Fixed Indexed Annuity

Power Select Plus Income

Name: Power Select Plus Income
Brand: American General Life Insurance Co

American General Life Insurance Co

10%

Free W/D

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.

rate data

Run numbers for Power Select Plus Income

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

A current headline metric is not available for this product. Confirm current terms with the carrier.

A ten-year-surrender fixed indexed annuity from a tri-agency-rated Corebridge Financial carrier, structured around a recognizable one-year S&P 500 annual cap plus participation-rate strategies on the Russell 2000 and several proprietary volatility-controlled indexes — with no GLWB income rider currently shown in the live data despite the 'Plus Income' filing name.

AdvisorWorld + CANNEX data

Best fit

Buyers who can commit principal for the full ten-year surrender period, can meet the contract's higher minimum-premium floor, want index-linked accumulation with a recognizable S&P 500 cap alongside multiple proprietary participation-rate strategies, and are comfortable that the longer lockup is not currently buying a contractually published GLWB withdrawal-rate rider in the live data here.

AM Best

A Excellent

Surrender period

10 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

unknown

Rate detail not shown

Annual crediting

Selected state rate set (TX)

1-year term · 10-year surrender · $100,000+

1-year term

10-year surrender

$100,000+

S&P 500

S&P 500 Index

unknown

Rate detail not shown

2Y crediting

Selected state rate set (TX)

2-year term · 10-year surrender · $100,000+

2-year term

10-year surrender

$100,000+

+ 11 additional crediting options (Index not, AB All, Balanced...)

Lifetime Income Riders

Income rider

Income Plus Flex

RMD friendly

Lifetime payout rate7.2% lifetime payout

Annual rider fee1.1% annual rider fee

Guaranteed roll-up9%/yr

Income rider

Income Plus Multiplier Flex

RMD friendly

Lifetime payout rate6.6% lifetime payout

Annual rider fee1.1% annual rider fee

Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

Crediting menu offers a recognizable one-year annual point-to-point cap on the S&P 500 alongside a participation-rate strategy on the Russell 2000 and S&P 500 exposure in a second shape (an annual declared-rate trigger), so a buyer gets a like-for-like S&P 500 cap to compare against other FIAs plus broader equity benchmark exposure in the same contract.
Carrier financial strength is rated by three independent agencies — A.M. Best, S&P, and Moody's all publish current ratings on American General Life (Corebridge Financial) — so the strength view on this page is triangulated rather than single-sourced.
Two-year crediting-term variants are offered on several of the proprietary participation strategies (AB All Market, Dimensional US Foundations, ML Strategic Balanced, PIMCO Global Optima, S&P 500), giving buyers a longer-look option at higher participation alongside the one-year cap and participation-rate menu in the same chassis.
Free-withdrawal allowance, the full ten-year surrender ladder, and three contract waivers (nursing-home, RMD, terminal-illness) are all visible on this page rather than buried in a brochure.

What to confirm

Despite the 'Plus Income' suffix — which in the Corebridge Power Series typically signals a contract designed to be paired with a Lifetime Income Plus-family GLWB rider at issue — the live CANNEX feed currently shows no income rider for this contract, and there is no Protected Income Value (PIV) mechanism on the base contract either. If a contractually published lifetime withdrawal rate from a rider is the buyer's primary need, that figure is not currently shown for Power Select Plus Income. Confirm with the carrier whether a Lifetime Income Plus-family rider is currently available, its current withdrawal-rate factors, and its annual charge before treating the product name as a lifetime-income promise.
Surrender period runs the full ten years, with a charge ladder that opens in the high single digits and only phases out at the end of year ten. That is a serious liquidity commitment — money beyond the annual free-withdrawal allowance is meaningfully penalized for a decade, and a buyer who needs principal sooner should weigh that lockup carefully, particularly given that the typical reason to accept a ten-year lockup on an income-branded FIA (richer rider income) is not visible in the live data here.
Minimum-premium floor on this contract is high relative to a standard retail FIA, so this is not a small-dollar entry contract. Buyers planning a smaller initial premium should confirm the minimum, any banded-rate treatment, and issue-age bounds with the carrier before purchase.
Crediting menu leans heavily on proprietary, volatility-controlled indexes (AB All Market, Dimensional US Foundations, ML Strategic Balanced, PIMCO Global Optima, Invesco New Economy). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own historical and forward characteristics, not on participation-rate magnitude alone.

Not ideal for

Buyers who need a contractually published GLWB withdrawal rate from an optional income rider shown on this page (none is currently shown despite the 'Plus Income' name), want a Protected Income Value-style built-in income mechanism (this is not a PIV design), need shorter-than-ten-year liquidity, can't meet the higher minimum-premium floor, or want a plain MYGA-style declared rate — none of those is what this contract is built to deliver.

Free Comparison Report

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See how Power Select Plus Income 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 (26 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.

Rate not shown · 1-yr

Index not shown

unknown