American Pathway Vision MYG
Corebridge Financial
5%
10-yr guarantee
15%
Free W/D
49
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 10 years
The multi-term filing in Corebridge's American Pathway MYGA family from American General Life Insurance Company — flat declared rates published at 4, 5, 6, 7, and 10-year terms on a single contract, with a 10-year surrender ladder, an annual free-withdrawal allowance, and nursing-home, terminal-illness, and activities-of-daily-living surrender waivers.
Best fit
Buyers who want a flat, contractually guaranteed rate but want to choose a fixed-rate lock-in window anywhere from 4 to 10 years inside one filing, from an established carrier with multi-agency financial-strength coverage, with a known annual free-withdrawal allowance, a fully visible surrender schedule, and single or joint annuitization optionality.
AM Best
A Excellent
Surrender period
10 years
Free withdrawal
15%/yr
Availability
49 jurisdictions (excl. Idaho, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- The widest term menu in the American Pathway MYGA family — Vision MYG publishes guaranteed-period rates at 4, 5, 6, 7, and 10 years on a single filing, where the sibling Fixed 5 stops at 5 years and Fixed 7 stops at 7 years. A buyer who wants to pick a fixed-rate lock-in window anywhere from a short 4-year horizon to a long 10-year horizon can do that inside one contract rather than choosing among separate filings.
- 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 — rather than a single source.
- Annual free-withdrawal allowance is set on the higher end for a MYGA on this site, paired with nursing-home, terminal-illness, and activities-of-daily-living surrender-charge waivers, plus support for both single-life and joint annuitization — penalty-free liquidity rules and conversion options are visible on this page, not gated behind a brochure.
- Surrender schedule is a declining 10-year ladder that ends in the same year the longest published guarantee period ends, so the lock-up window does not extend past the contract's longest fixed-rate promise.
What to confirm
- Surrender period is a full 10 years with a meaningful first-year charge — that is three years longer than the sibling American Pathway Fixed 7 and five years longer than the Fixed 5, so Vision MYG's longest-term rate is bought with a longer lock-up. The longer fixed-rate horizon is not free; it costs liquidity beyond what the single-term sibling filings demand.
- Vision MYG publishes multiple guaranteed rates at the same term across the rate feed — the rate that applies depends on premium band, issue age, and other scenario inputs, so the headline does not apply universally. Verify the rate for the actual deposit size and issue scenario before signing.
- Filing is unavailable in two states on the live state feed (Idaho and New York are excluded) — buyers in those 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.
- 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 the chosen term, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers who need a shorter surrender window than 10 years even on the lead term (the sibling American Pathway Fixed 5 and Fixed 7 are the shorter-lock-up filings), 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 long-term 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 |
|---|---|
| 4-Year | 4.15% |
| 5-Year | 4.65% |
| 6-Year | 4.15% |
| 7-Year | 4.65% |
| 10-Year | 5% |
Key Features
Free withdrawal
15%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Activities of daily living, Nursing 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
Yr 1
8%
Yr 2
8%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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