Registered index-linked annuity · SEC-registered · defined downside design
MarketLock Annuity
Issued by American General Life Insurance Company
AM Best ACan lose value
Segment terms1-year · 3-year · 6-year
Downside choices10% buffer · 20% buffer · 100% buffer
FeeNot published
Surrender period6 yrs
Free withdrawal10%per year
Issue ages18–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions49published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer20.5% cap · 10% buffer
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 20% buffer | 100% buffer |
|---|---|---|---|
| S&P 500 | |||
| 1-yearPoint-to-point | 20.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 14.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 20% | — |
| 1-yearPerformance trigger | 11% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 1-yearDual Direction | 14% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 3-yearPoint-to-point | — | 50% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | 30% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 100% |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 150% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | 50% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 100% |
| 6-yearDual Direction | 150% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 100% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearCap Secure | 13% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 6-yearEnhanced | 80% cap Segment detailsMinimum cap: 5%Minimum participation: 101%Minimum buffer: 10% | 65% cap Segment detailsMinimum cap: 5%Minimum participation: 101%Minimum buffer: 20% | — |
| Nasdaq-100 | |||
| 1-yearPoint-to-point | 23% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 1-yearPerformance trigger | 16% trigger rate Segment detailsMinimum trigger rate: 2%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 1-yearDual Direction | 20% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | — | — |
| 3-yearPoint-to-point | — | 50% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearPoint-to-point | — | 105% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | 50% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 100% |
| Index not published | |||
| 3-yearLock Strategy | Not published Segment detailsMinimum buffer: 1%Not published Segment detailsMinimum buffer: 1%Not published Segment detailsMinimum buffer: 1% | — | — |
| 6-yearLock Strategy | Not published Segment detailsMinimum buffer: 1%Not published Segment detailsMinimum buffer: 1%Not published Segment detailsMinimum buffer: 1% | — | — |
| 6-yearDual Direction Trigger with Cap | — | Not published Segment detailsMinimum buffer: 20% | — |
| MSCI EAFE | |||
| 6-yearPoint-to-point | — | 110% participation Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | — |
| Russell 2000 | |||
| 6-yearPoint-to-point | — | 85% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | — |
| Fixed account | |||
| 1-year · Declared rate | 4% fixedSegment detailsMinimum fixed-account rate: 0.25% | ||
Showing 29 of 29 indexed segments.
Menu combined from 2 published rate instances (28 + 1 segments).
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Cap Secure · 6-year2%Minimum cap
Cap Secure · 6-year100%Minimum participation rate
Declared, no index · 1-year0.25%Minimum fixed-account rate
Dual Direction · 1-year2%Minimum cap
Dual Direction · 1-year100%Minimum participation rate
Dual Direction · 6-year5%Minimum cap
Dual Direction · 6-year100%Minimum participation rate
Enhanced · 6-year5%Minimum cap
Enhanced · 6-year101%Minimum participation rate
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year2%Minimum trigger rate
Point-to-point · 1-year2%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 3-year5%Minimum cap
Point-to-point · 3-year100%Minimum participation rate
Point-to-point · 6-year5%Minimum cap
Point-to-point · 6-year100%Minimum participation rate
Minimum published buffer1%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Year 18%
Year 28%
Year 37%
Year 46%
Year 55%
Year 64%
After0%
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNursing home · Terminal illness
BailoutNot available
Return of premiumNot available
Death benefitOptional Return of Premium Death BenefitDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Analyst notes
Where it stands out
- The national MarketLock contract publishes indexed segments tied to the S&P 500, Nasdaq-100, MSCI EAFE, and Russell 2000, alongside a fixed account option.
- Buyers can compare conventional point-to-point, performance-trigger, Dual Direction, enhanced, and Cap Secure mechanics across the published segment menu.
- The national contract offers multiple segment lengths and buffer levels, including versions designed to exchange more upside for a larger first-loss buffer.
- No strategy fee is published on the current indexed rows, so the page does not invent a fee or deduct one from the displayed outcomes.
What to confirm
- This registered index-linked annuity can lose value. A buffer absorbs only the first stated portion of an index loss, and losses beyond it reduce the segment value.
- The current contract data does not publish a minimum premium, so deposit eligibility must be confirmed in the current prospectus and application materials.
- Caps, trigger rates, participation rates, and buffer levels can change when a segment renews; the page separates current terms from contractual renewal limits.
- The national contract is not available in New York or Oregon. New York uses a separate MarketLock contract with its own rates and registration, so the national terms should not be quoted there.
Best fitBuyers seeking tax-deferred market-linked accumulation who understand prospectus-governed risk, can commit through the surrender period, and want to choose how much upside to exchange for a defined first-loss buffer.
Not ideal forBuyers who require principal protection, unrestricted liquidity, a guaranteed fixed return, or an optional lifetime-income rider.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesNot published
PremiumNot published in feed
Issue ages18–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age95 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesNot published
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutNo
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 18, 2026 · generated Sep 20, 2026
Income rider optionsNone published — accumulation only
Death benefitOptional Return of Premium Death BenefitDeath-benefit ROP under the contract terms; separate from surrender ROP, which is not available
Contract open dateOct 7, 2024
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantAmerican General Life Insurance Company
SEC CIK0000005108
File numbers333-277203
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York or Oregon; New York uses the separate MarketLock Annuity NY contract.
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKPARISCSDTNTXUTVAVTWAWIWVWY
Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.