiaries of Corebridge life insurance claims. New claims, denied claims, delayed claims and other life insurance claim disputes — we’re nationally recognized experts in getting life insurance claims paid.
If you need representation to get your Corebridge Life claim paid contact us for a free consultation.
Please read why the State of California has sued American General Life – now Corebridge Life – for failing to properly notify policyholders that they needed to pay premiums and instead let policies lapse. This has led to an unknown number of valid life insurance policies being cancelled and claims that should have been paid. It’s no too late to act. First read the Complaint allegations against Corebridge Life Insurance Company aka American General Life.
Full Post: State of California Sues American General and Others for Failure to Notify Policyholders
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Here on our website you’ll also find plenty of helpful information, client results and supportive resources.
File a Death Claim with Corebridge Financial Life
- Contact Corebridge Life and inform them of the death. They’ll confirm the policy was active and send you their Claim Form. This will also stop Corebridge Life from billing for premiums.
If they determine the policy was not active on the day the insured died they’ll refuse to provide you with their Claim forms. Just because they say the policy wasn’t active doesn’t mean they’re correct. There are many reasons why the policy may have been active and Corebridge doesn’t recognize it initially. Read: Six Reason Your Contestable Life Insurance Policy May Not be Contestable.
- Get an original Final Death Certificate and mail it to Corebridge Life. They will want an original death certificate, not a copy. These can be purchased from the funeral home. If there is an open investigation about the death by Law Enforcement, or if the County Medical Examiner hasn’t finished determining the Cause of Death, the Final Death Certificate won’t be available. Life insurers won’t pay claims without Final Death Certificates.
- Corebridge Life will ask you to return the Policy. We strongly suggest you maintain a copy in the event there’s a dispute over the claim or who is the correct beneficiary. Read: Wrong Beneficiary.
- Submit the Claimant’s Statement. This form asks for information about the beneficiary such as name, address, social security number and the form of payment requested.
The beneficiary must provide a social security or tax payor number. While most death claims are not taxable, an insurer is still responsible for notifying the IRS a claim has been paid.
- Choose the form of payment you want. Depending on the insurance company and the size of the claim, several different payment options are available:
The most common form is a check made out to the beneficiary. Once deposited, most banks will hold funds for 10 days before making them available.
Another option is to be paid with a checking account set up in the name of the beneficiary. The beneficiary is mailed a check book tied to an account immediately funded with the full death claim. There are two benefits to this form of payment: the money is immediately available, and funds in the account earn a much higher interest rate than banks offer.
A third option, rarely chosen, is to receive regular periodic payments until the full claim amount has been paid.
If your claim is approved you’ll receive your payment 7 to 10 days after the final approval.
If your claim is denied you’ll be given a written explanation why it was denied. Usually, the insurer will refund all the premiums that were paid. You can appeal denied death claims, for this we strongly urge you to contact us to be your appeal representative.
Denied life insurance claims are usually from policies that were less than 2 years old when the insured died. For a full explanation of Contestable Life Insurance Investigations please read: Life Insurance Claim Investigation.
Death claims for policies offered through employers are managed by the Group Life Claims Department
Submitting a claim to Corebridge Life for a group life insurance policy is a little different than individual life claims. For a group life claim you’ll need to contact the employer who sponsored the plan and inform them of the death. Ask that they contact the insurer. They’ll have to contact Corebridge Life and confirm the person was employed and the coverage was in effect on the date of death.
You’ll still need a Claim Form, Death Certificate and Claimants Statement, but all information must go thru the employer and Corebridge Life’s Group Life Claims Department.
COREBRIDGE CLAIM FORMS (click here)
Corebridge Life Claims Department phone number 1-800-445-7862
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