American Pathway Fixed 4 Annuity
Corebridge Financial
4.4%
Best Rate
5%
Free W/D
49
States
A single-premium fixed annuity that guarantees your initial interest rate for four years and protects your principal with a 87.5% minimum withdrawal value. It's designed for people nearing or in retirement who want predictable income and downside protection.
Free Withdrawal
5%/yr
Available In
49 states
Min Premium
$25,000
Surrender
4 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 1-Year | 4.35% |
| 3-Year | 4.4% |
| 4-Year | 4.3% |
| 5-Year | 4.3% |
| 7-Year | 4.3% |
Key Features
4-Year Rate Guarantee
4 yearsYour initial interest rate is locked in and guaranteed for four years, protecting you from rate fluctuations.
Penalty-Free Withdrawals
5% annually after year 1After the first year, you can withdraw up to 5% of your previous anniversary contract value each year without any charges or market value adjustments.
Minimum Withdrawal Value Guarantee
87.5% of premiumUpon surrender, death, or annuitization, you are guaranteed to receive at least 87.5% of your premium, less any prior withdrawals.
Immediate Interest Crediting
From contract dateInterest begins accruing on your contract value on the effective date, so your money starts working for you right away.
Tax Deferral
Tax-deferred growthFederal income taxes on your earnings are deferred until you withdraw the money, allowing your money to compound longer.
Flexible Withdrawals
$250 minimum partial; $100 minimum systematicChoose systematic withdrawals, partial withdrawals, or full annuitization based on your income needs.
Withdrawal Charge Schedule
8%, 7%, 7%, 6%, then 0%Charges decline over time: 8% in year 1, down to 0% after year 4 (applies only to amounts exceeding penalty-free limits).
Waiver Riders Available
No cost to addWithdraw without charges if you need extended care, face terminal illness, or cannot perform activities of daily living (no charge for these riders).
Highlights
Guaranteed interest rate for 4 years with a minimum floor rate thereafter
No withdrawal charges or penalties on up to 5% annual withdrawals after year one
Minimum withdrawal value guarantee ensures you never receive less than 87.5% of premium
Multiple ways to access funds: systematic withdrawals, partial withdrawals, or full annuitization
Tax-deferred growth with ability to cover IRS Required Minimum Distributions automatically
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Individuals age 18-90 who are near or in retirement and want guaranteed income, principal protection, and flexibility to access funds while deferring taxes.
Consider Alternatives If
People who need liquidity before age 59½ (early withdrawal penalties may apply), those seeking growth upside tied to market performance, or investors with premium amounts over $1 million without company approval.
Carrier Ratings
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