Lock Strategy | Corebridge Financial

COREBRIDGE MARKETLOCK ANNUITY

Easy, automated way to lock in growth

Learn about the Lock Strategy—the only RILA account option today that can lock and credit actual index performance if the growth target is reached. Discover how easy and convenient it can be to lock in actual market gains with the Lock Strategy.

Corebridge MarketLock Annuity is issued by American General Life Insurance Company (AGL), Houston, TX.

Lock in growth based on actual index performance

With the Lock Strategy, you won't need to track index performance or annuity values to lock in growth. Simply choose the Lock Strategy with the index growth target you want--either 30%, 40%, 50%, 75% or 100%. Once this target is reached, gains are automatically locked in. Keep in mind, the Lock Strategy is not a direct investment in the stock market or any index.

Automatically capture gains on the day the growth target is met

The Lock Strategy tracks actual index performance and automatically locks and credits gains once the growth target or "Lock Threshold" is met. For example, if the Lock 50 Strategy is selected and the 50% Lock Threshold is reached, gains will be automatically locked and credited to your account and you will no longer participate in market gains.¹ Please note that there is the potential for loss due to market declines.

¹For gains to be locked in, the Lock Threshold must be reached at market close on any day during the investment term.

Earn fixed interest after lock-in with the flexibility to reallocate on the next anniversary

Your locked-in value is protected against loss and will earn a fixed rate of interest without the potential for further market gains until the next contract anniversary. At that time, you'll have the opportunity to reallocate to any available strategy account option, including the 1-Year Fixed Account. If no reinvestment or reallocation instructions are received prior to the anniversary date, assets will be transferred automatically to the 1-Year Fixed Account.

That’s the power and flexibility of the Lock Strategy!

Ready to take action?

Talk to your financial professional to see if a Corebridge MarketLock Annuity is right for you.

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Important Information

Corebridge MarketLock Annuity is sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract, which should be considered carefully before investing. A prospectus and summary prospectus if available may be obtained by calling 1-877-445-1262. Investors should read the prospectus carefully before investing.

Registered index-linked annuities (RILAs) are long-term insurance products designed for retirement. They are not a direct investment in the stock market or index. RILAs provide the potential for earnings to be credited based in part on the performance of the specified index with the potential for risk of loss of principal due to market downturns or fluctuations. The principal value and returns will fluctuate so that the value when redeemed may be worth more or less than the original cost. RILAs may not be suitable or appropriate for all individuals.

Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract, as well as the amount available upon a full surrender.

Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59 1/2, an additional 10% federal tax may apply. If you fund your IRA with an annuity, you should realize that these types of retirement accounts are already tax-deferred. An annuity provides no additional tax deferred benefit beyond that provided by the retirement account itself. You should only use an annuity in a retirement account if you want to benefit from features other than tax deferral. Please consult with your financial professional and tax advisor regarding your individual situation.

Index options are price return options and do not reflect dividends paid. Strategy account options are subject to change at any time. See the prospectus for more information. Strategy account options are not a permanent part of the contract and may be removed due to circumstances beyond the control of American General Life Insurance Company. Strategy account options may vary by firm and may not be available in all firms or states. Indices are unmanaged, have no identifiable objectives and cannot be purchased.

All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of the issuing insurance company. They are not obligations of or backed by the distributor, insurance agency or any affiliates of those entities and none make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. Products and features may vary by state and may not be available in all states or firms.

Nasdaq^® and Nasdaq-100^® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by American General Life Insurance Company. Corebridge MarketLock Annuity (the “Product”) has not been passed on by the Corporations as to their legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. The Corporations make no warranties and bear no liability with respect to the Product.

The S&P 500^® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”) and has been licensed for use by American General Life Insurance Company (“AGL”) and affiliates. Standard & Poor’s^®, S&P^®, and S&P 500^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by AGL and affiliates. AGL and affiliates’ products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P or their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions or interruptions of the S&P 500^® Index.

Policy form number: ICC24-AG-811 (5/24).
A-6563-WP (10/24)