Corebridge Financial

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Financial Ratings

A.M. Best A

Fitch A+

About Corebridge Financial

Corebridge Financial (a part of AIG), headquartered in Houston, Texas, is a leading provider of retirement and insurance solutions, offering a range of annuities, life insurance, and investment products. Formerly part of AIG Life & Retirement, Corebridge became an independent entity in 2022 and is now one of the largest providers of retirement solutions in the U.S. The company is publicly traded on the New York Stock Exchange under the ticker symbol CRBG.

The company focuses on helping individuals and institutions achieve financial security through innovative, tax-efficient products. With a strong financial foundation and decades of industry expertise, Corebridge serves millions of customers, emphasizing long-term stability, risk management, and retirement income planning.

Product Lineup

AG Choice Index 10

Fixed Indexed Annuity

Index annuity with principal protection and guaranteed lifetime income

Principal Protection0% minimum return

Index Options5 crediting strategies

Free Withdrawals10% annually

Guaranteed IncomeUp to 5.5% annually

Best for: Individuals aged 50-75 who want principal protection from market downturns while...

American Pathway Advisory

Multi-Year Guaranteed

Multi-year guaranteed rates with no withdrawal charges

Interest Rate Guarantee3, 5, or 7 year terms

No Withdrawal Charges0% surrender charges

Minimum Value Protection87.5% floor

MVA-Free Withdrawals10% annually

Best for: Conservative investors who want guaranteed returns with maintained liquidity acc...

American Pathway Fixed 4 Annuity

Multi-Year Guaranteed

Fixed income with 4-year rate guarantee & principal protection

4-Year Rate Guarantee4 years

Penalty-Free Withdrawals5% annually after year 1

Minimum Withdrawal Value Guarantee87.5% of premium

Immediate Interest CreditingFrom contract date

Best for: Individuals age 18-90 who are near or in retirement and want guaranteed income, ...

American Pathway Fixed 5 Annuity

Multi-Year Guaranteed

Guaranteed income with tax deferral & penalty-free access

Interest Rate Guarantee5 or 7 year options available

Penalty-Free Withdrawals15% annually, up to 20% with carryover

Market Value Adjustment (Optional)5 or 7-year MVA options

Return-of-Premium Guarantee (Optional)Available at purchase; slightly reduces initial rate

Best for: Retirees and pre-retirees seeking guaranteed income, principal protection, tax-d...

American Pathway Fixed 7 Annuity

Guaranteed fixed rates with penalty-free withdrawals

Interest Rate Guarantee1, 3, 5 (Fixed 5) or 1, 3, 7 (Fixed 7) year options

Penalty-Free Withdrawals15% of previous anniversary value or accumulated interest (whichever is greater), plus unused portions can carry over to 20% the next year

Market Value Adjustment (Optional)Available on Fixed 5 and Fixed 7 contracts

Return-of-Premium Guarantee (Optional)Results in slightly lower initial interest rate

Best for: Conservative investors nearing or in retirement who prioritize guaranteed income...

American Pathway Vision MYG

Multi-Year Guaranteed

Guaranteed rates, tax deferral, penalty-free access

Multi-Year Rate Guarantee4-, 5-, 6-, 7-, or 10-year options

Guaranteed Minimum Value87.5% of premium

Penalty-Free Withdrawals15% annually after year 1

Declining Withdrawal Charges8% to 0% over 10 years

Best for: Retirees and near-retirees seeking guaranteed income, capital protection, and ta...

Assured Edge Advisory

Multi-Year Guaranteed

Guaranteed Income for Life + Market Protection

Guaranteed Lifetime Income Amount (GLIA)Increases annually until activation

Income Growth RateVaries by contract terms

Guaranteed Lifetime Withdrawal Benefit (GLWB)Included, 0.95% annual rider fee

Penalty-Free WithdrawalsUp to 10% per year

Best for: Retirees or near-retirees who want guaranteed lifetime income protected from mar...

Assured Edge Income Achiever

Multi-Year Guaranteed

Guaranteed lifetime income with annual growth potential

Guaranteed Lifetime Income Amount (GLIA)Based on age 50-80 and eligible premiums

Income Growth Before ActivationIncome credit calculated from initial GLIA × company-set growth rate

Penalty-Free Withdrawals10% of prior anniversary contract value, $250 minimum

Fixed Interest Rate Guarantee10-year or 9-year initial guarantee period

Best for: Individuals aged 50-80 seeking guaranteed lifetime retirement income they can ac...

Assured Edge Income Builder

Multi-Year Guaranteed

Guaranteed lifetime income + 7.5% annual growth

Guaranteed Lifetime Income WithdrawalsContinues for lifetime of covered person(s)

Income Growth Credit7.5% annually (before withdrawals begin)

Initial Interest Rate Guarantee7 years

Penalty-Free Withdrawals10% annually after first contract year

Best for: Individuals and couples ages 50–80 who want guaranteed lifetime retirement incom...

First Choice 4

Fixed rate guaranteed for 4-10 years, tax-deferred growth

Interest Rate Guarantee4, 5, 6, 7, or 10-year options

Minimum Withdrawal Value87.5% guarantee

Penalty-Free Withdrawals15% annually + 30-day window

Tax DeferralTax-deferred growth

Best for: Retirees and near-retirees who want guaranteed income, predictable interest rate...

First Choice 4

Multi-Year Guaranteed

Guaranteed income with tax deferral and principal protection

Interest Rate Guarantee4-10 year options

Penalty-Free Withdrawals15% annually

Guaranteed Minimum Value87.5% of premium

Tax DeferralFull deferral

Best for: Conservative investors age 18-85 seeking guaranteed income and principal protect...

First Choice 5

Multi-Year Guaranteed

Guaranteed Income with Tax Deferral & Flexibility

Multi-Year Interest Rate Guarantee4-, 5-, 6-, 7-, or 10-year options

Guaranteed Minimum Withdrawal Value87.5% guarantee

Penalty-Free Withdrawal Privilege15% annually penalty-free

Tax-Deferred GrowthFull tax deferral

Best for: Conservative retirees and near-retirees who prioritize guaranteed income and tax...

Optimum Selection Annuity

Guaranteed rates. Tax-deferred growth. Your retirement, your way.

Guaranteed Fixed Interest RatesVaries by term (1, 3, 5, or 7 years); subject to change before contract issuance

Tax-Deferred GrowthNo annual tax on earnings during accumulation phase

Penalty-Free Withdrawals15% annually, up to 20% with carryover

Decreasing Surrender ChargesFixed 5: 9%-0% over 5 years; Fixed 7: 9%-0% over 7 years

Best for: Conservative investors near or in retirement who prioritize principal protection...

Pathway Choice

Guaranteed Income, Tax-Deferred Growth

Guaranteed Interest RateMultiple rate periods available; minimum guaranteed rate specified in contract

Tax-Deferred GrowthCan result in significantly higher values over 20+ years compared to taxable accounts

Penalty-Free Withdrawals10% annual limit on penalty-free withdrawals

Flexible Income OptionsIncome can begin as early as 3 years after contract issue

Best for: Retirees and near-retirees seeking guaranteed income, principal protection from ...

Pathway Choice Focus NY

Multi-Year Guaranteed

Guaranteed income. Protected principal. Tax-deferred growth.

Guaranteed Interest Rate3, 4, 5, or 7-year options available

Tax-Deferred GrowthExample: $100,000 grows to $180,611 in 20 years vs. $156,969 in a taxable account

Free Withdrawals10% annual limit

Annuitization OptionsAvailable 3+ years after contract issue

Best for: Retirees and near-retirees seeking guaranteed income, protection from market vol...

Pathway Choice Prime NY

Guaranteed growth with protected retirement income

Guaranteed Interest Rate3 to 7 year options available

Tax-Deferred GrowthNo current tax on earnings

Penalty-Free Withdrawals10% annual free withdrawal

Withdrawal Charges3-year: 7%, 4-year: 7-6%, 5-year: 7-5%, 7-year: 7-3%

Best for: Retirees and pre-retirees who want guaranteed income growth, market protection, ...

Power 10 Protector

Fixed Indexed Annuity

Market-linked growth with principal protection

Index Interest AccountsParticipation rates from 16% to 315% depending on index and deposit size

Principal ProtectionMinimum 1.00% annual crediting guaranteed

Rate CapsCaps range from 4.25% to 10.00% on S&P 500 Annual Point-to-Point

Lifetime Income Choice RiderAvailable as add-on to Power 10 Protector Plus Income

Best for: Retirees and near-retirees who want potential market-linked returns but cannot a...

Power 10 Protector

Fixed Indexed Annuity

Index-linked growth with principal protection and optional lifetime income

Index Account Options4 index choices plus 1-year fixed account

Participation Rates25% to 340% depending on index, term length, and account size

Rate Caps5.00%-11.25% depending on account size

Enhanced Participation Rate (EPR)1.50% annual fee

Best for: Investors seeking long-term growth with downside protection who want exposure to...

Power 5 Protector

Fixed Indexed Annuity

Protected Growth + Lifetime Income Guarantee

Principal Protection0% loss in down markets

Index-Linked GrowthS&P 500® performance at 10.49% average annual return

Tax DeferralNo annual taxes on growth

Guaranteed Lifetime IncomeIncome for life, no additional charge

Best for: Retirees and pre-retirees seeking a balance of growth potential, protection from...

Power 7 Protector

Fixed Indexed Annuity

Market-linked growth with principal protection

Index Interest AccountsAnnual or 2-year point-to-point crediting with participation rates from 15% to 340% depending on account and deposit size

Principal ProtectionMinimum rates of 1.00%-2.00% for most index accounts and 1.00% for fixed accounts

Fixed Interest Account4.60%-4.85% for deposits of $100,000+ (current rates)

Enhanced Participation Rate (EPR)1.50% annual fee; participation rates increase by 5-40% depending on account type

Best for: Conservative to moderate investors nearing or in retirement who want tax-deferre...

Power Index 5 NY

Fixed Indexed Annuity

Match or double your interest for lifetime income

Income Multiplier2x before, 1x after activation

Guaranteed Withdrawal RateUp to 7.80% annually for life

Principal Protection0% floor, index-linked upside

Coverage FlexibilityAdjustable at activation or life events

Best for: Individuals age 50 and older seeking guaranteed lifetime income protection combi...

Power Index 5 Plus

Fixed Indexed Annuity

Multiply your interest earned for lifetime income

Double (2x) Income Credits Pre-Activation2x multiplier on interest earned

Match (1x) Income Credits Post-Activation1x multiplier on interest earned

Guaranteed Lifetime IncomeUp to 7.80% annual withdrawal (single life, age 75+)

Coverage FlexibilityAdjustable for changing circumstances

Best for: Individuals age 50-80 seeking guaranteed lifetime income with flexibility to adj...

Power Index 5 Plus

Fixed Indexed Annuity

Match or Double Your Interest for Lifetime Income

Double Multiplier (Pre-Activation)2x interest earned

Match Multiplier (Post-Activation)1x interest earned

Lifetime Income GuaranteeUp to 7.80% per year for single life (age 75+)

Pre-Activation WithdrawalsFlexible access maintained

Best for: People aged 50-80 who are saving for retirement, want principal protection from ...

Power Index 7 Plus

Fixed Indexed Annuity

Protected growth + guaranteed lifetime income for retirement

Principal Protection (Power of Zero)Zero impact on principal from market declines

Tax-Deferred GrowthNo annual tax on interest earned

Index-Based InterestS&P 500 positive 77% of time over last 30 years; average 10.49% annual return

Guaranteed Lifetime Income (Annuitization)No additional charge to annuitize

Best for: Retirees or near-retirees who want principal protection, tax-deferred growth wit...

Power Index 7 Plus

Fixed Indexed Annuity

Protected growth + guaranteed lifetime income

Principal Protection (Power of Zero)100% principal protection

Index-Based Interest CreditingS&P 500 positive 77% of time over 30 years (10.49% avg annual return)

Tax DeferralTax-deferred compounding

Guaranteed Lifetime IncomeNo-cost income guarantee

Best for: Retirees and near-retirees who want to balance growth with security, protect aga...

Power Index Advisory

Fixed Indexed Annuity

Protected growth + guaranteed lifetime income

Principal Protection0% floor on annual returns in down markets

Index-Based GrowthS&P 500 positive 77% of time over 30 years, averaging 10.49% annually

Tax-Deferred AccumulationPotentially more assets available at retirement than taxable alternatives

Guaranteed Lifetime IncomePension-like income for life

Best for: Pre-retirees and retirees who want protection from market losses, tax-deferred g...

Power Index Plus

Fixed Indexed Annuity

Protected Growth + Lifetime Income for Retirement

Downside Protection (Power of Zero)Zero loss in negative markets

Upside PotentialS&P 500 has been positive 77% of the time with 10.49% average annual return (1995-2024)

Tax-Deferred GrowthPotential for greater retirement accumulation

Guaranteed Lifetime IncomePension-like income with no additional cost

Best for: Retirees and near-retirees seeking to balance growth potential with principal pr...

Power Index Plus Income

Fixed Indexed Annuity

Protected growth + lifetime income

Principal Protection0% loss in down markets

Index-Based GrowthS&P 500® averaged 10.49% annually over 30 years

Tax-Deferred Accumulation

Guaranteed Lifetime Income

Best for: Retirees and near-retirees who want growth potential tied to market performance ...

Power Index Premier NY

Fixed Indexed Annuity

NY Index Annuity with Guaranteed Lifetime Income Option

Minimum Accumulation Value (MAV)100% of premiums with MGR applied annually

Lifetime Income Builder RiderNo expressed fee; cost built into product economics

Available IndicesS&P 500, Russell 2000, MSCI EAFE

Penalty-Free WithdrawalsUp to 10% annually or MAWA

Best for: Clients age 50-80 seeking retirement income protection who want exposure to mark...

Power Select AICO

Fixed Indexed Annuity

Protected growth + guaranteed lifetime income

Principal Protection (Power of Zero)0% loss in down market years

Index-Based GrowthS&P 500 positive 77% of the time over 30 years (avg 10.49% annual return)

Tax-Deferred EarningsEarnings taxed only upon withdrawal

Guaranteed Lifetime IncomeIncome for life, similar to a pension

Best for: Retirees or pre-retirees who want to grow retirement savings with market upside ...

Power Select AICO

Fixed Indexed Annuity

Index annuity with 200% overlay multiplier for enhanced growth

Additional Interest Credit Overlay (AICO)200% multiplier, 30% maximum overlay

100% Principal ProtectionFull downside protection

Index-Based Growth Potential5 indices, 6 index interest account options

Guaranteed Return of Premium (GROP)Available after year 2 (surrender) or year 5 (annuitization)

Best for: Retirees and pre-retirees aged 55-75 who want growth potential in their retireme...

Power Select Advisory

Market-linked growth with principal protection

Index Rate Caps5.10%-10.25% depending on rider choice and deposit amount

Participation Rates30%-190% depending on index and rider choice

Principal Protection100% guaranteed

Lifetime Income RidersAvailable with Lifetime Plus Flex and Lifetime Income Plus Multiplier Flex

Best for: Long-term investors nearing retirement or already retired who want stock market ...

Power Select Builder

Fixed Indexed Annuity

Index-linked growth with principal protection

S&P 500 Annual Point-to-Point8.75% cap ($100k+), 7.75% cap (under $100k)

2-Year Point-to-Point Participation Rate45–340% participation depending on index and tier chosen

Principal Protection100% principal guarantee

Multiple Index Options7+ index strategies available

Best for: Investors seeking long-term growth with downside protection, who can tolerate il...

Power Select Plus Income

Fixed Indexed Annuity

Protected growth + lifetime income

Downside Protection (Power of Zero)No loss when index is down

Index-Based Growth PotentialUp to the index rate cap when index is positive

Tax-Deferred AccumulationTax deferral throughout accumulation phase

Guaranteed Lifetime IncomeIncome for life or joint lives

Best for: Retirees or near-retirees who want to grow assets for retirement while protectin...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A

Description

Excellent

Effective

November 10, 2008

Rating Agency

Fitch

Rating

A+

Description

Strong

Effective

February 14, 2013

Rating Agency

Moody's

Rating

A2

Description

Good

Effective

January 13, 2011

Rating Agency

Standard & Poor's

Rating

A+

Description

Strong

Effective

November 10, 2008

Rating Analysis

American International Group (AIG) holds commendable financial strength ratings from leading rating agencies, showcasing its solid financial health and reliability in fulfilling its insurance responsibilities. These ratings signify AIG's robust position in the insurance market, underlining its capacity to support policyholders and meet financial commitments.

Corebridge Financial Products

Fixed Indexed Annuities

Explore Corebridge Financial fixed indexed annuity products with current rates and features.

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Multi-Year Guaranteed Annuities

Compare Corebridge Financial MYGA products with guaranteed rates and terms.

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Immediate Annuities (SPIA)

View Corebridge Financial single premium immediate annuity options.

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Deferred Income Annuities (DIA)

Explore Corebridge Financial deferred income and QLAC products.

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Corebridge Financial Discussions

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