Pathway Choice Focus NY
Corebridge Financial
4.55%
5-yr guarantee
10%
Free W/D
New York
Only state
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
4.55% guaranteed for 5 years
The New-York-only filing in Corebridge's Pathway Choice MYGA family from American General Life Insurance Company — flat declared rates at 3, 4, 5, and 7-year terms with a 7-year linear surrender ladder, an annual free-withdrawal allowance, and nursing-home, terminal-illness, and surrender waivers.
Best fit
New York residents who want a flat, contractually guaranteed rate locked in for a 3, 4, 5, or 7-year term from an established carrier with multi-agency 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
New York only
Product analyst notes
How to think about this contract
Why it can stand out
- Filed and approved for sale in New York — this is the NY-specific filing of the Pathway Choice family, built to comply with the New York Department of Financial Services rules that the multi-state Pathway Choice filing cannot satisfy. New York buyers who otherwise see 'not available in NY' messaging on the multi-state sibling can actually purchase this contract.
- Four term choices on a single filing — 3, 4, 5, and 7 years — let a buyer pick the exact horizon they want a flat declared rate locked for, instead of being forced into a single term length.
- Surrender schedule is a milder 7-year linear ladder that steps down each year (a softer early-year charge than the multi-state Pathway Choice sibling's harsher front-loaded schedule) — an unplanned early exit beyond the annual free-withdrawal allowance is still costly, but less punishing in years one through three than the non-NY sibling filing.
- 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 — and the contract carries nursing-home, terminal-illness, and surrender waivers plus single- and joint-life annuitization options.
What to confirm
- Available only in New York — buyers in any other state cannot purchase this filing. The multi-state Pathway Choice (a separate filing) covers the other 49 jurisdictions and has a different surrender schedule and rate sheet. Confirm the contract being illustrated matches the buyer's state of residence.
- Surrender charges run a full 7 years before the contract becomes penalty-free, so the total lock-up window extends beyond every published guarantee period — even after a 3- or 5-year guarantee ends the contract can still carry a surrender charge into year 7. 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 contractual 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 flat rate certainty over the chosen term, not for legacy enhancement, market-linked upside, or guaranteed lifetime income.
Not ideal for
Buyers outside New York (the multi-state Pathway Choice sibling covers the other 49 jurisdictions), buyers who need a guarantee period longer than 7 years, short-window liquidity inside the 7-year surrender ladder, market-linked upside through index crediting, a guaranteed-lifetime-withdrawal rider, or a death benefit with roll-up or step-up — a NY MYGA filing is a fixed-rate deferred contract built around a lead-term lock-in window, not any of those things.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.45% |
| 4-Year | 4.3% |
| 5-Year | 4.55% |
| 7-Year | 4.55% |
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
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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