American Pathway Fixed 7 Annuity
Corebridge Financial
4.8%
7-yr guarantee
15%
Free W/D
52
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
4.8% guaranteed for 7 years
A 7-year multi-year guaranteed annuity from American General Life (Corebridge Financial) at an A.M. Best A rating, offering a flat declared rate locked for a 7-year guarantee period with an annual free-withdrawal allowance, nursing-home and terminal-illness waivers, and a 7-year surrender ladder.
Best fit
Buyers who want a flat, contractually guaranteed rate locked in for a full 7-year horizon from an A-rated carrier inside the Corebridge group, with a known annual free-withdrawal allowance, a fully visible surrender schedule that matches the guarantee period, and single or joint annuitization optionality.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
15%/yr
Availability
52 jurisdictions (excl. Idaho, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Lead-term horizon is the longest in the American Pathway Fixed family — this filing publishes a 7-year guaranteed period that the sibling American Pathway Fixed 5 does not offer, so a buyer who wants to lock a flat declared rate for a full 7 years through Corebridge gets that term from this contract, not the Fixed 5.
- Backed by American General Life Insurance Company (Corebridge Financial) with corroborated financial-strength views across three agencies — A.M. Best, S&P, and Moody's all rate the carrier, so the financial-strength picture is not coming from a single source.
- Annual free-withdrawal allowance is set on the higher end for a MYGA on this site, plus nursing-home and terminal-illness charge waivers and both single-life and joint annuitization options — penalty-free liquidity rules and conversion options are visible on this page, not gated behind a brochure.
- Surrender schedule is a 7-year declining ladder that ends in the same year the 7-year guarantee period ends, so the lock-up window matches the contract's longest fixed-rate promise rather than extending beyond it.
What to confirm
- Surrender charges run a full 7 years with a meaningful first-year charge — that is two years longer than the sibling American Pathway Fixed 5, so the longer fixed-rate horizon is bought with a longer lock-up. The longer-term rate is not free; it costs liquidity for two extra years before the schedule fully releases.
- Filing is unavailable in two jurisdictions on the live state feed — buyers in those excluded states cannot purchase this contract and need a different MYGA. Confirm availability for the state of issue before relying on this product in a plan.
- 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 beneficiary 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 over a 7-year window, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers who need a shorter 3-to-5-year surrender window (the sibling American Pathway Fixed 5 is the shorter-lock-up filing), short-window liquidity beyond the annual free-withdrawal allowance, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a 7-year MYGA is a fixed-rate deferred contract built around a long lock-up, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 1-Year | 6.947% |
| 3-Year | 5.5% |
| 7-Year | 4.8% |
Key Features
Free withdrawal
15%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Premium bonus
100%Bonus terms can vary by state, premium band, and rider election.
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 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
Get a personalized American Pathway Fixed 7 Annuity illustration
See year-by-year projections for your specific age, premium, and income goals.