Best available rate
5%
5-yr guarantee · 5-yr surrender schedule · $250,000+ premium
Up to 5% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
New York
Only state
Rates as of August 12, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Pathway Choice Prime NY
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.
Lead-term guaranteed rate
5% guaranteed for 5 years
The New-York-only filing in Corebridge's Pathway Choice MYGA family from American General Life Insurance Company — flat declared rates at 3, 4, 5, and 7-year terms with a seven-year surrender ladder, an annual free-withdrawal allowance, and nursing-home, terminal-illness, and surrender waivers.
Best fit
New York buyers who want a flat, contractually guaranteed annual rate locked in for a chosen term (3, 4, 5, or 7 years) from an established A-rated carrier with multi-agency financial-strength coverage, value seeing the surrender ladder, free-withdrawal allowance, and annuitization options on the page before the application, and want a New-York-filed alternative to the carrier's broader Pathway Choice product.
Available guarantee terms
3, 4, 5, and 7 years
AM Best
A Excellent
Available surrender terms
3, 4, 5, and 7 years
Free withdrawal
10%/yr
Availability
New York only
Product analyst notes
How to think about this contract
Why it can stand out
- This is the New-York-only filing of Corebridge's Pathway Choice MYGA family — a buyer in New York shopping the Pathway Choice line lands on this contract rather than the 49-jurisdiction Pathway Choice filing. The same buyer can also compare it with Pathway Choice Focus NY, the other current New York filing in the family, for a side-by-side look at term menu, surrender ladder, and rate posture.
- Term menu spans 3, 4, 5, and 7-year guarantee periods inside the same contract, so a buyer can size the lock-in window to a specific planning horizon — short-term cash reserve, mid-cycle laddered tranche, or longer commitment — and see the term-versus-rate trade-off directly in the rate-by-term section on this page.
- 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), so the strength view is a multi-source read rather than a single-agency assertion.
- Annual free-withdrawal allowance, the nursing-home and terminal-illness waivers, the full surrender ladder, and single-and-joint annuitization are all published directly on this page from the live feed rather than gated behind a sales brochure — a buyer can compare liquidity and conversion terms before the application.
What to confirm
- Available only in New York — buyers in any of the other 49 jurisdictions cannot purchase this contract. The non-New-York counterpart is Pathway Choice; New York buyers should also weigh Pathway Choice Focus NY before choosing between the two New York filings, because the term menu, surrender ladder, and rate posture differ between them.
- The surrender charge ladder runs a full seven years and starts in the high single digits in year one, stepping down annually — the first-year surrender charge is noticeably steeper than on the non-New-York Pathway Choice and Pathway Choice Focus NY. An unplanned early exit beyond the annual free-withdrawal allowance carries a real cost; this is a multi-year commitment, not a short-term cash equivalent.
- Posted rates on this page reflect the current rate schedule for this contract and the standard scenario premium and issue age the live feed runs — actual deposits in different premium bands or at different issue ages may earn a different guaranteed rate, so the headline does not apply universally. Verify the rate for the specific deposit size and issue age before signing.
- The death benefit on this contract is the standard contractual beneficiary value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider attached — this contract is built for rate certainty over the chosen term within New York, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers outside New York (the non-New-York Pathway Choice applies in 49 jurisdictions), buyers who need short-window liquidity without a surrender charge, buyers who want market-linked upside through index crediting, buyers who need a guaranteed-lifetime-withdrawal rider, or buyers who want a death benefit with roll-up or step-up — none of those are what a New-York-filed MYGA in the Pathway Choice Prime family is built to deliver.
Free Comparison Report
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See how Pathway Choice Prime NY compares for your age, state, premium, and income goals alongside other Corebridge Financial MYGA options.
Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $25,000–$99,999Premium · comparable annual rate | $100,000–$249,999Premium · comparable annual rate | $250,000+Premium · comparable annual rate |
|---|---|---|---|---|---|---|
| NY · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 10, 2026 | 4.05%Rate convention not stated | 4.7%Rate convention not stated | 4.75%Rate convention not stated |
| NY · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 10, 2026 | 4.3%Rate convention not stated | 4.85%Rate convention not stated | 4.9%Rate convention not stated |
| NY · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 10, 2026 | 4.2%Rate convention not stated | 4.7%Rate convention not stated | 4.75%Rate convention not stated |
| NY · No MVA · No liquidity rider | 4-Year | 4-Year schedule | Aug 10, 2026 | 4.45%Rate convention not stated | 4.85%Rate convention not stated | 4.9%Rate convention not stated |
| NY · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 10, 2026 | 4.55%Rate convention not stated | 4.85%Rate convention not stated | 4.9%Rate convention not stated |
| NY · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 10, 2026 | 4.7%Rate convention not stated | 4.95%Rate convention not stated | 5%Rate convention not stated |
| NY · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 10, 2026 | 4.65%Rate convention not stated | 4.85%Rate convention not stated | 4.9%Rate convention not stated |
| NY · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 10, 2026 | 4.8%Rate convention not stated | 4.95%Rate convention not stated | 5%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
3-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
After
0%
3-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
After
0%
4-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
After
0%
4-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
7-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
7-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
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See how Pathway Choice Prime NY compares for your age, state, premium, and income goals alongside other Corebridge Financial MYGA options.