Assured Edge Income Achiever
Corebridge Financial
1.1275%
10-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of June 12, 2026, based on the latest AdvisorWorld scan of CANNEX data.
10-year guaranteed rate
1.13% guaranteed for 10 years
A long-horizon multi-year guaranteed annuity from American General Life (Corebridge Financial) at an A.M. Best A rating — a flat declared rate locked for up to 10 years, with an annual free-withdrawal allowance and a 9-year declining surrender schedule.
Best fit
Savers with a true 9-to-10-year planning horizon who want a flat, contractually guaranteed rate over a longer commitment than the typical 5- or 7-year MYGA — from a multi-agency-rated carrier, with a published free-withdrawal allowance and a fully visible surrender ladder.
AM Best
A Excellent
Surrender period
9 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- A flat, contractually guaranteed rate locked for a long horizon — the longest published term is 10 years, well past the 5- and 7-year terms most MYGA shelves stop at, so a buyer with a true decade-or-longer planning window can match the lock-in to the horizon.
- Issued by American General Life Insurance Company, a Corebridge Financial company, with A.M. Best A, S&P A+, and Moody's A2 ratings — the financial-strength view is corroborated across three independent agencies rather than a single source.
- An annual free-withdrawal allowance runs alongside the surrender schedule, plus nursing-home, terminal-illness, and surrender waivers — penalty-free liquidity rules are spelled out on the contract, not gated behind a brochure.
- Pure multi-year guarantee chassis: no index, no cap, no participation rate, no rider — the rate you see is the rate the contract credits each year of the guarantee period, with no moving parts to track.
What to confirm
- Despite the "Income Achiever" name, this is a deferred MYGA, not an income-rider product — there is no guaranteed-lifetime-withdrawal benefit, no income base, and no roll-up. A buyer looking for a contractually guaranteed income stream needs a different chassis.
- Surrender charges run a full 9 years on a declining ladder that steps down annually — money beyond the annual free-withdrawal allowance is not freely accessible until the surrender period ends. This is a long-term commitment, not a short-window cash equivalent.
- The live feed publishes two 10-year rates and a 9-year rate at the carrier's scenario premium — confirm which premium band and rate class the illustration is built on before signing, because the headline only applies to the matching band.
- The death benefit is the standard contract value (with surrender charges and any rate-driven adjustment running per contract terms), and there is no roll-up or step-up — this contract is built for rate certainty over a long horizon, not legacy enhancement.
Not ideal for
Buyers who may need principal back inside 9 years beyond the annual free-withdrawal allowance, who want a guaranteed-lifetime-income rider (despite the product's name, this MYGA does not carry one — Corebridge's Assured Edge Income Builder is the shorter 7-year sibling on the same shelf and is also a pure MYGA), or who want market-linked upside through index crediting.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 9-Year | 2% |
| 10-Year | 1.1275% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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