Future Achiever
Corebridge Financial
25%
5-yr guarantee
10%
Free W/D
50
Jurisdictions
Live product data
Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
0.25% guaranteed for 5 years
A multi-year guaranteed annuity from American General Life Insurance Company (Corebridge Financial) with flat declared rates at 3- and 5-year guarantee terms, a 3-year surrender ladder, an annual free-withdrawal allowance, and nursing-home, terminal-illness, and surrender waivers.
Best fit
Buyers who want a flat, contractually guaranteed rate locked in for a short-to-mid 3- or 5-year horizon from an established carrier with multi-agency financial-strength coverage, value a surrender window that closes before the longest guarantee period ends, and want a published annual free-withdrawal allowance plus single or joint annuitization on a contract sized for a defined planning horizon.
AM Best
A Excellent
Surrender period
3 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Two guarantee-period choices (3-year and 5-year) sit under the same Future Achiever filing, so a buyer can match the lock-in length to a near-term planning horizon — either a short-dated cash reserve or a mid-cycle laddered tranche — and the rate-by-term section on this page shows the term/yield trade-off directly without leaving the product.
- The surrender window is shorter than the longest guarantee period — the live feed publishes a 3-year surrender ladder while the contract supports a 5-year guarantee term, so a buyer choosing the 5-year option is out of any surrender-charge exposure well before the guarantee period ends. That is unusual for a MYGA and worth noting.
- 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 read.
- Penalty-free liquidity rules are visible on this page, not gated behind a brochure — an annual free-withdrawal allowance is published in the live feed alongside nursing-home, terminal-illness, and surrender waivers, plus support for both single-life and joint annuitization.
What to confirm
- Term menu tops out at 5 years — buyers who want a 7- or 10-year fixed-rate lock-in cannot get that horizon from this filing. The sibling Foundation Annuity filing in the same Corebridge MYGA family covers the longer 7-year horizon; Future Achiever does not. Confirm the contract being illustrated matches the desired lock-in window.
- Surrender charges in the first contract year are in the high single digits before stepping down, so an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost in the early years even though the overall surrender window is short — this is a contractual commitment, not a short-term cash equivalent.
- The death benefit on this filing is the standard contractual beneficiary value with no roll-up or step-up enhancement, and there is no guaranteed-lifetime-withdrawal rider on the contract — Future Achiever is built for rate certainty over the chosen term, not for legacy enhancement or guaranteed lifetime income.
- Posted rates on this page reflect the live MYGA rate feed for this productId and may move as the carrier updates its declared rates — re-check the rate-by-term section close to the application date rather than relying on a previously quoted figure.
Not ideal for
Buyers who need a 7- or 10-year fixed-rate horizon (the sibling Foundation Annuity covers 7 years; for longer commitments a different filing is needed), full unrestricted liquidity during the early surrender years, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a 3- or 5-year MYGA is a fixed-rate deferred contract built around a short-to-mid window, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 25% |
| 5-Year | 25% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing 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
7%
Yr 3
7%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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