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Are you a Registered Investment Advisor (RIA), Investment Advisor Representative (IAR), or a supervised person of an RIA? 

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American Pathway AdvisorySM

Add certainty and flexibility

Help clients lock in growth for 3, 5 or 7 years, and make it easy for them to maintain or change terms at renewal using American Pathway AdvisorySM, a single premium tax deferred fixed annuity with multi-year guarantee (MYG) and no withdrawal charges1.

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Additional information

Tax deferral with no Contingent Deferred Sales Charge (CDSC)

American Pathway Advisory fixed annuity has no withdrawal charges,1 so clients will have access to their money, should their needs or circumstances change.

  • You may take multiple penalty-free withdrawals (without MVA) each year not exceeding 10% of the previous anniversary contract value (premium amount if withdrawn during the first contract year).
  • Withdrawals may be subject to federal and/or state income taxes. A 10% federal early withdrawal tax penalty may apply if taken before age 59½ in addition to ordinary income tax. Partial withdrawals may reduce benefits and contract value.

An advisory annuity solution with 3, 5, & 7-year rate terms at issue

Clients can lock in growth for three, five or seven years, and at the end of each guarantee period, clients will have the option to renew or change terms without having to fill out a new application or purchase a new contract.

  • The initial interest rate on the single premium is guaranteed for either three, five or seven years, depending on the option selected.
  • A one-year interest rate option is also available only after the initial interest rate guarantee expires.

1. Market value adjustments may apply.

Annuities are long-term products designed for retirement. Retirement accounts such as IRAs can be tax deferred regardless of whether or not they are funded with an annuity. The purchase of an annuity within an IRA does not provide additional tax-deferred treatment of earnings. However, annuities do provide other features and benefits.

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