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Fixed Indexed Annuity

Power Select AICO

Corebridge Financial

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8.6%

Best S&P 500 Annual Cap

10%

Free W/D

49

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 Select AICO 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
$300,821
Est. value at age 80 (Power Select AICO)
8.6%
Best S&P 500 1-yr point-to-point cap
Nasdaq-100 Index — 8.5% 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 Select AICO's published cap rate (8.5% on Nasdaq-100 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 July 2, 2026.

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See how Power Select AICO 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 Select AICO

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

8.6% cap on S&P 500

A five-year-surrender fixed indexed annuity from a tri-agency-rated carrier (Corebridge / American General Life), structured around annual point-to-point cap exposure to the S&P 500 and Nasdaq-100 plus a slate of proprietary participation-rate strategies, with a return-of-premium death benefit and no income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want index-linked accumulation across recognizable benchmark caps and proprietary participation-rate alternatives, prefer a shorter five-year surrender commitment than the typical seven- or ten-year FIA lockup, value a contractual return-of-premium death benefit, 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

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.6% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

42% participation rate

Participation

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

8.5% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

2% declared rate

Fixed account

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

Rate varies by premium band.

+ 8 additional crediting options (Dimensional US, Balanced, PIMCO...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender term runs five years rather than the seven- or ten-year ladders typical of FIAs in this category — a meaningfully shorter lockup commitment for buyers who want index exposure without locking capital up for a full decade.
  • Carrier financial strength is rated by three independent agencies — A.M. Best, S&P, and Moody's all publish current ratings on the issuing carrier — so the strength view on this page is triangulated rather than single-sourced.
  • Crediting menu offers annual point-to-point cap strategies on both the S&P 500 and the Nasdaq-100 (the two most recognizable U.S. equity benchmarks) alongside participation-rate strategies on proprietary multi-asset and thematic indexes, so buyers can choose between like-for-like benchmark cap comparison and higher-participation exposure to volatility-controlled alternatives.
  • Death benefit is a contractual return-of-premium guarantee, not just cash surrender value — beneficiaries receive at least the premium paid in regardless of contract performance, which is more protective than the cash-surrender-value default on many accumulation FIAs.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider in the current product data and no Protected Income Value framework — the only optional protections shown are surrender-charge waivers (nursing home, RMD, terminal illness), which suspend the surrender charge on a qualifying event but do not guarantee a lifetime payout. Do not compare this contract's payout side-by-side with a rider-led income FIA.
  • Minimum initial premium on this contract is at the upper end of the FIA spectrum — confirm the band and any premium-driven rate tier with the carrier before signing. This is not an entry-level FIA for a small rollover.
  • Several of the strategies use proprietary multi-asset or thematic indexes (Dimensional US Foundations, ML Strategic Balanced, PIMCO Global Optima, Invesco New Economy). Their headline participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own historical and forward characteristics.
  • American General Life Insurance Company (Corebridge) issues several distinct Power Select variants in addition to this contract (including Power Select Advisory, Power Select Builder, and Power Select Plus Income). The variants differ in surrender length, channel, minimum premium, crediting menu, and income features — confirm with the carrier which specific Power Select contract an illustration is built against before signing.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want lifetime income built in through a Protected Income Value framework, expect a death-benefit roll-up beyond return of premium, or are bringing a small rollover below the contract's premium minimum — none of those are what this contract is built to deliver.

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See how Power Select AICO compares for your age, state, premium, and income goals alongside other Corebridge Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (16 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: 150% · 1-yr

Dimensional US Foundations Index

participation

5-yr surrender$100,000+

Par: 80% · 1-yr

ML Strategic Balanced Index

participation

5-yr surrender$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

participation

5-yr surrender$100,000+

Par: 42% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 33% · 1-yr

Invesco New Economy Index

participation

5-yr surrender$100,000+

Cap: 8.6% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 8.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Fixed: 2% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 135% · 1-yr

Dimensional US Foundations Index

participation

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

ML Strategic Balanced Index

participation

5-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

PIMCO Global Optima Index

participation

5-yr surrenderUp to $99,999.99

Par: 36% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Par: 28% · 1-yr

Invesco New Economy Index

participation

5-yr surrenderUp to $99,999.99

Cap: 7.6% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 1.75% · 1-yr

Fixed Account

fixed

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.

Linked review

Power Select AICO review notes

Full Corebridge Power Select AICO FIA review: AICO rider, caps, fees, surrender charges, pros/cons, and who it fits best.

3.5/5Read review
Nikhil Bhauwala

Common questions about Power Select AICO

● Can I lose money in Power Select AICO?

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

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

Return of Premium 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.

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

I6110CON.pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

brochure

I6586CON.pdf

Confidence: highReviewed Apr 11, 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 Select AICO currently shows 16 indexed or fixed crediting options, including S&P 500 Index, with 8 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: 8.6% annual cap
  • S&P 500 Index: 7.6% annual cap
  • S&P 500 Index: 42% annual participation rate
  • S&P 500 Index: 36% 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 I6110CON.pdf and I6586CON.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 Select AICO compares for your age, state, premium, and income goals alongside other Corebridge Financial fixed indexed annuity options.

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