corebridge-logo-light-1

Why annuities from Corebridge Financial?

Corebridge Financial1 makes it possible for more people to take action in their financial lives. They offer expansive solutions to help secure financial futures, as well as industry experts all-in on your success, and experiences and resources to drive action.

With more than $390B in assets under management and administration as of June 30, 2024, Corebridge is one of the largest providers of retirement solutions and insurance products in the United States. Corebridge proudly partners with financial professionals and institutions to help individuals plan, save for, and achieve secure financial futures.

The insurance rating agency of AM Best recently affirmed Corebridge's financial strength rating of A (Excellent).2 The rating reflects its balance sheet strength, strong operating performance, favorable business profile, and appropriate enterprise risk management.>

Carrier products available through Flourish Annuities*

Product

Rate<††

Term††

Penalty-free withdrawals††

American Pathway Advisory 3

4.70% ($250k+)
4.60% ($100k+)
4.00% ($25k+)

3 years

Available starting in year 1

American Pathway Advisory 5

4.60% ($250k+)
4.50% ($100k+)
4.00% ($25k+)

5 years

American Pathway Advisory 7

4.60% ($250k+)
4.50% ($100k+)
4.00% ($25k+)

7 years

What is the American Pathway Advisory MYGA?

American Pathway Advisory is a single premium, tax deferred fixed annuity that offers multi-year guaranteed interest rate terms of either three, five, or seven years to help clients accumulate assets for retirement.

This product offers:

icon-unlock-1

Enhanced flexibility

The fixed annuity has no withdrawal charges, giving clients access to their money and making it easier for RIAs to manage assets, should needs or circumstances change.3††

icon-protection-2

Protection from loss

Since American Pathway Advisory is not invested in equities or fixed income, you have the security of knowing that principal and earnings will not be vulnerable to market risk and will not decline due to a down market.3††

icon-tax-deferral-2

Tax-deferred growth

American Pathway Advisory offers tax-deferred growth, meaning that no income taxes are paid until earnings are withdrawn.^^ This benefit allows the annuity’s assets to compound over time and potentially grow faster than certificates of deposit (CDs) and other taxable fixed income investments.4‡‡††

American Pathway Advisory product information5††

Guaranteed periods

3, 5, or 7 years

Issue ages

3-year and 5-year MYGA: 18-90 years

7-year MYGA: 18-88 years

Premium3

Minimum of $25,000 and maximum of $2,000,000

Availability

Available in all states except CA, ID, and NY

Death Benefit

If the owner dies before annuitization or surrender, the beneficiaries will receive at least the full contract value, with no market value adjustment (MVA) applied.

Penalty-free Withdrawals

Before the first contract anniversary: Up to 10% of the premium may be withdrawn without incurring a MVA.

After the first contract anniversary: Up to 10% of the previous anniversary contract value may be withdrawn without incurring a MVA.

During the 60-day renewal period (at the end of each guarantee period): No MVA will be imposed on any full or partial withdrawals.

Extended care waiver

After the first contract year, if the owner is confined to a nursing home or other long-term care facility for at least 90 consecutive days, up to 100% of the contract value can be withdrawn without incurring a MVA. To receive the extended care waiver, the owner cannot be confined on the contract issue date or be over age 85.

Terminal Illness Waiver

If the owner is initially diagnosed with a terminal illness after the contract issue date, one partial or a full withdrawal can be taken without incurring a MVA.

Market Value Adjustment (MVA)

Subject to the exceptions stated in the contract, an MVA will be applied if part or all of the contract value is withdrawn above any allowable free amount. The MVA can be positive or negative.

Withdrawal charges‡‡

No withdrawal charges. Market Value Adjustment may apply.

Click here to download more information

Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Crypto is offered by Paxos Trust Company, LLC, a New York limited purpose trust company regulated by the New York Department of Financial Services that provides custody and execution services for the Flourish Crypto accounts, and Flourish Digital Assets LLC, registered in New York as a commodity broker-dealer and provides website and other services and support for Flourish Crypto accounts. Paxos is not an affiliate of Flourish. Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC, where applicable, and to Flourish Insurance Agency LLC in its capacity as a licensed insurance producer providing insurance services related to such platform. Flourish Insurance Agency LLC does business in California under the name Flourish Digital Insurance Agency. An annuity is an insurance contract. Annuities shown on the platform are sold through Flourish Insurance Agency LLC, a licensed insurance producer, with offices in Jersey City, New Jersey, and are issued by one or more approved licensed life insurance companies. The Flourish entities mentioned above are affiliates. Flourish Cash, Flourish Crypto, and Flourish Annuities accounts are separate accounts and only assets in Flourish Cash accounts may be eligible for protection by the FDIC or SIPC. Please review the Legal section of our website, and the disclosures provided with each Flourish service or product, for further information. If you were introduced or invited to Flourish by an investment advisor or other third party, please be aware that, unless otherwise disclosed to you, they are not affiliated with any Flourish entity. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2024 Flourish. All rights reserved.

* Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC, where applicable, and to Flourish Insurance Agency LLC in its capacity as a licensed insurance producer providing insurance services related to such platform, and where applicable, the individual annuity contracts intended to be purchased by individual clients of registered investment advisors (“RIAs”). Flourish Insurance Agency LLC does business in California under the name Flourish Digital Insurance Agency.

An annuity is an insurance contract. Annuities shown on the platform are sold through Flourish Insurance Agency LLC, with offices in Jersey City, New Jersey, a licensed insurance producer, and are issued by one or more approved licensed life insurance companies. The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company. This is not a proposal or a solicitation to purchase insurance. Flourish Annuities is not available to New York residents.

> View AM Best’s Guide to Financial Strength Ratings for a full description of its rating scale and categories and to compare where a particular insurer's ranking falls within the total number of categories. https://www.ambest.com/ratings/guide.pdf

^^ Flourish Insurance Agency LLC and its Flourish affiliates, and issuing insurance companies do not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Applicants and purchasers should consult your own tax, legal and accounting advisors before engaging in any transaction.

‡‡ Any withdrawals taken prior to the Contract Owner reaching the age of 59½ may also be subject to a 10% federal tax penalty, in addition to ordinary federal and state income taxes. The Contract Owner should seek legal and tax advice before making withdrawals prior to age 59 ½.

†† The issuing insurance company, not any Flourish company, is solely responsible for its own financial and contractual obligations. All benefits and guarantees of the annuity contract are subject to the claims paying ability of the issuing insurance company.

< Rates displayed here are subject to change at any time, including a downward change.

1 Annuities are issued by American General Life Insurance Company (AGL). AGL is a wholly-owned subsidiary of Corebridge Financial, Inc. Guarantees are backed by the claims-paying ability of, and financial obligations of insurance products are the responsibility of, AGL.

American Pathway Advisory annuities offered here are fixed annuities only.

2 Corebridge Financial: AM Best rating affirmed June 1, 2024

3 Withdrawals may be subject to a market value adjustment, which can increase or decrease the value of the annuity, depending on the interest rate environment.

4 CDs and fixed annuities have different objectives, risk tolerance levels and time horizons. For example, CDs are insured by the Federal Deposit Insurance Corporation (FDIC), while fixed annuities are not. Consumers should consult with their financial professional or agent to see which financial products may be best for their individual circumstances.

5 Annuities are issued by American General Life Insurance Company (AGL), Houston, Texas. American Pathway Advisory Contract Numbers: ICC23-AG-810 (7/23) and AG-810 (7/23). AGL is a member company of Corebridge Financial, Inc. The underwriting risks, financial and contractual obligations, and support functions associated with the annuities issued by AGL are its responsibility. AGL does not solicit, issue, or deliver policies in the state of New York. Annuities and riders may vary by state and are not available in all states. This material is not intended for use in the states of Idaho and New York.