Pathway Choice
Corebridge Financial
4.8%
7-yr guarantee
10%
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
4.8% guaranteed for 7 years
The multi-state non-New York MYGA in Corebridge's Pathway Choice family from American General Life Insurance Company — flat declared rates across four terms (3, 4, 5, and 7 years) with a 7-year surrender ladder, an annual free-withdrawal allowance, and nursing-home, terminal-illness, and surrender waivers.
Best fit
Buyers outside New York and Idaho who want a flat, contractually guaranteed rate from an established carrier inside the Corebridge group, with the flexibility to pick a 3-, 4-, 5-, or 7-year guarantee period inside a single filing, multi-agency carrier financial-strength coverage, a known annual free-withdrawal allowance, a fully visible 7-year surrender schedule, and the option of single or joint annuitization.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. Idaho, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Term menu is unusually wide for a single MYGA filing — guaranteed rates are published at four distinct durations (3, 4, 5, and 7 years), so a buyer can match the lock-in window to a short, medium, or long planning horizon inside one contract rather than having to choose between separate sibling filings.
- Backed by American General Life Insurance Company (Corebridge Financial) with corroborated financial-strength views across three agencies — A.M. Best, Standard & Poor's, and Moody's — so the carrier strength picture on this page is from multiple recognized sources, not one.
- Annual free-withdrawal allowance is set on the higher end for a MYGA on this site, paired with nursing-home, terminal-illness, and surrender waivers, plus support for both single-life and joint annuitization — penalty-free liquidity rules and conversion options are visible directly on this page rather than gated behind a sales brochure.
- Surrender schedule is a 7-year declining ladder that ends in the same year the longest published guarantee period ends, so the lock-up window matches the contract's longest fixed-rate promise rather than extending beyond it.
What to confirm
- This filing is the multi-state Pathway Choice and is not available in New York or Idaho — the live state feed shows 49 jurisdictions with those two excluded. New York buyers need the sibling Pathway Choice Focus NY filing (an NY-only contract built around a milder declining surrender ladder); buyers in Idaho cannot purchase this contract at all and need a different MYGA. Confirm availability for the state of issue before relying on this product in a plan.
- Surrender charges run a full 7 years and the first three years all carry the same top charge before the ladder begins to step down — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost for longer than the typical first-year-only peak, so this is a multi-year commitment, not a short-term cash equivalent.
- 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 the chosen term, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers in New York (the sibling Pathway Choice Focus NY is the New York filing), buyers in Idaho (this contract is unavailable there), buyers who need a 10-year fixed-rate horizon, 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 multi-term MYGA built around a 7-year maximum lock-up is a fixed-rate deferred contract, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.8% |
| 4-Year | 4.8% |
| 5-Year | 4.8% |
| 7-Year | 4.8% |
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
7%
Yr 2
7%
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
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