Pathway Choice Focus NY
Corebridge Financial
4.15%
Best Rate
10%
Free W/D
1
States
A fixed annuity that guarantees your principal and interest earnings while protecting you from market downturns. Designed for retirees and near-retirees seeking stable, predictable income and tax-deferred growth.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$25,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 3.95% |
| 4-Year | 3.95% |
| 5-Year | 4.15% |
| 7-Year | 4.15% |
Key Features
Guaranteed Interest Rate
3, 4, 5, or 7-year options availableYour money earns a fixed rate of interest guaranteed for the initial period you choose, with a minimum guaranteed rate thereafter
Tax-Deferred Growth
Example: $100,000 grows to $180,611 in 20 years vs. $156,969 in a taxable accountInterest earnings are not taxed until you withdraw money, allowing more money to compound in your account
Free Withdrawals
10% annual limitAfter the first contract year, withdraw up to 10% of your previous anniversary contract value penalty-free each year
Annuitization Options
Available 3+ years after contract issueConvert your contract into guaranteed lifetime income payments with choices including life annuity, joint and survivor, or fixed-period payments
Minimum Purchase
$25,000 minimumEntry point for both qualified and non-qualified annuities
Withdrawal Charges
3-Year: 7,7,7,0% | 5-Year: 7,7,7,6,5,0% | 7-Year: 7,7,7,6,5,4,3,0%Excess withdrawals beyond the 10% free amount are subject to surrender charges during the guarantee period, declining to zero at contract end
Market Value Adjustment
Does not apply to penalty-free withdrawals, RMDs, death claims, or annuitizationIf interest rates have risen since purchase, withdrawals may be reduced; if rates have fallen, withdrawals may increase
Death Benefit
Guaranteed protectionYour beneficiaries receive the greater of your contract value or the minimum withdrawal value
Waiver Riders
Extended care waiver terminates at age 86Extended care waiver (after 90+ consecutive days of care) and terminal illness waiver allow penalty-free withdrawals in hardship situations
Highlights
Guaranteed fixed interest rate grows your money tax-deferred with no stock market risk
Flexible income options including lifetime payments when you're ready to retire
Penalty-free withdrawals of up to 10% annually after the first year for financial emergencies
Multiple interest rate guarantee periods (3, 4, 5, or 7 years) to match your retirement timeline
Death benefit protection ensures your loved ones receive either your contract value or minimum withdrawal value
Surrender Schedule
Yr 1
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking guaranteed income, protection from market volatility, and tax-deferred growth with flexibility to access funds in emergencies.
Consider Alternatives If
Individuals who may need their full principal within the first few years, those seeking growth that exceeds inflation over long periods, or anyone uncomfortable with surrender charges on early withdrawals.
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