American Pathway Vision MYG
Corebridge Financial
4.5%
Best Rate
15%
Free W/D
49
States
A single-premium fixed annuity that guarantees your interest rate and principal while deferring taxes, designed for retirees and near-retirees who want predictable income with liquidity flexibility.
Free Withdrawal
15%/yr
Available In
49 states
Min Premium
$25,000
Surrender
10 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 4-Year | 4.15% |
| 5-Year | 4.15% |
| 6-Year | 4.15% |
| 7-Year | 4.15% |
| 10-Year | 4.5% |
Key Features
Multi-Year Rate Guarantee
4-, 5-, 6-, 7-, or 10-year optionsYour initial interest rate is locked in and guaranteed for your choice of 4, 5, 6, 7, or 10 years
Guaranteed Minimum Value
87.5% of premiumUpon surrender or death, you're guaranteed to receive at least 87.5% of your premium (less withdrawals), earning a contractually-specified minimum rate
Penalty-Free Withdrawals
15% annually after year 1After year one, withdraw up to 15% of your anniversary contract value each year without charges or penalties, plus a 30-day free-withdrawal window at the end of your guarantee period
Declining Withdrawal Charges
8% to 0% over 10 yearsAny withdrawal beyond the penalty-free amount is charged on a declining scale from 8% in year 1 down to 0% after year 10
Tax Deferral
Tax-deferred until withdrawalFederal income taxes on interest earnings are deferred until you withdraw, allowing your money to grow tax-free
No Fees
Zero annual feesThere are no annual maintenance fees or initial sales charges
Extended Care Rider
No charge for riderIf you need extended care for 90+ consecutive days, you can withdraw without charges or MVA adjustments at no additional cost
Terminal Illness Rider
No charge for riderOne penalty-free withdrawal is permitted if you're diagnosed with a terminal illness after the contract date, at no additional cost
Highlights
Guaranteed interest rates for 4, 5, 6, 7, or 10 years with no market risk to your principal
Penalty-free withdrawals up to 15% annually after year one, plus a 30-day window at the end of the guarantee period
Guaranteed minimum withdrawal value of 87.5% of premium ensures you never lose your entire investment
Tax-deferred growth with no annual fees or initial sales charges
Optional riders waive withdrawal charges for extended care or terminal illness with no additional cost
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Activities of daily living, Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking guaranteed income, capital protection, and tax-deferred growth with the flexibility to access funds annually.
Consider Alternatives If
Investors who need frequent access to large amounts of principal, those in high tax brackets seeking immediate income, or individuals who may need their money within the first year.
Carrier Ratings
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