First Choice 5
Corebridge Financial
4.4%
Best Rate
15%
Free W/D
52
States
A tax-deferred fixed annuity that guarantees your interest rate for multiple years and provides reliable income in retirement. Designed for conservative investors seeking stability and tax deferral without market exposure.
Free Withdrawal
15%/yr
Available In
52 states
Min Premium
$25,000
Surrender
5 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 4-Year | 4.1% |
| 5-Year | 4.4% |
Key Features
Multi-Year Interest Rate Guarantee
4-, 5-, 6-, 7-, or 10-year optionsYour initial interest rate is guaranteed for your choice of 4, 5, 6, 7, or 10 years with no market fluctuation risk
Guaranteed Minimum Withdrawal Value
87.5% guaranteeUpon full surrender, death, or annuitization, you receive at least 87.5% of your premium (less prior withdrawals)
Penalty-Free Withdrawal Privilege
15% annually penalty-freeAfter year one, withdraw up to 15% of your previous anniversary contract value each year without charges or adjustments
Tax-Deferred Growth
Full tax deferralFederal income taxes are deferred until you withdraw funds, allowing your money to grow uninterrupted
No Fees
Zero feesNo initial sales charges or annual maintenance fees—your premium works harder for you
30-Day Surrender Window
30-day windowAt the end of your rate guarantee period, you have 30 days to withdraw funds with no charges or market value adjustment
Withdrawal Charge Waiver Riders
Extended care and terminal illness ridersAccess funds penalty-free if you require extended care (90+ days) or receive a terminal illness diagnosis
Highlights
Guaranteed fixed interest rate for 4, 5, 6, 7, or 10 years with no market risk
Tax-deferred growth with no annual fees or initial sales charges
Flexible withdrawals with penalty-free access to 15% annually after year one
Death benefit passes directly to beneficiaries, avoiding probate
Guaranteed minimum withdrawal value of 87.5% of premium protects your investment
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
6%
Yr 4
4%
Yr 5
2%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative retirees and near-retirees who prioritize guaranteed income and tax deferral over market growth and can commit funds for 4-10 years.
Consider Alternatives If
Investors who need immediate access to all their funds, those seeking high growth potential, or individuals with income below the $10,000 minimum premium requirement.
Carrier Ratings
Free Comparison Report
Get a personalized First Choice 5 illustration
See year-by-year projections for your specific age, premium, and income goals.