Multi-Year Guaranteed Annuity
Pathway Choice Focus NY
Guarantee terms
3 · 4 · 5 · 7yrs
Free withdrawal
10%per year
Market value adj.
Does not apply
Minimum premium
$25,000
Availability
New YorkOnly state
Surrender schedule
7-yearpublished CDSC · 7% → 1%
Interest crediting
Confirmper quote
Rates effective
Aug 17, 2026
Guaranteed rates by term
Published guaranteed rates are shown as provided. No effective annual rate, ending value, or relative market result is inferred when the interest-crediting convention is not published.
| TermSurrender schedule | Published guaranteed rateAs provided in feed | Published annual rateContract rate | Rate structureFull guarantee | Term-end valueWhen calculable | Rate contextConvention required |
|---|---|---|---|---|---|
| 3-year$25,000–$99,999 premium · 7-yr surrender schedule | 3.95% | 3.95% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 3-year$100,000–$249,999 premium · 7-yr surrender schedule | 4.75% | 4.75% | Flat throughout | Crediting convention not published | Not calculated without crediting convention |
| 3-year$250,000–$2,000,000 premium · 7-yr surrender schedule | 4.80% | 4.80% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 4-year$25,000–$99,999 premium · 7-yr surrender schedule | 3.95% | 3.95% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 4-year$100,000–$249,999 premium · 7-yr surrender schedule | 4.75% | 4.75% | Flat throughout | Crediting convention not published | Not calculated without crediting convention |
| 4-year$250,000–$2,000,000 premium · 7-yr surrender schedule | 4.80% | 4.80% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 5-year$25,000–$99,999 premium · 7-yr surrender schedule | 4.00% | 4.00% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 5-year$100,000–$249,999 premium · 7-yr surrender schedule | 4.85% | 4.85% | Flat throughout | Crediting convention not published | Not calculated without crediting convention |
| 5-year$250,000–$2,000,000 premium · 7-yr surrender scheduleHighest | 4.90% | 4.90% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 7-year$25,000–$99,999 premium · 7-yr surrender schedule | 4.00% | 4.00% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
| 7-year$100,000–$249,999 premium · 7-yr surrender schedule | 4.85% | 4.85% | Flat throughout | Crediting convention not published | Not calculated without crediting convention |
| 7-year$250,000–$2,000,000 premium · 7-yr surrender scheduleHighest | 4.90% | 4.90% | Flat throughout | Outside this premium band | Outside the $100,000 reference band |
Rate figures use a $100,000 reference premium and are scoped to the selected contract version. Effective yield, ending value, and relative market results remain unavailable until the interest-crediting convention is published.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender charge · 7-year version
Charged on withdrawals above the free amount. A market value adjustment can also raise or lower proceeds during the surrender period 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
- Filed and approved for sale in New York — this is the NY-specific filing of the Pathway Choice family, built to comply with the New York Department of Financial Services rules that the multi-state Pathway Choice filing cannot satisfy. New York buyers who otherwise see 'not available in NY' messaging on the multi-state sibling can actually purchase this contract.
- Four term choices on a single filing — 3, 4, 5, and 7 years — let a buyer pick the exact horizon they want a flat declared rate locked for, instead of being forced into a single term length.
- Surrender schedule is a milder 7-year linear ladder that steps down each year (a softer early-year charge than the multi-state Pathway Choice sibling's harsher front-loaded schedule) — an unplanned early exit beyond the annual free-withdrawal allowance is still costly, but less punishing in years one through three than the non-NY sibling filing.
- Backed by American General Life Insurance Company (Corebridge Financial) with carrier financial-strength views corroborated across three agencies — A.M. Best, Standard & Poor's, and Moody's — and the contract carries nursing-home, terminal-illness, and surrender waivers plus single- and joint-life annuitization options.
What to confirm
- Available only in New York — buyers in any other state cannot purchase this contract. The multi-state Pathway Choice (a separate filing) covers the other 49 jurisdictions and has a different surrender schedule and rate sheet. Confirm the contract being illustrated matches the buyer's state of residence.
- Surrender charges run a full 7 years before the contract becomes penalty-free, so the total lock-up window extends beyond every published guarantee period — even after a 3- or 5-year guarantee ends the contract can still carry a surrender charge into year 7. This is a multi-year commitment, not a short-term cash equivalent.
- Posted rates on this page assume a specific premium-band and issue-age scenario; deposits in lower or higher bands may earn a different guaranteed rate, so the headline does not apply universally — verify the rate for the actual deposit size before signing.
- The death benefit is the standard contractual beneficiary value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider on this contract — this contract is built for flat rate certainty over the chosen term, not for legacy enhancement, market-linked upside, or guaranteed lifetime income.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$25,000 minimum
$2,000,000 maximum
Issue ages
18–85 or 18–90 (annuitant and owner; applicability by range not published)
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
Cash Surrender Value
Surrender charges 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
Applies
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
2
NY · No MVA · No liquidity rider · Published version 1 · NY · No MVA · No liquidity rider · Published version 2
Source
CANNEX via AdvisorWorld
Normalized facts observed Sep 4, 2026.
State availability
New York only 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.