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Fixed Indexed Annuity

Power 5 Protector — American General Life Insurance Co

American General Life Insurance Co

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10.5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: October 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 5 Protector would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$313,471
Est. value at age 80 (Power 5 Protector)
10.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.5% 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 5 Protector's published cap rate (10.5% 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 October 2, 2026.

Free Comparison Report

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See how Power 5 Protector compares for your age, state, premium, and income goals alongside other American General Life Insurance Co fixed indexed annuity options.

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rate data

Run numbers for Power 5 Protector

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this American General Life Insurance Co product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10.5% cap on S&P 500

A five-year-surrender fixed indexed annuity from Corebridge's American General Life carrier, rated by three agencies, built around a plain S&P 500 annual point-to-point cap plus a trigger strategy and a menu of proprietary participation-rate index options — accumulation-focused, with no income rider and no Protected Income Value.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want the lightest surrender commitment in the Corebridge Power Protector family (five years versus seven or ten) and index-linked accumulation across a recognizable S&P 500 cap plus a trigger and proprietary participation-rate alternatives, from a tri-agency-rated carrier.

AM Best

A Excellent

Surrender period

5 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

10.5% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

7.65% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

56% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

Enhanced Participation Rate

66% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Strategy fee: 1.5%/yr

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

Enhanced Participation Rate

66% participation rate

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

65% cap rate

Rate effective Oct 1, 2026

5-year point-to-point

Requested state: TX

5-year term · 5-year surrender · $100,000+

Fixed Account

Fixed Account

4.4% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · $100,000+

+ 18 additional crediting options (Balanced, PIMCO, AQR DynamiQ...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender term runs five years — meaningfully shorter than the seven- and ten-year ladders Corebridge uses on the sibling Power 7 Protector and Power 10 Protector contracts, so the lockup commitment here is the lightest in the Power Protector family.
  • Carrier financial strength is rated by three independent agencies (A.M. Best, Moody's, and Standard & Poor's), so the strength view on this page is triangulated rather than single-sourced.
  • Crediting menu includes a plain S&P 500 annual point-to-point cap alongside an S&P 500 trigger strategy and proprietary participation-rate strategies, so buyers have a recognizable benchmark option for like-for-like cap comparison and a couple of alternative crediting mechanics in the same contract.
  • Free-withdrawal allowance and the full five-year surrender ladder are visible on this page rather than buried in a brochure.

What to confirm

  • This contract is designed for accumulation rather than a scheduled retirement payout. Buyers prioritizing income should compare a product built for that purpose.
  • Several of the index options are proprietary, volatility-controlled indexes (ML Strategic Balanced, PIMCO Global Optima, AQR DynamiQ Allocation). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — and the 'enhanced' versions of these strategies carry an explicit annual allocation charge that comes out of the credit, so the participation rate is not the net rate. Evaluate each strategy on its own terms.
  • The five-year surrender window is the shortest in the Power Protector family — buyers who want a longer accumulation period with the same design should compare against the seven-year Power 7 Protector or the ten-year Power 10 Protector Plus Income before committing.
  • Minimum premium on this contract is at the high end for an FIA — confirm contract minimums and eligibility with the carrier before purchase.

Not ideal for

Buyers seeking scheduled retirement income, a premium bonus to offset the surrender term, or a longer accumulation runway than five years.

Free Comparison Report

Get a Power 5 Protector rate report

See how Power 5 Protector compares for your age, state, premium, and income goals alongside other American General Life Insurance Co fixed indexed annuity options.

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All crediting strategies

View rate listings (36 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 240% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 240% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 170% · 1-yr

AQR DynamiQ Allocation Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 170% · 1-yr

AQR DynamiQ Allocation Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 145% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · Point-to-point · 2% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 145% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 115% · 1-yr

ML Strategic Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 115% · 1-yr

ML Strategic Balanced Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 96% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 96% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 71% · 1-yr

PIMCO Global Optima Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 71% · 1-yr

PIMCO Global Optima Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 66% · 1-yr

S&P 500 Index

Enhanced Participation Rate · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 66% · 1-yr

S&P 500 Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 56% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 56% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 7.65% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Trigger: 7.65% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Fixed: 4.4% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Fixed: 4.4% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000+

Par: 320% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 320% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 245% · 2-yr

AQR DynamiQ Allocation Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 245% · 2-yr

AQR DynamiQ Allocation Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 195% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 195% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 145% · 2-yr

ML Strategic Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 145% · 2-yr

ML Strategic Balanced Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 136% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · Point-to-point · 1.5% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 136% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 101% · 2-yr

PIMCO Global Optima Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Par: 101% · 2-yr

PIMCO Global Optima Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 65% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20265-yr surrender$100,000+

Cap: 65% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Power 5 Protector

● Can I lose money in Power 5 Protector?

A negative index return by itself does not reduce the contract's account value: Power 5 Protector credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, withdrawals, surrender charges, 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.

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

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Power 5 Protector's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Power 5 Protector 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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

product guide

power 5 protector.pdf.pdf

Confidence: highReviewed Apr 14, 2026

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

Carrier Ratings

AM BestA
FitchA+
Moody'sA2
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Power 5 Protector currently shows 36 indexed or fixed crediting options, 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 strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.5% annual cap
  • S&P 500 Index: 7.65% annual trigger rate, 0% annual strategy fee
  • S&P 500 Index: 7.65% annual trigger rate

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
  • 5 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 power 5 protector.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

Get a Power 5 Protector rate report

See how Power 5 Protector compares for your age, state, premium, and income goals alongside other American General Life Insurance Co fixed indexed annuity options.

Get my rate report

Related Resources

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