Is my broker right about Term Policies with Living Benefits/Illness Riders?

Hello everyone,

I'm currently in the process of selecting a term life insurance policy and working with a broker who claims to be independent and works with various insurers. However, when I asked for quotes, he only provided quotes from Corebridge (AIG). He mentioned that Corebridge is the only insurer offering living benefits/illness riders in their term policies, implying others don't provide this feature.

I find this hard to believe, as it seems unlikely that other insurers wouldn't offer similar riders. Can anyone shed light on this or share their experiences with insurers offering living benefits/illness riders in term policies?

Additionally, I've come across mixed reviews about Corebridge's customer service. Considering I'm on a work visa in the US and may eventually return to my home country, I'm also concerned about whether the insurance with Corebridge would still be valid abroad.

Any advice or recommendations would be greatly appreciated. Thank you!

submitted by /u/GogoTeja
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