American Pathway Advisory
Corebridge Financial
5%
7-yr guarantee
10%
Free W/D
48
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
5% guaranteed for 7 years
The advisory-share multi-year guaranteed annuity in the American Pathway family from American General Life (Corebridge Financial) — flat declared rates at 3, 5, and 7-year terms, no surrender schedule, an annual free-withdrawal allowance, and single or joint annuitization, issued by a carrier rated by AM Best, S&P, and Moody's.
Best fit
Fee-based advisor clients who want a flat, contractually guaranteed rate at a 3, 5, or 7-year term from a multi-agency-rated carrier and value not being locked in by a surrender schedule — the deposit sits inside an advisory relationship rather than a commission-driven suitability sale.
AM Best
A Excellent
Free withdrawal
10%/yr
Availability
48 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Built for the fee-based advisory channel — there is no surrender schedule on this filing, so the deposit is never locked in by a CDSC. A buyer can move premium out under contract terms without the multi-year early-exit penalty that a commissioned MYGA carries, which is the structural feature that defines an advisory-share MYGA versus a retail MYGA.
- Issued by American General Life Insurance Company (Corebridge Financial) with concurrent financial-strength ratings from AM Best, S&P, and Moody's — carrier solvency view is corroborated across three agencies rather than a single source.
- Published guaranteed rates at three distinct terms (3, 5, and 7 years), so a buyer can match the lock-in window to a real planning horizon — short, medium, or longer — rather than being forced into a single carrier-preferred term.
- Annual free-withdrawal allowance runs alongside the contract from issue, with single and joint annuitization both supported and qualified and non-qualified funds accepted — the liquidity and conversion rules are visible on this page, not buried in a brochure.
What to confirm
- This is an advisory-share filing — it is intended to be held inside a fee-based advisor relationship, not a commissioned suitability sale. A buyer without a fiduciary advisor charging a separate asset-based fee is not the audience for this contract; the retail Pathway filings (Fixed 5, Fixed 7, Vision MYG) are the commissioned alternatives.
- The filing is restricted — California, Idaho, and New York are not on the carrier's list for this contract, so a buyer in any of those three states will need a different product. The contract is offered in the remaining jurisdictions; the live-feed availability count on this page is the source of truth.
- 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 contract value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider on this filing — this contract is built for rate certainty inside a fee-based portfolio, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers without a fee-based advisor, residents of California, Idaho, or New York, and buyers who need market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — an advisory MYGA is a fixed-rate deferred contract sold through a fee channel, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 5% |
| 5-Year | 5% |
| 7-Year | 5% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
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
Yr 0
0%
After
0%
Carrier Ratings
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