What to do when a Corebridge Financial account holder dies
Contact Corebridge Financial's Life Insurance Claims & Trust Services — 8-step process, 9 required documents, and beneficiary contacted within 24 hours of notification. for claims up to $15,000, check mailed within 5 business days of receiving proof of death. for larger claims, claims packet sent within 5 business days, then reviewed within 5 business days of receiving all completed requirements. allow 3-5 days for check delivery by mail. overall process typically takes 30-45 days.
Customer Service
Corebridge Financial, PO Box 818005, Cleveland, OH 44181
Life Insurance Claims & Trust Services
Corebridge Financial, PO Box 818005, Cleveland, OH 44181
Death Claims
Corebridge Financial, PO Box 818100, Cleveland, OH 44181
When an insured person dies, the beneficiary or executor should contact Corebridge Financial's Death Claims at 1-844-452-3832 to start the claims process. Insurance proceeds are paid directly to the named beneficiary and do not go through probate. How quickly the claim is processed depends on the policy type, documentation, and cause of death.
Death claims at Corebridge Financial can be started through an online portal, which streamlines the initial notification and document upload. Phone and mail options are also available.
Death claim process
Follow these steps to file a death claim with Corebridge Financial:
Filing a claim
- Claims of $15,000 or less: obituary, funeral program, funeral bill, or death certificate accepted
- Claims of $15,001-$50,000: Proof of Death form or death certificate
- Claims of $50,001-$100,000: death certificate (copy acceptable)
- Claims over $100,000: certified death certificate
- Each beneficiary completes their own Claimant Statement (included in claims packet)
- Include original or copy of the insurance policy if available (note on Claimant Statement if not)
- If trust is beneficiary: trustee(s) complete the Claimant Statement and provide trust Tax Identification Number; copy of trust not required
- If estate is beneficiary: provide Letters Testamentary or Letters of Administration (claims exceeding state small estate threshold) or Proof of Heirship Affidavit (smaller claims)
Required Documents
- Completed Claimant Statement (each beneficiary must submit their own)
- Proof of death (type varies by claim amount -- see steps above)
- Original or copy of the insurance policy (if available; note on Claimant Statement if not)
- Government-issued ID for beneficiary
- Trust Tax Identification Number and trustee signatures (if trust is beneficiary; copy of trust not required)
- Letters Testamentary or Letters of Administration (if estate is beneficiary and claim exceeds state small estate threshold)
- Proof of Heirship Affidavit (form AGLC5081) or Small Estate Affidavit (for estate beneficiaries below small estate threshold without probate)
- Affidavit Concerning Custody of a Minor (form AGLC108938) or Letters of Guardianship (for minor beneficiaries, depending on amount and state threshold)
- Marriage certificate, divorce decree, or court name-change document (if beneficiary name differs from designation)
What to know at this institution
Only one proof of death is required per deceased, even with multiple policies or claimants. Florida death certificates must be the long version including cause of death. Foreign deaths require certified English translation. Death certificates cannot show "pending" as cause of death. Communication occurs only with beneficiaries, their attorneys, servicing agents, or funeral homes. Claims requiring investigation may take additional time; beneficiaries will be notified and kept updated.
Prepare your letter of instruction to Corebridge Financial
Corebridge Financial asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Corebridge Financial requires.
Build your letter of instructionProcessing timelines at Corebridge Financial: Beneficiary contacted within 24 hours of notification. For claims up to $15,000, check mailed within 5 business days of receiving proof of death. For larger claims, claims packet sent within 5 business days, then reviewed within 5 business days of receiving all completed requirements. Allow 3-5 days for check delivery by mail. Overall process typically takes 30-45 days. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by Corebridge Financial includes Completed Claimant Statement (each beneficiary must submit their own), Proof of death (type varies by claim amount -- see steps above), and Original or copy of the insurance policy (if available; note on Claimant Statement if not), along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
An ILIT is an irrevocable trust that owns a life insurance policy. Because the trust (not the insured) owns the policy, the death benefit proceeds are generally excluded from the insured's taxable estate. To set up an ILIT with a Corebridge policy, work with an estate planning attorney to create the trust, then have the ILIT trustee complete the Ownership Change Form (AGLC0013-FLAS / Absolute Assignment) to transfer policy ownership. A 3-year lookback period applies for transfers of existing policies. Spouse signature is required in community property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI).
Each beneficiary must complete their own Claimant Statement (provided in the claims packet). Proof of death requirements vary by claim amount: claims up to $15,000 accept an obituary, funeral program, or funeral bill; claims of $15,001-$50,000 require a Proof of Death form or death certificate; claims of $50,001-$100,000 need a death certificate (copy acceptable); claims over $100,000 require a certified death certificate. Include the original policy if available. Florida death certificates must be the long version including cause of death.
For claims up to $15,000, a check is mailed within 5 business days after proof of death is received. For larger claims, a claims packet is sent within 5 business days of notification, and the claim is reviewed within 5 business days of receiving all completed requirements. Allow 3-5 days for mail delivery. The overall process typically takes 30-45 days to complete.
Annuity death benefit payout options depend on the contract terms and may include a lump sum payment, life annuity with period certain (payments continue to the beneficiary for the remaining period if the annuitant dies before the period ends), joint and survivor annuity (payments continue to the surviving spouse), or period certain annuity (payments for a fixed number of years). The specific options are detailed in the claims packet sent to beneficiaries.
Corebridge Financial's Death Claims can be reached by phone at 1-844-452-3832 and fax at 1-855-601-1834 for questions throughout the claims process.
When the deceased had multiple Corebridge Financial policies, some may need separate claims while others can be handled together. The Death Claims can clarify what's needed for each account type.
Sources
Data sourced from Corebridge Financial primary sources (20 pages reviewed). How we research.
Customer Service
Corebridge Financial, PO Box 818005, Cleveland, OH 44181
Life Insurance Claims & Trust Services
Corebridge Financial, PO Box 818005, Cleveland, OH 44181
Death Claims
Corebridge Financial, PO Box 818100, Cleveland, OH 44181
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