American Pathway Fixed 5 Annuity
Corebridge Financial
4.4%
Best Rate
15%
Free W/D
52
States
A single-premium fixed annuity that guarantees a fixed interest rate for a specified period and provides tax-deferred growth with flexible withdrawal options. Designed for retirees and pre-retirees seeking income stability and principal protection.
Free Withdrawal
15%/yr
Available In
52 states
Min Premium
$25,000
Surrender
5 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
Interest Rate Guarantee
5 or 7 year options availableYour initial rate is guaranteed for 1, 3, 5 (Fixed 5) or 7 years (Fixed 7), then an annual rate guaranteed for one year minimum
Penalty-Free Withdrawals
15% annually, up to 20% with carryoverAfter 30 days, withdraw up to 15% of prior year's value annually without charges; unused portions carry over (up to 5%) to increase next year's limit to 20%
Market Value Adjustment (Optional)
5 or 7-year MVA optionsAvailable on 5 and 7-year options; adjusts withdrawal amounts based on interest rate changes, but never below guaranteed minimum value
Return-of-Premium Guarantee (Optional)
Available at purchase; slightly reduces initial rateAllows return of annuity at any time for the greater of premium paid (less withdrawals) or contract value, minus charges
Guaranteed Minimum Withdrawal Value
87.5% principal protectionOn full surrender or death, receive at least 87.5% of premium (less prior net withdrawals) earning the contract's annual rate
Tax Deferral
Tax-deferred growthFederal income taxes on earnings are deferred until withdrawal; principal return may be taxable on tax-qualified annuities
Minimum Premium Requirements
$5,000 nonqualified; $2,000 tax-qualifiedLow entry points for different account types
Highlights
Guaranteed fixed interest rates for 1, 3, 5, or 7 years depending on product choice
Penalty-free withdrawals of up to 15% annually (or accumulated interest, whichever is greater) after 30 days
Optional return-of-premium guarantee ensures you can get back at least your principal at any time
Minimum 87.5% guaranteed withdrawal value protects your investment
Tax-deferred growth with no initial sales charges or annual fees
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and pre-retirees seeking guaranteed income, principal protection, tax-deferred growth, and periodic liquidity without market risk.
Consider Alternatives If
Investors needing immediate access to all funds without penalties, seeking high growth potential, or with short time horizons (annuities are long-term products).
Carrier Ratings
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