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Multi-Year Guaranteed Annuity
Future Achiever — American General Life Insurance Company
Where this product is issued in New York, the issuing company is The United States Life Insurance Company in the City of New York.
Guarantee terms
Not published
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Applies
Minimum premium
$25,000
Availability
50 jurisdictions (49 states + DC)
Surrender schedule
3 · 5-year options published contract option; no current rate row to link
Interest crediting
Confirm per quote
Rates effective
Date not published
Guaranteed rates by term
No current marketed rate passed the display-integrity checks for this contract.
The available feed values are withheld because they may represent minimum-guarantee or contract-floor figures rather than a rate currently offered to buyers. Confirm a current carrier illustration before comparing this product.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- The current contract data publishes three-year and five-year surrender-period versions, although the current new-business rates need to be confirmed directly with the carrier.
- The contract accepts both qualified and non-qualified funds and publishes a $25,000 minimum premium.
- An annual penalty-free withdrawal provision provides limited access to contract value during the surrender period.
- Single-life and joint-life annuitization choices are available for buyers who later decide to convert contract value into payments.
What to confirm
- A plausible current new-business rate is not available in the live source, so confirm the rate and effective date directly with the carrier before making a comparison or purchase decision.
- The contract data publishes three-year and five-year surrender schedules, but the applicable version must be confirmed because the current rate rows do not pass the site's display-integrity checks; a market value adjustment can also apply.
- The contract is not offered in New York, so buyers there need a product specifically available in that state.
- This contract is designed for fixed guaranteed interest and does not include an optional guaranteed-lifetime-withdrawal rider, premium bonus, or enhanced death-benefit roll-up.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$25,000 minimum
$2,000,000 maximum
Issue ages
18–90 (annuitant and owner)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges and a market value adjustment may apply under contract terms.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Does not apply
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Certain period · Joint life · Single life
Maximum annuitization age: 95 years
Fees and charges
None published
Contract versions
Not published
Source
CANNEX via AdvisorWorld
Normalized facts observed Oct 9, 2026.
State availability
50 jurisdictions (excl. New York) in the current feed. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.
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