Best available rate
4.7%
4-yr guarantee · 4-yr surrender schedule · $100,000+ premium
Up to 4.7% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
52
Available jurisdictions
Rates as of August 12, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for First Choice 4
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Corebridge Financial product.
Live product data
Rates as of August 12, 2026, from AdvisorWorld and CANNEX.
4-year guaranteed rate
4.7% guaranteed for 4 years
A four-year Corebridge MYGA with a matching surrender horizon, limited annual liquidity, and nursing-home and terminal-illness waivers.
Best fit
Buyers who can commit funds for four years and want a declared-rate contract with defined withdrawal provisions.
Available guarantee terms
4 years
AM Best
A Excellent
Surrender period
4 years
Free withdrawal
10%/yr
Availability
52 jurisdictions (excl. Idaho, New York)
Minimum premium
$25,000
Product analyst notes
How to think about this contract
Why it can stand out
- The contract's guarantee period and surrender period share the same four-year horizon.
- An annual free-withdrawal allowance provides limited access without surrender charges when its conditions are met.
- Nursing-home and terminal-illness waivers add event-based liquidity beyond the standard allowance.
What to confirm
- Only one guarantee term is published for this product, so a different horizon requires another contract.
- Withdrawals above the available allowance can be reduced by surrender charges and a market-value adjustment.
- The product is designed for fixed-rate accumulation, not index-linked growth or guaranteed lifetime withdrawals.
Not ideal for
Buyers seeking another term, unrestricted liquidity, index participation, a premium bonus, or a lifetime-income rider.
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | $25,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|
| 4-Year | 4-Year schedule | Aug 10, 2026 | 4.35%Rate convention not stated | 4.7%Rate convention not stated |
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
4-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
7%
Yr 4
6%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how First Choice 4 compares for your age, state, premium, and income goals alongside other Corebridge Financial MYGA options.