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Fixed Indexed Annuity

AG Choice Index 10

Corebridge Financial

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9.6%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: June 27, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what AG Choice Index 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,336
Est. value at age 80 (AG Choice Index 10)
0%
Floor — index losses never reduce value
AG Choice Index 10
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies AG Choice Index 10's published cap rate (10.1% on MSCI EAFE Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 27, 2026.

Free Comparison Report

Get a AG Choice Index 10 rate report

See how AG Choice Index 10 compares for your age, state, premium, and income goals alongside other Corebridge Financial fixed indexed annuity options.

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Live rate data

Run live numbers for AG Choice Index 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Corebridge Financial product.

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.6% cap on S&P 500

A ten-year-surrender fixed indexed annuity from an A-rated Corebridge carrier, built for index-linked accumulation across cap, participation, and fixed-trigger strategies on a mix of recognizable benchmark and proprietary volatility-controlled indexes, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want index-linked accumulation, value the ability to mix crediting designs (cap, participation, trigger) on the same S&P 500 exposure, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.6% cap rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5% cap rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

2.75% cap rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.35% trigger rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

4.15% trigger rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

2.5% trigger rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

20% participation rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

1,000% participation rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

2.6% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

1.9% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 28 additional crediting options (Franklin, Balanced, MSCI EAFE...)
View rate listings (52 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 120% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 100% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrender$100,000+

Par: 85% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 10.1% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 10.1% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 7.35% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 75% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 67% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrender$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 20% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 5% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 4.15% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 2.6% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 1000% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 60% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 54% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Cap: 2.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 2.75% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 2.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 2.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 1.9% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 105% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 80% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrenderUp to $99,999.99

Par: 75% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.6% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 6.35% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 52% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrenderUp to $99,999.99

Par: 18% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 4.3% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.3% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.3% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 3.45% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 2.35% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 800% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 39% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrenderUp to $99,999.99

Par: 25% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrenderUp to $99,999.99

Cap: 2.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 2.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Cap: 2.05% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 2.05% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 1.65% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Lifetime Income Riders

Income rider

Income Max

Lifetime payout rate6.9% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up10%/yr

Income rider

Income Plus Multiplier Flex

Lifetime payout rate6.4% lifetime payout
Annual rider fee1% annual rider fee
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view is not a single-source read.
  • Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, participation rate, and a fixed-rate trigger — so a buyer who wants S&P exposure can pick the mechanic that best fits their view of the index, rather than being locked into a single style.
  • Index menu spans recognizable benchmark indexes (S&P 500, Russell 2000, MSCI EAFE) alongside proprietary volatility-controlled options (Franklin Quality Dividend Total Return 5%, ML Strategic Balanced, PIMCO Global Optima), so the buyer can choose between like-for-like cap comparison and higher-participation alternatives.
  • Free-withdrawal allowance and the full ten-year surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list — and the only contract-level enhancements are surrender-charge waivers (nursing home, terminal illness, RMD). Do not compare its payout side-by-side with a rider-led income FIA.
  • The ten-year surrender term is at the long end of the FIA market, with a high first-year surrender charge that does not drop into the low single digits until late in the schedule. Buyers who do not need a full ten-year deferral should compare a shorter-surrender FIA before locking in.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard contract value, with no guaranteed legacy bump. Buyers prioritizing a legacy step-up should evaluate that separately.
  • Several of the listed indexes (Franklin Quality Dividend Total Return 5%, ML Strategic Balanced, PIMCO Global Optima) are proprietary volatility-controlled benchmarks. Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits. The guaranteed-minimum cap floor on this filing is also very low, so caps and participation rates can reset down toward that floor over the ten-year surrender term, and the buyer carries that renewal risk for the full term. New York buyers should note that this filing is not available in NY; Corebridge offers separate NY-only FIA filings instead.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a shorter surrender commitment, expect a premium bonus to offset a long surrender term, or want a death-benefit roll-up beyond the standard contract value — none of those are what this contract is built to deliver. Also not available to New York residents on this filing.

Free Comparison Report

Get a AG Choice Index 10 rate report

See how AG Choice Index 10 compares for your age, state, premium, and income goals alongside other Corebridge Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (52 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 120% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 100% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrender$100,000+

Par: 85% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 10.1% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 10.1% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 7.35% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 75% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 67% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrender$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 20% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 5% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 4.15% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 2.6% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 1000% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 60% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 54% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrender$100,000+

Par: 40% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Cap: 2.75% · 1-yr

MSCI EAFE Index

cap

10-yr surrender$100,000+

Cap: 2.75% · 1-yr

Russell 2000 Index

cap

10-yr surrender$100,000+

Cap: 2.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 2.5% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Fixed: 1.9% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 105% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 80% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrenderUp to $99,999.99

Par: 75% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 8.6% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 6.35% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 52% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrenderUp to $99,999.99

Par: 18% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 4.3% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.3% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Cap: 4.3% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 3.45% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 2.35% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 800% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 39% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

10-yr surrenderUp to $99,999.99

Par: 25% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrenderUp to $99,999.99

Cap: 2.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 2.25% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Cap: 2.05% · 1-yr

MSCI EAFE Index

cap

10-yr surrenderUp to $99,999.99

Cap: 2.05% · 1-yr

Russell 2000 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 1.65% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Income riders

Income rider

Lifetime Income Max

Lifetime withdrawal rate6.9%
Annual rider fee1%
Withdrawal-base growth10% roll-up

GLWB

Income rider

Lifetime Income Plus Multiplier Flex

Lifetime withdrawal rate6.4%
Annual rider fee1%
Withdrawal-base growth2× multiplier

GLWB

Common questions about AG Choice Index 10

● Can I lose money in AG Choice Index 10?

In a year the index falls, AG Choice Index 10 credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Lifetime Income Max income rider worth the 1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 10% roll-up and 6.9% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does AG Choice Index 10 compare to other FIAs?

Use "Compare against" in the analyzer to overlay AG Choice Index 10 with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

AG Choice Index 10 Fixed Indexed Annuity - Brochure.pdf

Confidence: highReviewed Apr 3, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA+
Moody'sA2
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

AG Choice Index 10 currently shows 47 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index, with 28 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.6% cap
  • S&P 500 Index: 5% cap
  • S&P 500 Index: 2.75% cap

Income rider language

What to look for before treating the rider as income

Lifetime Income Max is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.9% withdrawal rate
  • 1% rider fee

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as AG Choice Index 10 Fixed Indexed Annuity - Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a AG Choice Index 10 rate report

See how AG Choice Index 10 compares for your age, state, premium, and income goals alongside other Corebridge Financial fixed indexed annuity options.

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