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American Pathway® Fixed 5 Annuity

It’s never too soon – or too late – to start building income for the future.


This single-premium, tax-deferred fixed annuity provides the safety of principal, a guaranteed interest rate, and can provide an income stream for life. It’s designed for long-term financial goals, and offers a conservative addition to your retirement savings.

Potential Benefits of American Pathway Fixed 5 Annuity

Guaranteed Return-of-Premium and Interest Rate

Your fixed annuity offers predictability with a guaranteed initial interest rate for a term selected. In addition, we offer an optional return-of-premium guarantee.1

Lifetime Retirement Income

In addition to tax-deferred growth and no up-front sales charges or administrative fees, the American Pathway Fixed 5 Annuity includes an income option that converts the contract balance into a guaranteed income stream for life through annuitization.2

1 If the return-of-premium guarantee is selected, the annuity may be returned at any time for an amount equal to the single premium paid, less prior withdrawals, or the withdrawal value (annuity value less any applicable early withdrawal charges), whichever value is greater. Adding this feature will result in a slightly lower initial interest rate than a contract without the feature would receive.

2 Annuitization permanently converts your principal into an income stream. Once annuitization begins, you will no longer have access to your principal as a lump sum.

Product Details

Guaranteed Minimum Renewal Rate

Regardless of future economic conditions, your annuity is guaranteed to renew at or above the minimum interest rate, which is listed in your contract or applicable endorsement(s).

Penalty-Free Withdrawal Privilege

After 30 days from the contract date, you can take multiple penalty-free withdrawals each year as long as the total doesn’t exceed the greater of accumulated interest earned, or 15 percent of the previous anniversary annuity value. If you don’t use all of the 15 percent free withdrawal percentage in a contract year, you may carry over the unused portion to the next contract year up to a maximum of 20 percent of the annuity value.

lnterest Rate Guarantee Options

You can guarantee the initial interest rate on your single premium for one, three, or five years that may include an interest rate enhancement or an up-front premium bonus payable on the contract date. (In New York, the only enhancement available is the up-front premium bonus.)

With a five-year interest rate option, you can select a Market Value Adjustment (MVA) option. In addition to early withdrawal charge fees, withdrawals above permitted amounts made during the MVA term will also be subject to a market value adjustment.

Market Value Adjustment

A market value adjustment applies in the event of early and/or excess withdrawal during the MVA term period. The adjustment can either increase or decrease the withdrawal amount depending on the current interest rate environment. When interest rates at the time of a withdrawal are higher than the level at time of purchase, the MVA will result in a deduction. If interest rates are down significantly, a positive MVA will be added.

Should a negative adjustment apply, the amount charged will not result in your receiving less than the premium(s), less any prior withdrawals (including applicable withdrawal charges and any MVA), accumulated at the guaranteed minimum interest rate. MVA does not apply to withdrawals representing free withdrawal amounts, premium guarantee (if applicable), or death benefit. The Treasury Constant Maturity Series reported by the Federal Reserve is used to measure rates.

Start Building Income for the Future

Help Achieve Your Long-Term Financial Goals

The American Pathway Fixed 5 Annuity offers a conservative path to helping build a secure retirement down the road.

Talk to Your Financial Professional

Ask your financial professional for more information about annuity solutions that can help you establish a reliable retirement income source.

Annuities issued by American General Life Insurance Company (AGL), except in New York where issued by The United States Life Insurance Company in the City of New York (US Life).

Products and riders may vary by state or may not be available in all states.

The above insurance companies are members of American International Group, Inc. Contract and optional guarantees are backed by the claims-paying ability of the issuing insurance company.

"AIG" is a marketing name used with products issued by AGL and US Life.

The Company, its distributors and representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.

S116,R342-06, R347-06, R384-05, R389-06, R391-06, S116-NY, R342-06-NY, R348-06-NY,
R371-05-X, R389-06-NY, R391-06-NY


Not FDIC or NCUA/NCUSIF Insured. May Lose Value - No Bank or Credit Union Guarantee - Not a Deposit - Not Insured by any Federal Government Agency