Pathway Choice Prime NY
Corebridge Financial
4.75%
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
4.75% 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 seven-year surrender ladder, an annual free-withdrawal allowance, and nursing-home, terminal-illness, and surrender waivers.
Best fit
New York buyers who want a flat, contractually guaranteed annual rate locked in for a chosen term (3, 4, 5, or 7 years) from an established A-rated carrier with multi-agency financial-strength coverage, value seeing the surrender ladder, free-withdrawal allowance, and annuitization options on the page before the application, and want a New-York-filed alternative to the carrier's broader Pathway Choice product.
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
- This is the New-York-only filing of Corebridge's Pathway Choice MYGA family — a buyer in New York shopping the Pathway Choice line lands on this filing rather than the 49-jurisdiction filing (Pathway Choice, A0026E). The same New York buyer can also compare it directly against the sibling Pathway Choice Focus NY (A002D8), the other current New York filing in the family, for a side-by-side on term menu, surrender ladder, and rate posture.
- Term menu spans 3, 4, 5, and 7-year guarantee periods inside the same contract, so a buyer can size the lock-in window to a specific planning horizon — short-dated cash reserve, mid-cycle laddered tranche, or longer commitment — and see the term-versus-rate trade-off directly in the rate-by-term section on this page.
- 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), so the strength view is a multi-source read rather than a single-agency assertion.
- Annual free-withdrawal allowance, the nursing-home and terminal-illness waivers, the full surrender ladder, and single-and-joint annuitization are all published directly on this page from the live feed rather than gated behind a sales brochure — a buyer can compare liquidity and conversion terms before the application.
What to confirm
- Available only in New York — buyers in any of the other 49 jurisdictions cannot purchase this filing. The non-New-York counterpart is Pathway Choice (A0026E); New-York buyers should also weigh the sibling Pathway Choice Focus NY (A002D8) before choosing between the two New York filings, because the term menu, surrender ladder, and rate posture differ between them.
- The surrender charge ladder runs a full seven years and starts in the high single digits in year one, stepping down annually — the first-year surrender charge on this filing is noticeably steeper than the non-NY Pathway Choice (A0026E) and steeper than the sibling Pathway Choice Focus NY (A002D8). An unplanned early exit beyond the annual free-withdrawal allowance carries a real cost; this is a multi-year commitment, not a short-term cash equivalent.
- Posted rates on this page reflect the current rate schedule for this filing and the standard scenario premium and issue age the live feed runs — actual deposits in different premium bands or at different issue ages may earn a different guaranteed rate, so the headline does not apply universally. Verify the rate for the specific deposit size and issue age before signing.
- 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 attached — this contract is built for rate certainty over the chosen term within New York, not for legacy enhancement or guaranteed lifetime income.
Not ideal for
Buyers outside New York (the non-NY Pathway Choice, A0026E, applies in 49 jurisdictions), buyers who need short-window liquidity without a surrender charge, buyers who want market-linked upside through index crediting, buyers who need a guaranteed-lifetime-withdrawal rider, or buyers who want a death benefit with roll-up or step-up — none of those are what a New-York-filed MYGA in the Pathway Choice Prime family is built to deliver.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.65% |
| 4-Year | 4.65% |
| 5-Year | 4.75% |
| 7-Year | 4.75% |
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
9%
Yr 2
8%
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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