Assured Edge Income Builder
Corebridge Financial
2.45%
7-yr guarantee
10%
Free W/D
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
7-year guaranteed rate
2.45% guaranteed for 7 years
A seven-year multi-year guaranteed annuity from a tri-agency-rated American General / Corebridge filing, with a single seven-year guarantee period, a surrender ladder that matches the guarantee length one-for-one, a published per-year free-withdrawal allowance, and four named surrender-charge waivers (activities of daily living, nursing home, terminal illness, RMD).
Best fit
Safety-first buyers who want a known, contractually guaranteed annual rate for a defined seven-year term from a tri-agency-rated Corebridge carrier, are comfortable matching the surrender window to the guarantee window, and value having named life-event waivers and a published free-withdrawal allowance as built-in liquidity inside an otherwise fully-committed term.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Product analyst notes
How to think about this contract
Why it can stand out
- Tri-agency carrier financial-strength rating — A.M. Best, Standard & Poor's, and Moody's are all listed for American General on this page, so a buyer locking principal for the full seven-year guarantee period can verify the strength view across more than one rating agency rather than relying on a single source.
- Single-term, single-purpose filing — the contract publishes one guarantee period (seven years) with a surrender ladder that matches the guarantee length exactly, so there is no mismatch between the rate-lock window and the surrender window. A buyer who completes the seven-year term exits without a surrender charge rather than rolling into a residual penalty tail.
- Four published surrender-charge waivers — activities of daily living, nursing home confinement, terminal illness, and required-minimum-distribution withdrawals — give a buyer named exits from the surrender schedule for the life events most likely to force an early withdrawal, in addition to the standard published free-withdrawal allowance.
- Both qualified and non-qualified funding are supported under the same filing, with single and joint annuitization options at the end of the term, so a buyer does not need a different contract to hold IRA money versus after-tax money or to elect a joint-life payout structure later.
What to confirm
- Only one guarantee period is offered on this filing — seven years. There is no shorter (three- or five-year) or longer (ten-year) option to ladder against within the same product, so a buyer who wants a different planning horizon will need to compare a different filing rather than picking a term inside this one. Corebridge offers a separate longer-dated sibling (Assured Edge Income Achiever) for buyers wanting a longer rate lock.
- The entire value proposition is the declared guaranteed rate for the seven-year term — there is no premium bonus, no return-of-premium feature, and the death benefit is the standard contract value (subject to applicable surrender treatment), so a beneficiary receives the account value rather than a stepped-up or rollup-enhanced value. Buyers who specifically want an enhanced death benefit or a bonus should look at a different filing.
- The surrender-charge ladder runs the full seven years, starting in the high single digits in the first contract year and stepping down one point per year through the final year. A buyer who may need to exit before the end of the guarantee period should price the early-exit charge against the guaranteed rate before committing principal, and should not assume the published free-withdrawal allowance covers a planned full withdrawal.
- Despite the 'Income Builder' product name, this contract does NOT carry a guaranteed-lifetime-withdrawal rider or any published lifetime-income payout rate — the live feed's income-rider list is empty. Buyers who specifically need a contractually published GLWB withdrawal rate should look at a rider-led FIA or a SPIA/DIA, not this MYGA. The 'Income Builder' label refers to predictable accumulation that can later be annuitized into a stream of payments.
Not ideal for
Buyers who want a guaranteed-lifetime-withdrawal income rider (this is a fixed-rate MYGA, not a rider-led income product despite the 'Income Builder' marketing name), need a shorter or longer guarantee period than seven years, expect a premium bonus or a return-of-premium feature, want a stepped-up or rollup-enhanced death benefit, or cannot commit principal to a full seven-year term.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 7-Year | 2.45% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
4Activities of daily living, Nursing home waiver, RMD 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
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a personalized Assured Edge Income Builder illustration
See year-by-year projections for your specific age, premium, and income goals.