Pathway Choice
Corebridge Financial
10%
Free W/D
49
States
A fixed annuity that provides guaranteed interest earnings, tax-deferred growth, and protected retirement income for individuals seeking stability and predictable cash flow without stock market risk.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$25,000
Surrender
7 years
Key Features
Guaranteed Interest Rate
Multiple rate periods available; minimum guaranteed rate specified in contractFixed rate of interest locked in for your chosen period (3, 4, 5, or 7 years), with guaranteed minimum rate thereafter
Tax-Deferred Growth
Can result in significantly higher values over 20+ years compared to taxable accountsInterest earnings are not taxed until you withdraw money, allowing more money to stay in the account and compound
Penalty-Free Withdrawals
10% annual limit on penalty-free withdrawalsAfter the first contract year, withdraw up to 10% of the previous anniversary contract value annually without surrender charges
Flexible Income Options
Income can begin as early as 3 years after contract issueConvert your contract value into guaranteed lifetime income payments through annuitization, with options including life annuity, joint and survivor, or fixed period
Minimum Purchase
$25,000 minimum single premiumAccessible entry point for qualified and nonqualified annuities
Issue Ages
Ages 18-85 (7-year) or 18-90 (3, 4, 5-year options)Wide age range for eligibility depending on rate guarantee period chosen
Death Benefit
Protects heirs if you pass awayBeneficiaries receive the greater of contract value or minimum withdrawal value
Withdrawal Charge Waivers
Extended Care waiver terminates at age 86; Terminal Illness allows one partial or full withdrawalWaive surrender charges if you qualify for extended care (90+ consecutive days) or are diagnosed with terminal illness after contract date
Highlights
Guaranteed fixed interest rate that compounds tax-deferred, helping your money grow faster than taxable accounts
Protection from stock market volatility with no market participation or downside risk
Flexible access to your money with penalty-free withdrawals up to 10% annually after the first year
Multiple income options at retirement, including lifetime guaranteed payments and joint survivor benefits
Choice of 3, 4, 5, or 7-year interest rate guarantee periods to match your retirement timeline
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking guaranteed income, principal protection from market downturns, and tax-deferred growth without stock market risk.
Consider Alternatives If
Investors who need immediate access to all their funds without penalties, those requiring high liquidity, or individuals with a short time horizon (less than 3 years).
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