American Pathway Fixed 7 Annuity
Corebridge Financial
4.4%
Best Rate
15%
Free W/D
52
States
American Pathway Fixed Annuities are tax-deferred insurance contracts that provide guaranteed fixed interest rates and predictable income for retirement. They're designed for conservative investors seeking safety and stability over market growth.
Free Withdrawal
15%/yr
Available In
52 states
Min Premium
$25,000
Surrender
7 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
1, 3, 5 (Fixed 5) or 1, 3, 7 (Fixed 7) year optionsYour initial interest rate is locked in for a guaranteed period with no risk of rate reduction during that time
Penalty-Free Withdrawals
15% of previous anniversary value or accumulated interest (whichever is greater), plus unused portions can carry over to 20% the next yearYou can withdraw a portion of your money each year without charges after a 30-day initial period
Market Value Adjustment (Optional)
Available on Fixed 5 and Fixed 7 contractsOn 5- and 7-year options, your withdrawal amount adjusts based on current interest rates—potentially increasing or decreasing your withdrawal value
Return-of-Premium Guarantee (Optional)
Results in slightly lower initial interest rateYou can return the annuity at any time for at least your original premium amount, even if the contract value is lower
Guaranteed Minimum Withdrawal Value
87.5% of premium (less prior net withdrawals)You're guaranteed to receive at least this percentage of your premium upon death, surrender, or annuitization
Tax Deferral
Federal income tax deferred until withdrawalInterest earnings grow tax-free until you withdraw them, allowing your money to compound without annual tax drag
No Sales Charges
0% initial sales charge and annual feeYour entire premium goes to work immediately with no upfront sales charges or annual management fees
Highlights
Guaranteed fixed interest rates for 1, 3, 5, or 7 years depending on product and option selected
Penalty-free withdrawals of up to 15% annually (or accumulated interest if greater) after 30 days
Optional Market Value Adjustment (MVA) on 5- and 7-year options for potentially higher rates
Tax-deferred growth with no initial sales charges or annual fees
Guaranteed minimum withdrawal value of 87.5% of premium upon full surrender or death
Surrender Schedule
Yr 1
9%
Yr 2
8%
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
Conservative investors nearing or in retirement who prioritize guaranteed income and principal safety over growth potential and can commit funds for 5-7 years.
Consider Alternatives If
Investors who need frequent access to their money before the guarantee period ends, those seeking high growth potential, or those who may need the full balance before age 59½ without incurring tax penalties.
Carrier Ratings
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