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Fixed Indexed Annuity

Power 10 Protector Plus Income

Corebridge Financial

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4.9%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 2, 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 Power 10 Protector Plus Income 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 July 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$219,535
Est. value at age 80 (Power 10 Protector Plus Income)
4.9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.9% Cap (Annual)
✦
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 Power 10 Protector Plus Income's published cap rate (4.9% on S&P 500 Index) to a standard benchmark 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 July 2, 2026.

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See how Power 10 Protector Plus Income 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 Power 10 Protector Plus Income

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

Live product data

Rates as of July 2, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4.9% cap on S&P 500

A ten-year-surrender fixed indexed annuity from a tri-agency-rated Corebridge Financial carrier, structured around a recognizable S&P 500 annual cap plus participation-rate strategies on three proprietary volatility-controlled indexes — with no GLWB income rider returned on the current live data row despite the 'Plus Income' filing name.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who can commit principal for the full ten-year surrender period, want index-linked accumulation with a recognizable S&P 500 cap alongside multiple proprietary participation-rate strategies, and are comfortable with the tradeoff that the longer lockup is not buying a contractually published GLWB withdrawal-rate rider in the live data here.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Idaho, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.9% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

4.15% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

18% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Enhanced Participation Rate

32% participation rate

Participation

Strategy fee: 1.5%/yr

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

Rate varies by premium band.

Fixed Account

Fixed Account

2.65% declared rate

Fixed account

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

Rate varies by premium band.

+ 24 additional crediting options (Balanced, PIMCO, AQR DynamiQ...)

Lifetime Income Riders

Income rider

Income Choice - Max Income

Lifetime payout rate6.2% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up9%/yr
Interest multiplier2x interest multiplier

Income rider

Income Choice - Income

Lifetime payout rate5.7% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up9%/yr
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable annual point-to-point cap on the S&P 500 alongside participation-rate strategies on the S&P 500, the PIMCO Global Optima Index, the ML Strategic Balanced Index, and the AQR DynamiQ Allocation Index — so a buyer can compare a like-for-like S&P 500 cap against this contract and still have access to multiple volatility-controlled participation strategies in the same chassis.
  • Carrier financial strength is rated by three independent agencies — A.M. Best, S&P, and Moody's all publish current ratings on American General Life (Corebridge Financial) — so the strength view on this page is triangulated rather than single-sourced.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the nursing-home / RMD / terminal-illness waivers, and an S&P 500 declared-rate trigger strategy are all visible on this page rather than buried in a brochure.
  • Two-year crediting-term variants are offered on the proprietary participation strategies, giving buyers a longer-look option at higher participation alongside the one-year cap and participation-rate strategies.

What to confirm

  • Surrender period runs the full ten years, with a charge ladder that starts in the high single digits and only fully phases out at the end of year ten. That is a serious liquidity commitment — money beyond the annual free-withdrawal allowance is meaningfully penalized for a decade, and a buyer who needs the principal sooner than that should weigh that lockup carefully before purchase.
  • Despite the 'Plus Income' name in the filing, the CANNEX live data returns no optional GLWB income rider attached to this row. If the buyer's primary need is a contractually published lifetime withdrawal rate from a rider — the headline reason to accept a ten-year lockup on an income-branded FIA — that tradeoff (richer lifetime income in exchange for a longer surrender period) is not visible in the live data here. Confirm rider availability, current rates, and which contract version actually carries the income rider with the carrier before signing.
  • Several of the highest-participation strategies are 'Enhanced Participation Rate' options that carry an annual strategy fee applied against the index credit. Those fees can make absolute participation numbers look much larger than the comparable non-fee strategies — evaluate each strategy on its net-of-fee characteristics, not its headline participation, and compare to the no-fee S&P 500 cap on this contract as a baseline.
  • The crediting menu leans heavily on proprietary volatility-controlled indexes (PIMCO Global Optima, ML Strategic Balanced, AQR DynamiQ Allocation). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own historical and forward characteristics, not on participation-rate magnitude alone.

Not ideal for

Buyers who need a contractually published GLWB withdrawal rate from an optional income rider (none is returned on this row despite the 'Plus Income' name), need shorter-than-ten-year liquidity, or want a plain MYGA-style declared rate — none of those are what this contract is built to deliver.

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See how Power 10 Protector Plus Income 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 (34 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: 183% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 123% · 1-yr

AQR DynamiQ Allocation Index

participation

10-yr surrender$100,000+

Par: 92% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 64% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 47% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 34% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 32% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 18% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 4.9% · 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: 2.65% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 168% · 2-yr

AQR DynamiQ Allocation Index

participation

10-yr surrender$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 94% · 2-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 86% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 56% · 2-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 173% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 113% · 1-yr

AQR DynamiQ Allocation Index

participation

10-yr surrenderUp to $99,999.99

Par: 78% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 59% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 33% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 29% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrenderUp to $99,999.99

Par: 27% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 13% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 3.9% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 3.4% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Fixed: 2.4% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 213% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 158% · 2-yr

AQR DynamiQ Allocation Index

participation

10-yr surrenderUp to $99,999.99

Par: 114% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 81% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

10-yr surrenderUp to $99,999.99

Par: 79% · 2-yr

ML Strategic Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 51% · 2-yr

PIMCO Global Optima Index

participation

10-yr surrenderUp to $99,999.99

Income riders

Income rider

Lifetime Income Choice - Max Income

Lifetime withdrawal rate6.2%
Annual rider fee1.1%
Withdrawal-base growth9% roll-up / 2× multiplier

GLWB

Income rider

Lifetime Income Choice - Level Income

Lifetime withdrawal rate5.7%
Annual rider fee1.1%
Withdrawal-base growth9% roll-up / 2× multiplier

GLWB

Linked review

Power 10 Protector Plus Income review notes

Explore the Power Protector & Plus Income annuities by American General for secure retirement income—insightful, concise analysis.

4.5/5Read review
Chase Ross

Common questions about Power 10 Protector Plus Income

● Can I lose money in Power 10 Protector Plus Income?

A negative index return by itself does not reduce the contract's account value: Power 10 Protector Plus Income credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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 Choice - Max Income income rider worth the 1.1% 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 9% roll-up and 6.2% 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 do Power 10 Protector Plus Income's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Power 10 Protector Plus Income strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

10%

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

rate sheet

AIG : Corebridge Financial – Power 10 Protector Plus Income – Brochure (AIQ-PPPI-10 : 05-23).pdf.pdf

Confidence: highReviewed Apr 14, 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

Power 10 Protector Plus Income currently shows 33 distinct indexed or fixed crediting choices across 41 current rate listings, including S&P 500 Index, with 24 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.9% annual cap
  • S&P 500 Index: 3.9% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 18% annual participation rate

Income rider language

What to look for before treating the rider as income

Lifetime Income Choice - Max Income 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.

  • 6.2% withdrawal rate
  • 1.1% 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 AIG : Corebridge Financial – Power 10 Protector Plus Income – Brochure (AIQ-PPPI-10 : 05-23).pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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