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Fixed Indexed Annuity

Power Index 5 Plus

Corebridge Financial

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9.6%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 Index 5 Plus 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
$150,842
Est. value at age 80 (Power Index 5 Plus)
9.6%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 10.1% 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 Plus's published cap rate (10.1% 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 2, 2026.

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See how Power Index 5 Plus 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 Plus

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

9.6% cap on S&P 500

A five-year-surrender fixed indexed annuity from an A-rated Corebridge carrier, built for index-linked accumulation across cap, participation, multi-year cap, and fixed-trigger strategies on a mix of recognizable benchmark and proprietary volatility-controlled indexes, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want index-linked accumulation on a shorter five-year surrender commitment, value the ability to mix crediting designs (cap, participation, multi-year cap, trigger) on the same S&P 500 exposure, can meet the contract's higher minimum-premium threshold, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.6% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.35% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

60% cap rate

Cap strategy

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

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

+ 10 additional crediting options (Franklin, Balanced, 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 runs five years rather than the seven- or ten-year terms common on retail FIAs — the shortest commitment window in the Corebridge FIA lineup, with the full surrender ladder visible on this page.
  • Three crediting designs are offered on the S&P 500 alone — annual point-to-point cap, participation rate, and a fixed-rate trigger — so a buyer who wants S&P exposure can pick the mechanic that best fits their view of the index, rather than being locked into a single style. A fourth multi-year S&P 500 cap is also offered for buyers willing to lock crediting over the full term.
  • Index menu spans recognizable benchmark indexes (S&P 500, Russell 2000, MSCI EAFE) alongside proprietary volatility-controlled options (Franklin Quality Dividend Total Return 5%, ML Strategic Balanced, PIMCO Global Optima), so the buyer can choose between like-for-like cap comparison and higher-participation alternatives.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the live feed shows an empty income-rider list — and the only contract-level enhancements are surrender-charge waivers (nursing home, terminal illness, RMD, activities of daily living). Do not compare its payout side-by-side with a rider-led income FIA.
  • The published minimum-premium threshold on this filing is at the high end of the FIA market and excludes smaller buyers; check the live key-facts panel for the current minimum and confirm with the carrier before assuming a smaller initial premium will be accepted.
  • There is no premium bonus and no death-benefit roll-up on this contract — the death benefit is the standard contract value, with no guaranteed legacy bump. The 'Plus' in the product name is the carrier's marketing for the multi-strategy chassis, not a bonus designation.
  • Several of the listed indexes (Franklin Quality Dividend Total Return 5%, ML Strategic Balanced, PIMCO Global Optima) are proprietary volatility-controlled benchmarks. Participation rates on these strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits. The guaranteed-minimum cap floor on this filing is also very low, so caps and participation rates can reset down toward that floor over the five-year surrender term, and the buyer carries that renewal risk for the full term. New York buyers should note that this filing is not available in NY; Corebridge offers a separate NY-only Power Index 5 sibling filing for New York residents.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate, want a premium bonus, expect a death-benefit roll-up beyond the standard contract value, or have an initial premium below the contract's minimum-premium threshold — none of those are what this contract is built to deliver. Also not available to New York residents on this filing; NY buyers should look at the sibling Power Index 5 NY filing instead.

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All crediting strategies

View rate listings (20 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: 120% · 1-yr

ML Strategic Balanced Index

participation

5-yr surrender$100,000+

Par: 100% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

5-yr surrender$100,000+

Par: 85% · 1-yr

PIMCO Global Optima Index

participation

5-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 10.1% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 10.1% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.35% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Cap: 60% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Par: 105% · 1-yr

ML Strategic Balanced Index

participation

5-yr surrenderUp to $99,999.99

Par: 80% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

5-yr surrenderUp to $99,999.99

Par: 75% · 1-yr

PIMCO Global Optima Index

participation

5-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

Russell 2000 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 8.6% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.35% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Cap: 55% · 5-yr

S&P 500 Index

cap

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 Plus

● Can I lose money in Power Index 5 Plus?

A negative index return by itself does not reduce the contract's account value: Power Index 5 Plus 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 Plus's crediting strategies compare?

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

4

Activities of daily living, 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

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

power index 5 plus 2.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 Plus currently shows 19 distinct indexed or fixed crediting choices across 20 current rate listings, including S&P 500 Index, with 10 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: 9.6% annual cap
  • S&P 500 Index: 8.6% annual cap
  • S&P 500 Index: 100% annual participation rate
  • S&P 500 Index: 52% annual participation 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 index 5 plus 2.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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