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American Pathway® Deferred Income Annuity 

Help ease uncertainty about retirement income with the American Pathway Deferred Income Annuity.


Making one lump-sum payment now can guarantee your income stream in the future. With payment adjustment options, this annuity can guarantee income for retirement – whether you need it one year from now, or decades down the road.

Potential Benefits of the American Pathway  Deferred Income Annuity

A Predictable Income Stream You’ll Never Outlive

Help ease the uncertainty of your income in retirement with an annuity that allows you to purchase a source of income that can begin in as few as 12 months, or up to 30 years from now.

Help Meet Your Needs – Today and Tomorrow

The American Pathway Deferred Income Annuity can offer a guaranteed income stream for life, with deferred income payment options tailored to help fit your specific needs. And the longer you defer, the higher your income may be.

Product Details

Adjust Your Income Start Date

You can accelerate or defer the first payment date within five years of the original income start date as long as it complies with the minimum and maximum deferral periods. This feature may be chosen one time.

Payment Recipient Flexibility

You can choose who receives your annuity payments, with options available to designate your account to a beneficiary, even in the event of early death.

Commutation Withdrawal Benefit

If you unexpectedly need access to fund beyond scheduled income payments, you may select a one-time withdrawal up to 100% of the current value of the remaining guaranteed income payments as a lump sum .* Commutation withdrawal benefit may not be available in some states, including New York.


Death Benefit Options

When you purchase your annuity, you may select an optional death benefit that will be paid to your beneficiary, should you die prior to receiving your first payment. For a given premium payment, income will be lower if a death benefit is selected. Should you die after the first payment, any remaining annuity benefit will be paid in accordance with the payment option selected.

Contract Options

Contracts can be purchased as a qualified, nonqualified, Roth IRA or as a Qualified Longevity Annuity Contract (QLAC).

Learn More About American Pathway Deferred Income Annuity

It Takes Only One Premium Payment

Help ease the uncertainty of your future retirement with this single premium, deferred income annuity that’s issued by American General Life Insurance Company or, in New York, by The United States Life Insurance Company in the City of New York.

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.

*The company expects to report the full amount of the lump-sum payment as fully taxable for the year of the payment, and recalculate the exclusion ratio for the remaining payments. For nonqualified annuity contracts, this may limit or alter the policy owner’s ability recapture the investment in the contract over the annuity payment period. The company makes no representations and provides no advice as to the ultimate tax treatment of any annuity distribution transition, and you wish to consult with a tax advisor prior to exercising a withdrawal feature under an income annuity.

With some exceptions, in exchange for higher payments, an income annuity permanently converts principal to a guaranteed income stream.

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 aforementioned 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 for 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.

AGLC106230, AGLC106377, AGLC106376, AGLC106382, WBR 2/16


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