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Fixed Indexed Annuity

Power Index 5 NY

Corebridge Financial

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8%

Best S&P 500 Annual Cap

10%

Free W/D

New York

Only state

Product data status: July 3, 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 Index 5 NY 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 3, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (Power Index 5 NY)
8%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 8.5% 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 Index 5 NY's published cap rate (8.5% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 3, 2026.

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See how Power Index 5 NY 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 Index 5 NY

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 point-to-point cap rate

8% cap on S&P 500

A five-year-surrender fixed indexed annuity from an A-rated Corebridge carrier, available only in New York, with a cap-and-trigger index menu across S&P 500, Nasdaq-100, Russell 2000, and MSCI EAFE — no income rider, no premium bonus, no return-of-premium.

1-year termAdvisorWorld + CANNEX data

Best fit

New York residents who want index-linked accumulation across recognizable benchmark caps with a shorter five-year surrender commitment, value seeing both a cap and a performance-trigger alternative on each index, and do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

New York only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.25% trigger rate

Performance trigger

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8.25% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

6.25% trigger rate

Performance trigger

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

Rate varies by premium band.

+ 4 additional crediting options (Russell 2000, MSCI EAFE...)

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.
  • Surrender term is five years — shorter than the seven- and ten-year terms common on retail FIAs, so the buyer's commitment window is correspondingly shorter.
  • Index menu spans three recognizable benchmark indexes (S&P 500, Nasdaq-100, Russell 2000) plus a developed-international option (MSCI EAFE), giving buyers a like-for-like cap on each benchmark rather than steering them into a single proprietary index.
  • Each cap index also offers a performance-trigger (declared-rate) variant, so a buyer who expects flat-to-down years can lock in a fixed credit whenever the index closes positive instead of riding a cap.

What to confirm

  • This is the New York-only filing of the Power Index 5 series. It is available exclusively to New York residents — the 49/50-state version (Power Index 5 Plus, productId A001JW) is the sibling filing for buyers outside New York, and the two contracts can differ on caps, participation rates, and features because of New York's separate suitability rules.
  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider and no built-in Protected Income Value — the only liquidity protections beyond the free-withdrawal allowance are nursing-home and terminal-illness waivers. Do not compare its payout side-by-side with a rider-led income FIA.
  • There is no premium bonus and no return-of-premium guarantee on this contract — features that some retail FIAs include to soften the surrender commitment. A buyer comparing this to a bonus FIA should weigh that tradeoff explicitly against the shorter five-year surrender term.
  • The guaranteed-minimum cap floor sits well below the current cap, so caps on the index strategies can reset down toward that floor across the surrender term, and the buyer carries that renewal risk for the full five years.

Not ideal for

Buyers outside New York (the 49/50-state Power Index 5 Plus filing is the sibling product for them), buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, buyers who want a premium bonus or a return-of-premium guarantee, or buyers who expect a death-benefit roll-up beyond the standard contract death benefit.

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All crediting strategies

View rate listings (12 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.

Cap: 8.5% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 8.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Cap: 8% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 6.25% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 6.25% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrender$100,000+

Cap: 7.5% · 1-yr

Russell 2000 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 5.25% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 5.25% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Common questions about Power Index 5 NY

● Can I lose money in Power Index 5 NY?

A negative index return by itself does not reduce the contract's account value: Power Index 5 NY 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.

● 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 5 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Power Index 5 NY's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Power Index 5 NY 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

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

3.40%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

3.15%

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

Participation-rate floor

100.00%

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

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

corebridge power series.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 Index 5 NY currently shows 10 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index and Nasdaq-100 Index, with 4 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: 8% annual cap
  • S&P 500 Index: 7% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Nasdaq-100 Index: 8.25% annual cap

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
  • Terminal illness waiver

Verification note

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

Carrier materials such as corebridge power series.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

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