Fixed Indexed Annuity

Power Index 5 Plus

American General Life Insurance Co

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10%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: September 1, 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 September 1, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$312,053

Est. value at age 80 (Power Index 5 Plus)

10%

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

S&P 500 Index — 10% 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% 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 September 1, 2026.

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See how Power Index 5 Plus 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 Index 5 Plus

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 September 1, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10% 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 term5-year surrender$100,000+AdvisorWorld + 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

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

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

10% cap rate

Annual cap

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

9% cap rate

Annual cap

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

7.6% trigger rate

Performance trigger

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

6.8% trigger rate

Performance trigger

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

54% participation rate

Participation

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

48% participation rate

Participation

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

Secure Cap

8% cap rate

Annual cap

Selected state rate set (TX)

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

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

Secure Cap

7.2% cap rate

Annual cap

Selected state rate set (TX)

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

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

65% participation rate

Participation

Selected state rate set (TX)

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

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

50% participation rate

Participation

Selected state rate set (TX)

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

Rate varies by premium band.

5-year term

5-year surrender

$100,000+

Fixed Account

4.25% declared rate

Fixed account

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

Fixed Account

3.9% declared rate

Fixed account

Selected state rate set (TX)

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

Rate varies by premium band.

1-year term

5-year surrender

$100,000+

+ 18 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 contract 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 contract 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 contract 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 contract; NY buyers should look at the sibling Power Index 5 NY filing instead.

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All crediting strategies

View rate listings (44 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 120% · 1-yr

ML Strategic Balanced Index

participation