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American National Palladium 3, 5 MYGA

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Withdrawals above the penalty-free amount are subject to a declining withdrawal charge schedule

Withdrawals above the penalty-free amount are subject to a declining withdrawal charge schedule.

Extended Care & Terminal Illness riders are included and free if conditions are met.

Payable on death of owner. Beneficiary will receive the greater of the contract value (without withdrawal charge or MVA) or the minimum withdrawal value.

No charge for these riders (not available in all states):

After one year, multiple penalty-free withdrawals may be taken each year, not exceeding 

 of the previous anniversary contract value.

Nonqualified, IRA, SEP, SEP IRA and Roth IRA (

Nonqualified purchases by non-natural entities require prior company approval

Withdrawals above the penalty-free amount are subject to a declining withdrawal charge schedule for a seven-year period (9%, 8%, 7%, 6%, 5%, 4%, 2%, 0%) from the contract date, depending on product selection. In addition, a market value adjustment (MVA) may apply to withdrawals before the end of the initial term. The MVA may increase or decrease the amount received. Withdrawals taken prior to age 59½ are generally subject to a 10% federal early withdrawal tax penalty in addition to ordinary income tax. Partial withdrawals may reduce benefits and contract value. During the withdrawal charge period, the guaranteed minimum interest rate is as shown. After the withdrawal charge period ends, the guaranteed minimum interest rate will be [0.25%] for the remainder of the contract. 

At the end of the initial interest rate guarantee period, an interest rate will be declared annually and guaranteed for one year. The rate will not be less than the minimum guaranteed interest rate specified in your contract.

Upon full surrender, payment of death claim or annuitization, you will never receive less than 87.5% of your premium, less prior net withdrawals, excluding any withdrawal charge and MVA, earning no less than the annual rate specified in your contract

The CoreBridge American Pathway Fixed 7 (without ROP)

 is a single premium, tax-deferred fixed annuity issued by American General Life Insurance Company. It offers a guaranteed fixed interest rate for a selected term and provides a stream of guaranteed income payments in exchange for your premium. A fixed annuity is a contract between you and an insurance company that, in exchange for your premium (earning a fixed rate of interest), offers a stream of guaranteed income payments. 

Upon the annuitant’s death, the beneficiary will receive greater of (i) Contract Value without any surrender charges (ii) Minimum Withdrawal Value.

Terminal Illness and Extended Care Waiver.

10% of the contract value can be withdrawn free of charge each year.

IRA, Roth IRA, Nonqualified Account, SEP IRA, SIMPLE IRA, 401(a), etc.

Withdrawals above the penalty-free amount are subject to surrender charges, declining over either five or seven years based on the selected term. A market value adjustment (MVA) may apply to non-qualified withdrawals before the end of the guarantee period and may increase or reduce the payout based on interest rate movements. Withdrawals prior to age 59½ are subject to a 10% federal early withdrawal tax penalty in addition to ordinary income taxes.

Option to continue with the MYGA for the same guaranteed period after the initial guaranteed period ends, but at the new rates available at that time.

Account Value less any withdrawal charges/ MVA.

The CoreBridge American Pathway Fixed 7 (with ROP)

Withdrawals exceeding the penalty-free amount during the first five contract years are subject to a declining withdrawal charge schedule: 9% in year 1, decreasing by 1% annually to 5% in year 5, and 0% thereafter.

CoreBridge American Pathway 5 (without ROP)

 is a single premium, tax-deferred fixed annuity issued by American General Life Insurance Company. It provides a guaranteed interest rate for a selected term of 3, 5, or 7 years. After the initial term, interest rates are declared annually. This annuity is designed to offer predictable growth, principal protection, and a stream of guaranteed income payments for retirement.

Upon the owner's death, the beneficiary receives a death benefit equal to the greater of the contract value or the withdrawal value (contract value minus applicable withdrawal charges).

Waivers are available for terminal illness and extended care, allowing for penalty-free withdrawals under certain conditions.

After 30 days from the contract date, multiple penalty-free withdrawals are allowed each year, not exceeding the greater of the accumulated interest earned or up to 15% of the previous anniversary contract value. Unused portions (up to 5%) can be carried over to the next contract year, increasing the annual withdrawal to 20% of the anniversary contract value.

The annuity is available for both qualified and non-qualified plans, including IRAs, Roth IRAs, SEP IRAs, and 401(k) rollovers.

Withdrawals exceeding the penalty-free amount are subject to a declining withdrawal charge schedule, starting at 9% and decreasing annually over 5 or 7 years, depending on the selected product. A market value adjustment (MVA) may apply to excess withdrawals taken before the end of the initial term, and it may increase or reduce the amount received based on current interest rates. Withdrawals made before age 59½ may also incur a 10% federal tax penalty in addition to ordinary income tax. Contracts with the optional return-of-premium feature receive slightly lower interest rates.

When the selected term expires, future interest rates will be declared annually.

Partial withdrawals may reduce benefits and contract value.

 is a single premium, tax-deferred fixed annuity designed to provide guaranteed growth over 3, 5, or 7 years. It offers a fixed interest rate locked in for the duration of the selected term, with options to include or exclude a return-of-premium guarantee. At the end of the initial term, the contract renews annually at a new declared interest rate. This annuity is intended for long-term retirement savings and can provide a predictable stream of income payments.

The Corebridge Pathway Choice Multi-Year Guaranteed Annuity (MYGA) allows up to 10% of the contract value to be withdrawn free of charge each year.  Should your needs change unexpectedly, and you need to take an excess withdrawal (a withdrawal that is above the free withdrawal amount available in a given contract year), you may be entitled to access additional monies, although certain charges and penalties may apply. Any amount withdrawn in excess of the remaining free withdrawal amount is subject to a Surrender Charge.

The Corebridge Pathway Choice MYGA levies no annual contract or administrative fees.

Upon the annuitant’s death, the beneficiary will receive greater of (i) Contract Value without any surrender charges (ii) Minimum Withdrawal Value


Terminal Illness and Extended Care Waiver

10% of the contract value can be withdrawn free of charge each year

Withdrawals above the penalty-free amount are subject to a declining withdrawal charge schedule for 3 years (7%, 6%, 5%), 4 years (7%, 6%, 5%, 4%), 5 years (7%, 6%, 5%, 4%, 3%) and 7 years (7%, 6%, 5%, 4%, 3%, 2%, 1%) depending on the selected term. Withdrawals taken prior to age 59½ are generally subject to a 10% federal early withdrawal tax penalty in addition to ordinary income tax. Partial withdrawals may reduce benefits and contract value. With respect to each interest guarantee term, the interest rate credited will never be less than the Minimum Guaranteed Interest Rate

Option to continue with the MYGA for the same guaranteed period after the initial guaranteed period ends, but at the new rates available at that time

Account Value less any withdrawal charges/ MVA

 annuity is a long-term retirement product designed to provide guaranteed income payments in exchange for a single premium. It offers tax-deferred growth, guaranteed interest earnings, and protection from market volatility, as the funds are not invested in the stock market. Clients may choose from multiple interest rate guarantee periods—three, four, five, or seven years—with a guaranteed minimum interest rate declared annually after the initial term ends.

Upon full surrender, payment of death claim or annuitization, you will never receive less than 87.5% of your premium, less prior net withdrawals, excluding any withdrawal charge and MVA, earning no less than the annual rate specified in your contract.

single premium, tax-deferred fixed annuity

guaranteed growth, flexibility, and protection

 available in 4-, 5-, 6-, 7-, or 10-year terms, this annuity ensures your investment grows at a predictable rate—shielded from market volatility.

Corebridge Pathway Choice℠ Fixed Annuity is a long-term savings product offering guaranteed fixed interest for 3, 4, 5, or 7 years, with tax-deferred growth and protection from market volatility. After the first contract year, up to 10% of the contract value may be withdrawn annually without penalty; withdrawals above this amount are subject to a withdrawal charge and a market value adjustment (MVA). Withdrawal charges follow a declining schedule depending on the term: for example, 7% for the first three years, then gradually reducing to 0% by year eight on the 7-year option. The MVA may increase or decrease the value received based on changes in interest rates but is waived in certain cases including RMDs, death benefits, annuitization, and under terminal illness or extended care waivers. A 10% IRS penalty may also apply for withdrawals made before age 59½. At maturity, the annuity offers options for guaranteed income payments and includes a death benefit equal to the greater of the contract value or minimum withdrawal value.

The Corebridge Pathway Choice Multi-Year Guaranteed Annuity (MYGA) is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers nursing home and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses. The product also includes an annuitization (income) option, which converts the annuity investment into a series of periodic income payments. Annuities can be annuitized for a specific period or for the lifetime of the annuitant.

CoreBridge American Pathway 7 without ROP

CoreBridge American Pathway 7 with ROP

CoreBridge American Pathway 5 without ROP

CoreBridge American Pathway 5 with ROP

Corebridge Pathway Choice Focus NY

Corebridge American Pathway Vision MYG Annuity

Corebridge American Pathway Choice MYGA