American Pathway Fixed 5

These single-premium, tax-deferred fixed annuities provide 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.

Up to 15% free withdrawals each year
Access your money After 30 days from the contract date, you may take multiple free withdrawals each year, not exceeding in total the greater of the accumulated interest earned or up to 15% of the previous anniversary contract value.
If you don't need to use all of the 15% penalty-free withdrawal privilege percentage in a contract year, you may carry over the unused portion (up to 5%) to the next contract year, increasing the annual withdrawal to 20% of the anniversary contract value (or the accumulated interest if greater).
You can always withdraw more than the penalty-free amounts at any time. However, during the first five contract years of the American Pathway Fixed 5 and the first seven contract years of the American pathway Fixed  annuities, the amount withdrawn over the penalty-free amounts will incur a withdrawal charge (and MVA if applicable), which can reduce the value of your contract. If you take a partial withdrawal, ensure your remaining contract value is at least $2,000. If the partial withdrawal reduces the contract value below $2,000 AGL reserves the right to pay the entire contract value and terminate the contract.

Systematic Withdrawals
Systematic withdrawals are allowed at any time after contract issue by making a written election.  $100 minimum amount monthly, quarterly, semiannually or annually. Systematic withdrawals may be subject to withdrawal charges if they exceed penalty-free amounts.

Market Value Adjustment (MVA)
If you select the five-year or seven-year interest rate option with MVA, a market value adjustment applies to withdrawals taken during the initial interest rate guarantee period which exceed penalty-free amounts. The adjustment can either increase or decrease the withdrawal amount depending on the current interest rate environment.
When interest rates at the time of the withdrawal are higher than the level at the time the contract is issued, the MVA will result in a decrease. If interest rates are down, the MVA will increase the withdrawal amount.
Should an MVA decrease apply, the amount charged will not result in your receiving less than the minimum withdrawal value as defined in your contract. MVA does not apply to withdrawals representing penalty-free withdrawal amounts, RMDs, annuitization or death benefit. An external index referenced in your contract is used to measure rates.

More flexibility with optional return-of-premium guarantee
Both the American Pathway Fixed 5 and Fixed 7 annuities offer an optional return-of-premium guarantee at the time of purchase. Adding this feature will slightly lower your initial interest rate. 
With the return-of-premium guarantee option, if you cancel the annuity contract, you will always receive the greater of: 

The Minimum Guaranteed Interest Rate is 1.00% during the withdrawal charge surrender period and 0.25% thereafter.