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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.>
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
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††
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††
American Pathway Advisory offers tax-deferred growth, meaning that no income taxes are paid until earnings are withdrawn.^^ This benefit allows the annuity’s assets to compound over time and potentially grow faster than certificates of deposit (CDs) and other taxable fixed income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‡‡††
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Before the first contract anniversary: Up to 10% of the premium may be withdrawn without incurring a MVA.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.
No withdrawal charges. Market Value Adjustment may apply.
* 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.
†† 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.
