What to do when a Corebridge Financial account holder dies
Report the death to Corebridge Financial's Life Insurance Customers at 1-844-452-3832
When an insured person dies, the beneficiary or executor should contact Corebridge Financial's Life Insurance Customers 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 claim process
Follow these steps to file a death claim with Corebridge Financial:
Filing a claim
- $15,000 or less: the claim may be eligible for expedited processing. A claims team member contacts the beneficiary within 24 hours to authenticate identity and discuss what is needed.
- At $15,000 or less, a check is sent within 5 business days after Corebridge receives proof of death.
- More than $15,000: a claims packet with all the forms and information needed goes to all beneficiaries within 5 business days of the first notification, by mail or email.
- Each beneficiary completes and submits their own Claimant's Statement.
- A death certificate where the cause of death is "pending" is not accepted.
- For a foreign death, the certified death certificate comes from the country where the death occurred, translated into English.
- Contestable policy, a death within 2 years of issue or reinstatement: the Medical History section of the Claimant's Statement and a Contestable Beneficiary Questionnaire
- For a contestable policy where the death was by suicide, also a Suicide Contestable Questionnaire
- Death in a foreign country (Canada and U.S. territories are not foreign): a certified death certificate translated into English and a Foreign Death Questionnaire
- For a foreign death, also the Report of Death of a U.S. Citizen or U.S. Non-Citizen National Abroad from the U.S. Embassy or Consulate
- Homicide: the Homicide section of the Claimant's Statement
- Accidental death, on a policy with an Accidental Death Benefit Rider or a Guaranteed Issue Whole Life policy with death within 2 years of issue or reinstatement: the Accidental Death section
- The life insurance policy number, if you have it
- The deceased's name, date of birth, and date of death
- The manner of death (natural, accidental, suicide, homicide, or unknown) and, if natural, a specific cause such as heart attack or lung cancer
- Whether the death occurred in the United States
- Your own name, address, and role in the claim: beneficiary, agent, family member, attorney, funeral home, or other
- 844-452-3832: American General Life and US Life, PO Box 818100, Cleveland, OH 44181, fax 855-601-1834
- 800-633-6259: PO Box 650253, Dallas, TX 75265-0400, fax 855-851-5407
- 800-888-2452: PO Box 818008, Cleveland, OH 44181, fax 844-930-0370
- 800-445-7862: Assured Edge, Fixed, Index and Variable annuities (Mon-Fri 7am-7pm CT)
- 800-424-4990: Direct Traditional Fixed and SPIA/DIA annuities (Mon-Fri 7am-6pm CT)
- 800-448-2542: employer retirement plans (Mon-Fri 7am-8pm CT)
- Claimant's Statement (AGLC180A, titled "Life Insurance Policy Claim"): each beneficiary completes their own; one form can cover several policies
- HIPAA Authorization, enclosed with the Claimant's Statement and signed by the deceased's Personal Representative
- Proof of Death form (AGLC3607-5) where required, completed by a licensed practicing physician, coroner, or funeral director
- The Proof of Death form is only for natural death benefits of $50,000 or less on incontestable policies
- Proof of Heirship Affidavit (AGLC5081) or Affidavit Concerning Custody of a Minor (AGLC108938) in the situations below
- Estate: the administrator or executor completes the Claimant's Statement
- Estate claim over the small estate amount of the state where the policy was issued, or a probated estate: Letters Testamentary or Letters of Administration
- Estate claim under the beneficiary's state small estate amount, with no probate: a Proof of Heirship Affidavit or the state's Small Estate Affidavit
- Trust: the trustees complete the Claimant's Statement and its Certification of Trustee section and give the trust TIN. A copy of the trust is not required.
- With several trustees, each current trustee signs as co-trustee unless the trust lets one act alone; then send the trust pages that prove it
- Minor above the allowable amount for the minor's state of residence: the appointed guardian signs, with Letters of Guardianship for the Estate of the minor
- Minor below that amount: the minor's Custodian signs, and the Affidavit Concerning Custody of a Minor replaces Letters of Guardianship
- Attorney-in-fact: signs the Claimant's Statement with the beneficiary's address and Social Security number, plus an affidavit affirming the POA and a notarized copy of the POA agreement
- Beneficiary's name has changed: a marriage certificate, divorce decree, or court document proving the name change
- Beneficiary now divorced from the insured: both the divorce decree and the property settlement agreement
- Beneficiary has died: a copy of the beneficiary's death certificate or an obituary
- Benefits assigned to a funeral home: a copy of the assignment form signed by the beneficiaries, and a copy of the funeral bill
- PO Box 818100, Cleveland, OH 44181, fax 855-601-1834 (844-452-3832)
- PO Box 650253, Dallas, TX 75265-0400, fax 855-851-5407 (800-633-6259)
- PO Box 818008, Cleveland, OH 44181, fax 844-930-0370 (800-888-2452)
- Overnight, UPS or FedEx only: Corebridge Financial - Production #2, 5575 Venture Drive, Unit D/Dock Door 21, Parma, Ohio 44130
- Assured Edge, Fixed, Index and Variable annuity paper forms: American General Life/US Life, PO Box 15570, Amarillo, TX 79105-5570
- Direct Traditional Fixed and SPIA/DIA paper forms: American General Life/US Life, PO Box 871, Amarillo, TX 79105-0871
- Employer retirement plan paper forms: Corebridge Retirement Services, PO Box 15648, Amarillo, TX 79105-5648, fax 1-877-202-0187
Required Documents
- Claimant's Statement (AGLC180A), one from each beneficiaryThe form's own checklist asks for "A Certified Death Certificate for the insured indicating cause or manner of death" and, for an estate, "a certified copy of their appointment."
- HIPAA AuthorizationSigned by the deceased's Personal Representative. It is enclosed with the Claimant's Statement.
- Obituary, funeral program or bill, Proof of Death form, or death certificate copy, up to $100,000, death 2 or more years after issue or reinstatement, in the US, Canada or a US territoryUp to $15,000 for a natural death, any one of these. From $15,001 to $50,000, the Proof of Death form or a death certificate copy. From $50,000 to $100,000, natural death or suicide, a death certificate copy.
- Certified copy of the death certificate, over $100,000, or a homicide, a death within 2 years of issue or reinstatement, a foreign death, or an accidental death rider claimThe death certificate cannot be returned.
- Original or copy of the policy, if availableIf the policy is not available, note this at the top of the Claimant's Statement.
- Contestable, suicide or foreign death questionnaire, and the Report of Death Abroad, when Corebridge investigates a contestable policy or a foreign deathThe questionnaires come in the claims packet if required. The U.S. Embassy or Consulate gives the Report of Death of a U.S. Citizen or U.S. Non-Citizen National Abroad to the next of kin.
- Trust TIN, and the trust pages giving one trustee authority to act alone, when a trust is the beneficiary; the pages only where one trustee signs for allThe trustees complete the Certification of Trustee section of the Claimant's Statement. A copy of the trust is not required.
- Letters Testamentary or Letters of Administration, estate beneficiary, where the claim is over the small estate amount of the state where the policy was issued, or the estate is probatedIssued by the court of jurisdiction. The administrator or executor completes the Claimant's Statement.
- Proof of Heirship Affidavit (AGLC5081) or the state's Small Estate Affidavit, estate beneficiary, where the claim is under the beneficiary state's small estate amount and the estate will not be probatedThe Proof of Heirship Affidavit comes in the claims packet; the Small Estate Affidavit is the state's form.
- Letters of Guardianship, or the Affidavit Concerning Custody of a Minor (AGLC108938), minor beneficiary: Letters above the allowable amount for the minor's state of residence, the affidavit below itLetters of Guardianship are for the Estate of the minor.
- Marriage certificate, divorce decree, or court name-change document, if the beneficiary's name has changed since the last designationIf the beneficiary is now divorced from the insured, both the divorce decree and the property settlement agreement.
- Copy of the beneficiary's death certificate, or an obituary, if the beneficiary has died
- Funeral home assignment form and the funeral bill, if any benefits are assigned to the funeral homeCopies of both. The assignment form comes from the funeral home, shows the amount assigned, and is signed by the beneficiaries.
- Affidavit affirming the power of attorney and a notarized copy of the POA agreement, when an attorney-in-fact represents a beneficiaryThe attorney-in-fact completes and signs the Claimant's Statement, with the beneficiary's address and Social Security number.
Claims Contact
Website: Online portal →
Forms Corebridge Financial issues5
- Claimant's Statement, Life Insurance Policy Claim (AGLC180A)
Completed by each beneficiary. Available to download.1
- HIPAA Authorization - Life Claims (AGLC100607)
Completed by the deceased's Personal Representative. Available to download.1
- Proof of Death (AGLC3607-5)
Completed by a licensed practicing physician, coroner, or funeral director. Available to download.2
- Proof of Heirship Affidavit (AGLC5081)
Completed by a person who knew the decedent and is familiar with the facts it states. Available to download. Must be notarized.3
- Affidavit Concerning Custody of a Minor (AGLC108938)
Completed by the person with custody of the minor. Available to download. Must be notarized.4
State requirements Corebridge Financial statesFlorida
- Florida
For a death in Florida, the death certificate must be the long version that includes the cause of death.5
Accounts handled elsewhere2
- Instant Access Account
Questions about an Instant Access Account elected for a death benefit1
Phone: 1-888-562-9158
Hours: Monday-Friday 8:00 AM-7:00 PM ET
Mailing address: Instant Access Account, P.O. Box 534025, Pittsburgh, PA 15253-4025
- The Bank of New York Mellon
Drafts written on an Instant Access Account are payable through it1
What Corebridge Financial's agreement and guidance say7
- How proceeds are paid
The Claimant's Statement offers a lump-sum check, proceeds left at interest, an Instant Access Account, monthly payments for a specific period or a specific amount, or payments for life, with or without a guaranteed period. With no option chosen, proceeds are paid by company check.1
The Instant Access Account, a free interest-bearing draft account, is offered for a benefit of $50,000 or more, except to residents of Alaska, Arkansas, Connecticut, Indiana, Kansas, Kentucky, Louisiana, Maryland, New Jersey, Rhode Island and New York. Drafts are $250 or more; it closes below $10,000.1
Payment is made according to the beneficiary's instructions. For a policy of $15,000 or less, a check is sent within 5 business days after Corebridge receives proof of death; allow 3 to 5 days for it to arrive by mail.6
- Dormant and unclaimed accounts
The Claimant's Statement says any value left in an Instant Access Account "may be transferred to the appropriate state authority as unclaimed property if no activity occurs in the account within the time period specified by applicable state law."1
- What it says about taxes
The Claimant's Statement says "any interest provided associated with a death benefit payment is subject to taxation and will be tax reportable annually," and that the interest "will be determined when the claim is paid according to policy provisions and state interest requirements."1
- Who can get account information
Corebridge communicates about a claim only with the beneficiaries, the beneficiary's attorney, the servicing agent, or the funeral home where benefits are assigned to it.6
- Contestability of a recent policy
Corebridge treats a claim as "contestable" if the date of death is within the 2-year period after the policy issue or reinstatement date. These claims take longer because records must be obtained and reviewed from various entities.7
- Payment to a minor or incapacitated beneficiary
If the amount due to a minor is more than the allowable amount for the minor's state of residence, the guardian legally appointed by the state signs the Claimant's Statement. Below it, the minor's Custodian signs.8
- Wills, probate and small estates
The Proof of Heirship Affidavit has the affiant swear the decedent left no will, no administration is pending and no debts are owed. It says: "If the Decedent left a Will and the Will has been or will be probated, submit Letters Testamentary in place of this form."3
Sources8
- 1.Life Insurance Policy Claim (AGLC180A), AGLC180A-Generic Rev0426
- 2.Proof of Death (AGLC3607-5), AGLC3607-5 Rev1122
- 3.Proof of Heirship Affidavit (AGLC5081), AGLC5081 Rev1122
- 4.Affdavit Concerning Custody of a Minor (AGLC108938), AGLC108938 Rev1122
- 5.Forms and documents needed to process a claim
- 6.File a life insurance claim
- 7.Claims requiring an investigation
- 8.Common beneficiary situations and requirements
For most claims, Corebridge reviews and processes the claim within 5 business days once all requirements are received in good order.
Corebridge Financial's Life Insurance Customers can be reached by phone at 1-844-452-3832 and fax at 1-855-601-1834 for questions throughout the claims process.
Sources
Data sourced from Corebridge Financial primary sources (21 pages reviewed). How we research.
Corebridge Financial death claims support
Life Insurance Customers
Phone
Life Insurance Customers - Dallas
Life Insurance Customers - Cleveland
Assured Edge, Fixed, Index and Variable annuities
Direct Traditional Fixed and SPIA/DIA annuities
Employer retirement plans
Instant Access Account
Fax
Hours
Mailing address
Website
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