Power 10 Protector
Corebridge Financial
9.5%
Best Cap
10%
Free W/D
50
States
Power 10 Protector is a long-term insurance product that credits interest based on stock market index performance while guaranteeing your principal won't decline. It's designed for retirees and near-retirees seeking market-linked growth with downside protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AQR DynamiQ Allocation Index | 2-Year | -- | 305% | -- |
| AQR DynamiQ Allocation Index | Annual | -- | 165% | -- |
| ML Strategic Balanced Index | 2-Year | -- | 190% | -- |
| ML Strategic Balanced Index | Annual | -- | 140% | -- |
| PIMCO Global Optima Index | 2-Year | -- | 125% | -- |
| PIMCO Global Optima Index | Annual | -- | 70% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.05% |
Key Features
Index Interest Accounts
Participation rates from 16% to 315% depending on index and deposit sizeInterest credited based on performance of equity or multi-asset indices (S&P 500, AQR DynamiQ, ML Strategic Balanced, PIMCO Global Optima) using point-to-point methodology
Principal Protection
Minimum 1.00% annual crediting guaranteedYour original premium is guaranteed and never at risk from market declines
Rate Caps
Caps range from 4.25% to 10.00% on S&P 500 Annual Point-to-PointMaximum interest credit for certain index strategies limits upside but protects insurer
Lifetime Income Choice Rider
Available as add-on to Power 10 Protector Plus IncomeOptional rider converts your account value into guaranteed income for life
Enhanced Participation Rate (EPR)
1.50% annual fee; rates increase from base to enhanced versionsPay annual fee to access higher participation rates for increased interest potential
Fixed Interest Account
4.55% to 4.80% for $100,000+ depositsAlternative to index accounts providing guaranteed interest rate
Multi-Asset Index Options
Participation rates 32% to 315% with built-in risk managementDiversified indices combining equities and fixed income for balanced exposure
Highlights
Earn interest based on stock market index performance without risking your principal to market downturns
Choose from multiple index options including S&P 500, multi-asset indices, or a fixed interest account
Optional income rider provides guaranteed lifetime income starting at any age
Enhanced participation rates available for higher upside potential (with annual fee)
Minimum guarantees protect your interest credits even in down market years
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
Best For
Retirees and near-retirees who want potential market-linked returns but cannot afford to lose principal to market downturns, and those seeking predictable lifetime income.
Consider Alternatives If
Individuals who need immediate access to their full investment without surrender charges, or those uncomfortable with complexity of indexed crediting mechanics.
Carrier Ratings
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