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Multi-Year Guaranteed Annuity
American Pathway Fixed 7 Annuity — American General Life Insurance Company
Where this product is issued in New York, the issuing company is The United States Life Insurance Company in the City of New York.
Guarantee terms
7 · 1 · 3 yrs
Free withdrawal
15% published tier; confirm timing and exceptions
Market value adj.
Varies by version
Minimum premium
$25,000
Availability
49 jurisdictions (48 states + DC)
Surrender schedule
7-year option published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Nov 9, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 7-yearSchedule not publishedHighest | 5.60% | 5.60% | Flat throughout | $146,436+$46,436 interest | -0.10 ptsmedian 5.70% · n=138 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 5.60% grows over 7 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 5.60% | +$5,600 | $105,600 |
| Year 2 | 5.60% | +$5,914 | $111,514 |
| Year 3 | 5.60% | +$6,245 | $117,758 |
| Year 4 | 5.60% | +$6,594 | $124,353 |
| Year 5 | 5.60% | +$6,964 | $131,317 |
| Year 6 | 5.60% | +$7,354 | $138,670 |
| Year 7 | 5.60% | +$7,766 | $146,436 |
| Compound-equivalent annual rate over the full term | 5.600% | ||
How the number is calculated
- Product
- American Pathway Fixed 7 Annuity
- Schedule
- 5.60% for 7 years
- Crediting
- Compound interest
- Ending value
- $146,436
- Effective rate
- 5.600% per year
Equivalent: a flat MYGA paying 5.60% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- Lead-term horizon is the longest in the American Pathway Fixed family — this contract publishes a 7-year guaranteed period that the sibling American Pathway Fixed 5 does not offer, so a buyer who wants to lock a flat declared rate for a full 7 years through Corebridge gets that term from this contract, not the Fixed 5.
- Backed by American General Life Insurance Company (Corebridge Financial) with corroborated financial-strength views across three agencies — A.M. Best, S&P, and Moody's all rate the carrier, so the financial-strength picture is not coming from a single source.
- Annual free-withdrawal allowance is set on the higher end for a MYGA on this site, plus nursing-home and terminal-illness charge waivers and both single-life and joint annuitization options — penalty-free liquidity rules and conversion options are visible on this page, not gated behind a brochure.
- Surrender schedule is a 7-year declining ladder that ends in the same year the 7-year guarantee period ends, so the lock-up window matches the contract's longest fixed-rate promise rather than extending beyond it.
What to confirm
- Surrender charges run a full 7 years with a meaningful first-year charge — that is two years longer than the sibling American Pathway Fixed 5, so the longer fixed-rate horizon is bought with a longer lock-up. The longer-term rate is not free; it costs liquidity for two extra years before the schedule fully releases.
- Filing is unavailable in two jurisdictions on the live state feed — buyers in those excluded states cannot purchase this contract and need a different MYGA. Confirm availability for the state of issue before relying on this product in a plan.
- Posted rates on this page assume a specific premium band and issue age scenario; deposits in lower or higher bands may earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size before signing.
- The death benefit is the standard contract beneficiary value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider on this contract — this contract is built for rate certainty over a 7-year window, not for legacy enhancement or guaranteed lifetime income.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$25,000 minimum
$2,000,000 maximum
Issue ages
18–85 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Joint · Single
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges may apply; a market value adjustment depends on the contract version.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not published
Return of premium
Varies by contract version
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Not published
Maximum annuitization age: 95 years
Fees and charges
None published
Contract versions
8
Most states · MVA · No liquidity rider · Published version 1 · Most states · MVA · No liquidity rider · Published version 2 · Most states · No MVA · No liquidity rider · Published version 1 · Most states · No MVA · No liquidity rider · Published version 2 · Most states · No MVA · No liquidity rider · Published version 3 · Most states · No MVA · No liquidity rider · Published version 4 · Most states · No MVA · No liquidity rider · Published version 5 · Most states · No MVA · No liquidity rider · Published version 6
Source
CANNEX via AdvisorWorld
Normalized facts observed Nov 13, 2026.
State availability
49 jurisdictions (excl. Idaho, New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.
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