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Fixed Indexed Annuity

Power Index 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 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 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 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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Live rate data

Run live numbers for Power Index 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 seven-year-surrender accumulation FIA from a tri-agency-rated carrier, 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 — no optional GLWB income rider on this filing.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want index-linked accumulation through a mix of cap, trigger, and participation mechanics on recognizable equity benchmarks in one contract, prefer a seven-year deferral over a longer ten-year bonus FIA, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

7 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 · 7-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 · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

Participation

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

1-year term · 7-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 on this page is triangulated rather than single-sourced.
  • Surrender term runs seven years rather than the ten-year ladder common on bonus-paying retail FIAs, and the schedule declines each year — a shorter lockup commitment than many of the carrier's longer-deferral peers.
  • 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.
  • Free-withdrawal allowance and the full seven-year surrender ladder are visible on this page rather than buried in a brochure, alongside a nursing-home waiver, terminal-illness waiver, and RMD waiver.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no optional GLWB rider attached — buyers who need a contractually published lifetime-withdrawal rate should look at Corebridge's Power Index Plus Income variant (the income-rider sibling on the same family chassis), not this contract.
  • Several of the participation strategies on this contract are tied to proprietary volatility-controlled indexes (Franklin Quality Dividend Total Return 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.
  • A market value adjustment applies on surrenders above the free-withdrawal allowance, which can move the actual amount received up or down with interest rates — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • Power Index Plus is the 50-state filing; Corebridge issues a separate New York-only sibling contract (Power Index Premier NY) on a different filing. Buyers in New York are quoted on the NY filing, not this one, and the two filings have different strategy menus and cap levels — confirm which contract the illustration is built against.

Not ideal for

Buyers who need a contractually published GLWB lifetime-withdrawal rate (that calls for the Power Index Plus Income sibling, not this base contract), want a premium bonus to offset a longer surrender term, or need a death-benefit roll-up beyond the standard death benefit — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (18 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

7-yr surrender$100,000+

Par: 100% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

7-yr surrender$100,000+

Par: 85% · 1-yr

PIMCO Global Optima Index

participation

7-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 10.1% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 10.1% · 1-yr

Russell 2000 Index

cap

7-yr surrender$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 7.35% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 105% · 1-yr

ML Strategic Balanced Index

participation

7-yr surrenderUp to $99,999.99

Par: 80% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

7-yr surrenderUp to $99,999.99

Par: 75% · 1-yr

PIMCO Global Optima Index

participation

7-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 9.1% · 1-yr

Russell 2000 Index

cap

7-yr surrenderUp to $99,999.99

Cap: 8.6% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 6.35% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

7-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 Plus

● Can I lose money in Power Index Plus?

A negative index return by itself does not reduce the contract's account value: Power Index 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 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Power Index Plus's crediting strategies compare?

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

3

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%

Yr 6

3%

Yr 7

2%

After

0%

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

Documents

product guide

Power Index Plus brochure pdf.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 Plus currently shows 17 distinct indexed or fixed crediting choices across 18 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
  • 7 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 Plus brochure pdf.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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