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Customize your allocation
Choose from diverse strategy account options with varying levels of upside potential and downside protection to help build a personalized portfolio that fits your needs and preferences.
Lock in growth
Take advantage of multiple ways to help capture growth, including a one-of-a-kind Lock Strategy that locks and credits actual index performance before the end of the term if the growth target is met.*
Ease downside risk
Reduce the impact of market losses through a “buffer” that protects against loss up to a certain percentage. You’ll incur a loss if the index decline exceeds this buffer rate.
MarketLock offers a wide range of investment options (also known as “strategy account options”) to help capture growth in up markets, while providing targeted protection against downside risk. It features the power of tax deferral to help you accumulate assets over time, along with death benefit options to help provide for your family in difficult times.
MarketLock offers the only Lock Strategy in a RILA that automatically tracks, locks and credits actual index performance prior to the end of the term. Select from the Lock 30, Lock 40, Lock 50, Lock 75, and Lock 100 Strategies, each with a different growth target ranging from 30% to 100%. The Lock Strategies are designed to help capture growth by tracking actual S&P 500® index performance on a daily basis and automatically locking in gains when the growth target or “Lock Threshold” is reached.
With MarketLock, you can allocate assets across a large variety of strategy account options and a fixed interest account. Choose from Lock, Cap, Trigger, Dual Direction with Cap, Dual Direction Trigger with Cap, Participation and Cap, Enhanced Participation and Cap, and Cap Secure Strategies. For each strategy account option, MarketLock offers a buffer that can help protect against loss up to a specified percentage (10, 20 or 100%). If negative index performance falls within the buffer, you incur no loss. If it falls beyond the buffer rate, your loss is equal to the percentage that exceeds it. Keep in mind, strategy account options vary by firm and may not be available in all firms or states.
Yes, MarketLock offers four index options, allowing you to vary market exposure, time horizon and downside protection within one allocation, reducing reliance on any single outcome. These top indices, representing a dynamic cross-section of the market’s most influential companies, can be selected to build diversified allocations that align with different goals and changing market environments.
The S&P 500® is an index composed of 500 leading U.S. stocks. It is widely regarded as the best gauge of U.S. stock market performance. The Nasdaq-100® is made up of 100 of the largest non-financial companies listed on the Nasdaq stock exchange and is weighted heavily in technology stocks. The Russell 2000 measures the performance of approximately 2,000 small-capitalization U.S. companies. MSCI EAFE tracks the performance of large- and mid-cap companies outside the U.S. and Canada.
Indices are unmanaged, have no identifiable objectives and cannot be purchased.
MarketLock offers a choice of 1-year, 3-year and 6-year strategy account options.
Your financial professional can help you determine which strategy account options are best for you, based on your investment needs, goals, risk tolerance and time horizon. MarketLock offers a broad selection of strategy account options with diverse levels of upside potential and downside protection, so you can build a customized allocation strategy that fits your specific profile.
Yes, lifetime income is available through annuitization, a process that permanently converts your annuity contract to retirement income. Once you annuitize a contract, you will no longer have access to the principal or contract value. MarketLock focuses on accumulation and does not offer a guaranteed living benefit (GLB) rider.
MarketLock delivers a valuable combination of benefits, including growth potential, buffer protection, investment choice, tax deferral, and death benefits, but it also has some risks and charges. Investments are subject to risk, including the possible loss of principal. Losses may be significant in down markets. In addition, MarketLock has a 6-year withdrawal charge schedule, meaning that if you take withdrawals above permitted amounts in the first 6 years of the contract, you could pay a withdrawal charge of up to 8%. Withdrawals may also be subject to federal and/or state income taxes, and an additional 10% federal tax may apply for early withdrawals taken prior to age 59½.
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 1-800-445-7862. 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)
*Lock strategy not available with MarketLock NY.
Corebridge MarketLock Annuity is issued by American General Life Insurance Company (AGL), Houston, TX, in all states except New York. Corebridge MarketLock Annuity NY is issued by The United States Life Insurance Company in the City of New York (US Life), New York, NY.