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Fixed Indexed Annuity

Power 7 Protector Plus Income — American General Life Insurance Co

American General Life Insurance Co

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4.6%

Best S&P 500 Annual Cap

10%

Free W/D

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 7 Protector Plus Income would do for you

Set your numbers and switch between growth, income, and liquidity. 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.

Premium$100,000

Your age60

Crediting strategy

Compare against

$210,303

Gross crediting illustration at age 80 (Power 7 Protector Plus Income)

Excludes the 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Level Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Level Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms). This is not a net contract value.

4.6%

Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Level Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Level Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms).

S&P 500 Index — 4.6% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Power 7 Protector Plus Income's published cap rate (4.6% 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. Gross crediting only: this illustration excludes the 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Level Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Level Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms); 1.1% annual Lifetime Income Choice - Max Income charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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See how Power 7 Protector Plus Income 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 7 Protector Plus Income

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

7.2% lifetime payout + 9%/yr · simple · for up to 10 years roll-up

A seven-year-surrender fixed indexed annuity from an A-rated Corebridge subsidiary that combines published guaranteed lifetime withdrawal benefit rider choices with an S&P 500 cap, an S&P 500 declared-rate trigger, and one- and two-year participation-rate options on three proprietary volatility-controlled indexes.

1.1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a guaranteed lifetime withdrawal benefit rider while retaining contract value subject to withdrawals, fees, and contract terms, plus a fixed account, an S&P 500 cap, a proprietary-index participation menu, and a seven-year surrender ladder from a large tri-agency-rated carrier.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Idaho, New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

4.6% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

3.9% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

13% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

Enhanced Participation Rate

28% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Strategy fee: 1.5%/yr

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

Enhanced Participation Rate

28% participation rate

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Fixed Account

2.4% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

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

Lifetime Income Riders

Income rider

Income Choice - Max Income

RMD friendly

Lifetime payout rate7.2% lifetime payout

Annual rider fee1.1% annual rider fee

Guaranteed roll-up9%/yr · simple · for up to 10 years

Interest multiplier2x interest multiplier

Income rider

Income Choice - Income

RMD friendly

Lifetime payout rate6.2% lifetime payout

Annual rider fee1.1% annual rider fee

Guaranteed roll-up9%/yr · simple · for up to 10 years

Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

Same seven-year surrender chassis as the base Power 7 Protector, with a crediting menu that pairs a recognizable S&P 500 annual point-to-point cap and an S&P 500 declared-rate (trigger) strategy that credits a fixed amount whenever the index return is zero or positive — two ways to play the same benchmark in one contract.
Strategy lineup includes one-year and two-year participation-rate options on three proprietary volatility-controlled indexes (AQR DynamiQ Allocation, ML Strategic Balanced, PIMCO Global Optima), each available in a base and an 'Enhanced Participation Rate' variant, so buyers willing to accept a strategy charge can lift participation meaningfully above the no-fee version.
Free-withdrawal allowance and the full seven-year surrender ladder are visible on this page rather than gated behind a brochure, and the contract includes nursing-home, terminal-illness, and RMD surrender-charge waivers.
Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view is triangulated rather than single-source.

What to confirm

The live product data lists guaranteed lifetime withdrawal benefit rider choices and their withdrawal-rate, rider-fee, and income-base-growth fields. Use those fields for current research comparison, then confirm the exact rider election, issue-age band, state version, cost, and guarantees in a carrier illustration before purchase.
This contract has the same fixed account, S&P 500 cap, proprietary-index participation menu, and seven-year surrender ladder as the base Power 7 Protector. If a buyer doesn't want the income rider and its fee, the base Power 7 Protector is the cleaner choice without paying for an income guarantee that won't be used.
Several of the highest-participation strategies are labeled 'Enhanced Participation Rate' and carry an explicit annual strategy charge that comes out of the credit — the participation rate is the gross rate, not the net rate after the charge. The headline cap on this page is drawn from the un-enhanced S&P 500 cap; weigh the enhanced strategies separately, factoring in their fee.
Filed in 49 jurisdictions (the live feed shows 48 states plus the District of Columbia, with New York excluded). Confirm state availability for the contract owner's residence before applying — and note that Corebridge also issues Power 10 Protector Plus Income with a ten-year surrender period for buyers willing to accept a longer commitment.

Not ideal for

Buyers who want lifetime income without an ongoing rider fee, require a guaranteed beneficiary amount after withdrawals begin, need shorter-than-seven-year liquidity, prefer the ten-year Power 10 Protector Plus Income version, or want a plain MYGA-style declared rate without index-linked crediting strategies.

Free Comparison Report

Get a Power 7 Protector Plus Income rate report

See how Power 7 Protector Plus Income 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 (34 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: 173% · 1-yr

AQR DynamiQ Allocation Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 173% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 113% · 1-yr

AQR DynamiQ Allocation Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 113% · 1-yr

AQR DynamiQ Allocation Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 88% · 1-yr

ML Strategic Balanced Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 88% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 43% · 1-yr

ML Strategic Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 43% · 1-yr

ML Strategic Balanced Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 30% · 1-yr

PIMCO Global Optima Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 30% · 1-yr

PIMCO Global Optima Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 28% · 1-yr

S&P 500 Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 28% · 1-yr

S&P 500 Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 13% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 13% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 4.6% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Cap: 4.6% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 3.9% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Trigger: 3.9% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Fixed: 2.4% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Fixed: 2.4% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 158% · 2-yr

AQR DynamiQ Allocation Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 158% · 2-yr

AQR DynamiQ Allocation Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 89% · 2-yr

ML Strategic Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 89% · 2-yr

ML Strategic Balanced Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 81% · 2-yr

PIMCO Global Optima Index

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

Requested state: TXRate effective Oct 1, 20267-yr surrender$100,000+

Par: 81% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · Point-to-point

Requested state: TX7-yr surrender$100,000+

RMD friendly

Lifetime withdrawal rate4.5%

Annual rider fee1.1%

Guaranteed roll-up9%/yr · simple · for up to 10 years

Income multiplier2× multiplier

Deferral assumed0 years

Issue age50 — 75

Joint availabilityJoint life

GLWB

Common questions about Power 7 Protector Plus Income

● Can I lose money in Power 7 Protector Plus Income?

A negative index return by itself does not reduce the contract's account value: Power 7 Protector Plus Income credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, 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.

● 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 published roll-up (9%/yr · simple · for up to 10 years) and 7.2% 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 scheduled surrender charges run 7 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 7 Protector Plus Income's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Power 7 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

Yr 5

Yr 6

Yr 7

After

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

rate sheet

Corebridge Financial (American General Life Insurance Company) â Power 7 Protector â Brochure (I6110CON : 03-24).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 7 Protector Plus Income currently shows 34 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: 4.6% annual cap, 0% annual strategy fee
S&P 500 Index: 4.6% annual cap
S&P 500 Index: 3.9% annual trigger rate, 0% annual strategy fee
S&P 500 Index: 3.9% annual trigger rate

Income rider language

What to look for before treating the rider as income

Lifetime Income Choice - Max Income is the main income rider listed 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.

7.2% withdrawal rate
1.1% rider fee
RMD friendly
Joint life availability

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
7 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 Corebridge Financial (American General Life Insurance Company) â Power 7 Protector â Brochure (I6110CON : 03-24).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 7 Protector Plus Income rate report

See how Power 7 Protector Plus Income compares for your age, state, premium, and income goals alongside other American General Life Insurance Co fixed indexed annuity options.

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Related Resources

Free personalized report

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Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

What would you like your money to do?

Power 7 Protector Plus Income — American General Life Insurance Co

See what Power 7 Protector Plus Income would do for you

Get a Power 7 Protector Plus Income rate report

Run numbers for Power 7 Protector Plus Income

7.2% lifetime payout + 9%/yr · simple · for up to 10 years roll-up

Featured crediting strategies

Lifetime Income Riders

Income Choice - Max Income

Income Choice - Income

How to think about this contract

Why it can stand out

What to confirm

Get a Power 7 Protector Plus Income rate report

All crediting strategies

Income riders

Lifetime Income Choice - Max Income

Lifetime Income Choice - Max Income

Lifetime Income Choice - Level Income

Lifetime Income Choice - Level Income

Lifetime Income Choice - Max Income

Lifetime Income Choice - Max Income

Common questions about Power 7 Protector Plus Income

Key Features

Free withdrawal

Surrender waivers

Death benefit

Cap-rate floor

Declared-rate floor

Fixed account guarantee

Participation-rate floor

Annuitization options

Fund types

Surrender schedule

Documents

Corebridge Financial (American General Life Insurance Company) â Power 7 Protector â Brochure (I6110CON : 03-24).pdf.pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

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

Get a Power 7 Protector Plus Income rate report

Related Resources

Compare Rates

American General Life Insurance Co Products

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What would you like your money to do?

Cite this

Corebridge Financial (American General Life Insurance Company) â Power 7 Protector â Brochure (I6110CON : 03-24).pdf.pdf