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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

50

Available jurisdictions

Product data status: September 18, 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 strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 18, 2026; not a projection or guarantee.
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 18, 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 18, 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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10% cap rate

Annual cap

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

S&P 500

S&P 500 Index

unknown

9% cap rate

Annual cap

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

S&P 500

S&P 500 Index

7.6% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

unknown

6.8% trigger rate

Performance trigger

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

S&P 500

S&P 500 Index

54% participation rate

Participation

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

S&P 500

S&P 500 Index

unknown

48% participation rate

Participation

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

S&P 500

S&P 500 Index

unknown

Rate detail not shown

Annual crediting

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

S&P 500

S&P 500 Index

Secure Cap

8% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Secure Cap · unknown

7.2% cap rate

Annual cap

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

S&P 500

S&P 500 Index

65% participation rate

Participation

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

S&P 500

S&P 500 Index

unknown

50% participation rate

Participation

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

S&P 500

S&P 500 Index

unknown

Rate detail not shown

5Y crediting

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

S&P 500

S&P 500 Index

Secure Cap · unknown

Rate detail not shown

Annual crediting

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

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

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

+ 17 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.

Free Comparison Report

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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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All crediting strategies

View rate listings (42 strategies)

These are the current crediting strategies available 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: 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: 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: 85% · 1-yr

PIMCO Global Optima Index

participation

5-yr surrender$100,000+

Par: 54% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 54% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 11% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 11% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 11% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 11% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.6% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.6% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 105% · 1-yr

ML Strategic Balanced Index

unknown

5-yr surrender$100,000+

Par: 90% · 1-yr

Franklin Quality Dividend Total Return 5% Index

unknown

5-yr surrender$100,000+

Par: 75% · 1-yr

PIMCO Global Optima Index

unknown

5-yr surrender$100,000+

Par: 48% · 1-yr

S&P 500 Index

unknown

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

MSCI EAFE Index

unknown

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

Russell 2000 Index

unknown

5-yr surrender$100,000+

Cap: 9% · 1-yr

S&P 500 Index

unknown

5-yr surrender$100,000+

Trigger: 6.8% · 1-yr

S&P 500 Index

unknown

5-yr surrender$100,000+

Declared: 3.9% · 1-yr

Index not shown

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

Index not shown

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

MSCI EAFE Index

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

Russell 2000 Index

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

S&P 500 Index

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

Franklin Quality Dividend Total Return 5% Index

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

ML Strategic Balanced Index

unknown

5-yr surrender$100,000+

Rate not shown · 1-yr

PIMCO Global Optima Index

unknown

5-yr surrender$100,000+

Par: 65% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 65% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 8% · 5-yr

S&P 500 Index

Secure Cap · cap

5-yr surrender$100,000+

Cap: 8% · 5-yr

S&P 500 Index

Secure Cap · cap

5-yr surrender$100,000+

Par: 50% · 5-yr

S&P 500 Index

unknown

5-yr surrender$100,000+

Cap: 7.2% · 5-yr

S&P 500 Index

Secure Cap · unknown

5-yr surrender$100,000+

Rate not shown · 5-yr

S&P 500 Index

unknown

5-yr surrender$100,000+

Rate not shown · 5-yr

S&P 500 Index

Secure Cap · unknown

5-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 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 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 Index 5 Plus's crediting strategies compare?

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

2

RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

0.00%

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 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%

RMD waiver, Terminal illness waiver

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
FitchA+
Moody'sA2
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Power Index 5 Plus currently shows 42 indexed or fixed crediting options, including S&P 500 Index, with 22 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10% annual cap
  • S&P 500 Index: 9% annual cap
  • S&P 500 Index: 7.6% annual trigger rate, 0% annual strategy fee

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
  • 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

Free Comparison Report

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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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