The issuer behind the guarantee.
An annuity guarantee is a promise from one company, sometimes lasting forty years. The product matters less than the balance sheet standing behind it.
| AM Best rating | A (Excellent) |
|---|---|
| Outlook | Stable, affirmed January 2026 |
| Formerly | AIG Life & Retirement, spun off 2022 |
| Issuing entities | American General Life; US Life of NY; VALIC |
| Known FIA | Assured Edge Income Builder |
| Listed | NYSE: CRBG |
Checked against public sources on 19 August 2026. Ratings change without notice — a rating without a date is not a rating.
If you hold an AIG annuity, Corebridge is who stands behind it now
AIG's life and retirement business became Corebridge Financial in a 2022 spin-off, and AIG has since sold down its stake. Contracts are issued by American General Life Insurance Company, The United States Life Insurance Company in the City of New York, and The Variable Annuity Life Insurance Company (VALIC) — those entities, under Corebridge, are the balance sheets behind AIG-branded contracts. AM Best affirmed the group at A (Excellent) with a stable outlook in January 2026, noting recent senior management departures while expecting strategy to hold. Evaluate Corebridge, not the AIG name on your old paperwork.
Three things to understand about Corebridge.
Assured Edge is an FIA with a guaranteed income feature, so read it as two products
Assured Edge Income Builder pairs indexed crediting with a guaranteed lifetime income benefit. The accumulation side follows normal FIA rules — caps and participation rates the carrier resets subject to minimums. The income side runs on its own base and its own charge. Price each half: what does the rider cost annually, and what income does it actually guarantee at your age?
The spin-off history matters for expectations, not for safety
A carrier separated from its parent and now majority-public is a normal, adequately rated company — the A is real and stable. What the history means practically is that branding, product names, and service systems have been in transition. Keep your contract numbers and confirm which issuing entity your contract sits with, because that entity is where the guarantee and the guaranty-association coverage attach.
An A rating in a rate-competitive lineup is a fair middle position
Corebridge prices to compete in the independent channel, and its A sits comfortably above the A-/B++ tier that leads rate tables. As with Protective, this middle band — strong rating, competitive crediting — is where much of the honest annuity shopping actually happens.
How to read any carrier.
Palm Wealth Capital publishes independent annuity research and education. No carrier pays for placement on this site. Nothing here is individualized investment, tax, or legal advice, and no page on this site is a recommendation to buy or avoid any contract. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company.
Holding a Corebridge contract — or being shown one?
Send the illustration or statement. We will check Corebridge’s current AM Best rating and outlook against the date on this page, read the surrender schedule and any market value adjustment, price the riders, and tell you what the guaranteed terms are rather than the illustrated ones. If the answer is that you don’t need it, that is the answer you get — there is nothing here for us to sell you.