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Fixed Indexed Annuity

Power Index Advisory — American General Life Insurance Co

American General Life Insurance Co

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12.25%

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 Index Advisory 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

$314,889

Gross crediting illustration at age 80 (Power Index Advisory)

Excludes the 1% annual Lifetime Income Max charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Plus Multiplier Flex charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Max charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Plus Multiplier Flex charge (income option; applicability depends on contract terms). This is not a net contract value.

12.25%

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

Gross crediting illustration for each line; excludes the 1% annual Lifetime Income Max charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Plus Multiplier Flex charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Max charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Plus Multiplier Flex charge (income option; applicability depends on contract terms).

S&P 500 Index — 12.25% 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 Index Advisory's published cap rate (12.25% 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% annual Lifetime Income Max charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Plus Multiplier Flex charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Max charge (income option; applicability depends on contract terms); 1% annual Lifetime Income Plus Multiplier Flex 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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rate data

Run numbers for Power Index Advisory

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

12.25% cap on S&P 500

A no-surrender fixed indexed annuity from a tri-agency-rated carrier, structured for fee-based advisory distribution — no surrender charges at any point, no premium bonus, no income rider, with a crediting menu built around recognizable annual cap, trigger, and participation strategies on the S&P 500, Russell 2000, and MSCI EAFE plus three proprietary volatility-controlled participation strategies.

1-year term$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers working with a fee-based advisor who want index-linked accumulation across recognizable equity-benchmark caps and participation strategies, value full liquidity with no surrender lockup, 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

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

12.25% cap rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

8.75% trigger rate

Rate effective Oct 1, 2026

Performance trigger

Requested state: TX

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

61% participation rate

Rate effective Oct 1, 2026

Annual point-to-point

Requested state: TX

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Oct 1, 2026

Annual point-to-point

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Oct 1, 2026

Performance trigger

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

Fixed Account

4.9% declared rate

Rate effective Oct 1, 2026

Fixed account

Requested state: TX

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

Fixed Account

Rate unavailable for this rider selection

Rate effective Oct 1, 2026

Fixed account

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

1-year term

Surrender term not shown

$100,000+

+ 10 additional crediting options (Franklin, Balanced, MSCI EAFE...)

Lifetime Income Riders

Income rider

Income Max

RMD friendly

Lifetime payout rate7.1% lifetime payout

Annual rider fee1% annual rider fee

Guaranteed roll-up10%/yr · simple · for up to 10 years

Income rider

Income Plus Multiplier Flex

RMD friendly

Lifetime payout rate6.65% lifetime payout

Annual rider fee1% annual rider fee

Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

There is no surrender schedule on this contract — withdrawals are not penalized by a carrier surrender charge at any point. That is the defining structural feature of the advisory-channel variant against the seven-year-surrender retail Power Index Plus sibling, and it leaves the contract fully liquid (subject to applicable IRS and tax treatment) from issue.
Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view on this page is triangulated rather than single-sourced from one ratings agency.
Crediting menu spans multiple recognizable equity benchmarks in one contract — an annual point-to-point cap on the S&P 500, an annual cap on the Russell 2000, and an annual cap on the MSCI EAFE — plus an S&P 500 trigger strategy and an S&P 500 participation-rate strategy, so a buyer can pick between cap, trigger, and participation mechanics within a single chassis.
Structured for advisory distribution: no carrier-paid commission and no premium bonus, with the compensation tradeoff handled outside the contract through the advisor's fee schedule. Buyers comparing this to a bonus-paying retail FIA should weigh the difference explicitly.

What to confirm

This contract is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no optional GLWB rider attached and no Protected Income Value income chassis — buyers who need a contractually published lifetime-withdrawal rate should look at Corebridge's Power Protector Plus Income or a true rider-led FIA, not this contract.
Power Index Advisory carries a meaningfully higher minimum-premium threshold than the carrier's retail FIA filings, consistent with the advisory-channel positioning. Smaller premium amounts will not qualify; check the live key-facts panel for the current minimum and confirm with the carrier before illustrating.
Several of the participation strategies on this contract are tied to proprietary volatility-controlled indexes (Franklin Quality Dividend Total shows 5% Index, ML Strategic Balanced Index, PIMCO Global Optima Index). Their participation rates can look high in absolute terms because of the index's volatility target — they are not directly comparable to an S&P 500 cap, so each strategy needs to be evaluated on its own historical and forward characteristics rather than on the headline participation number alone.
The guaranteed-minimum cap floor is very low — caps on the index strategies can reset down toward that floor at each crediting anniversary, and although a no-surrender contract leaves the buyer unencumbered to walk away, there is no contractual ceiling on how far caps can move at renewal. Renewal-rate behavior is the central long-run risk to evaluate.

Not ideal for

Buyers who need a contractually published GLWB lifetime-withdrawal rate (that calls for an income-rider sibling, not this contract), want a premium bonus, expect a death-benefit roll-up beyond standard, or cannot meet the higher minimum-premium threshold — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (32 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 140% · 1-yr

ML Strategic Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Par: 140% · 1-yr

ML Strategic Balanced Index

Point-to-point

Requested state: TX$100,000+

Par: 120% · 1-yr

Franklin Quality Dividend Total Return 5% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Par: 120% · 1-yr

Franklin Quality Dividend Total Return 5% Index

Point-to-point

Requested state: TX$100,000+

Par: 96% · 1-yr

PIMCO Global Optima Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Par: 96% · 1-yr

PIMCO Global Optima Index

Point-to-point

Requested state: TX$100,000+

Par: 61% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Par: 61% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX$100,000+

Cap: 13.25% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Cap: 13.25% · 1-yr

Russell 2000 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Cap: 13.25% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX$100,000+

Cap: 13.25% · 1-yr

Russell 2000 Index

Point-to-point

Requested state: TX$100,000+

Cap: 12.25% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Cap: 12.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX$100,000+

Trigger: 8.75% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Trigger: 8.75% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX$100,000+

Fixed: 4.9% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 1, 2026$100,000+

Fixed: 4.9% · 1-yr

Fixed Account

Fixed account

Requested state: TX$100,000+