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Fixed Indexed Annuity

Power 10 Protector Plus Income

Corebridge Financial

4.9%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4.9% cap on S&P 500

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

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who can commit principal for the full ten-year surrender period, want index-linked accumulation with a recognizable S&P 500 cap alongside multiple proprietary participation-rate strategies, and are comfortable with the tradeoff that the longer lockup is not 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

49 jurisdictions (excl. Idaho, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.9% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 4.15% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

18% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

32% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.65% declared rate

Rate varies by premium band.

+ 12 volatility-controlled index options (Balanced, PIMCO, AQR DynamiQ...)

Lifetime Income Riders

Income rider

Income Choice - Max Income

RMD friendly
Lifetime payout rate7% lifetime payout
Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable annual point-to-point cap on the S&P 500 alongside participation-rate strategies on the S&P 500, the PIMCO Global Optima Index, the ML Strategic Balanced Index, and the AQR DynamiQ Allocation Index — so a buyer can compare a like-for-like S&P 500 cap against this contract and still have access to multiple volatility-controlled participation strategies in the same chassis.
  • 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.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the nursing-home / RMD / terminal-illness waivers, and an S&P 500 declared-rate trigger strategy are all visible on this page rather than buried in a brochure.
  • Two-year crediting-term variants are offered on the proprietary participation strategies, giving buyers a longer-look option at higher participation alongside the one-year cap and participation-rate strategies.

What to confirm

  • Surrender period runs the full ten years, with a charge ladder that starts in the high single digits and only fully 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 the principal sooner than that should weigh that lockup carefully before purchase.
  • Despite the 'Plus Income' name in the filing, the CANNEX live data returns no optional GLWB income rider attached to this row. If the buyer's primary need is a contractually published lifetime withdrawal rate from a rider — the headline reason to accept a ten-year lockup on an income-branded FIA — that tradeoff (richer lifetime income in exchange for a longer surrender period) is not visible in the live data here. Confirm rider availability, current rates, and which contract version actually carries the income rider with the carrier before signing.
  • Several of the highest-participation strategies are 'Enhanced Participation Rate' options that carry an annual strategy fee applied against the index credit. Those fees can make absolute participation numbers look much larger than the comparable non-fee strategies — evaluate each strategy on its net-of-fee characteristics, not its headline participation, and compare to the no-fee S&P 500 cap on this contract as a baseline.
  • The crediting menu leans heavily on proprietary volatility-controlled indexes (PIMCO Global Optima, ML Strategic Balanced, AQR DynamiQ Allocation). 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 (none is returned on this row despite the 'Plus Income' name), need shorter-than-ten-year liquidity, or want a plain MYGA-style declared rate — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (34 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: 183% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 123% · 1-yr

AQR DynamiQ Allocation Index

participation

10-yr surrender$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 92% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 64% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 47% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 34% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 32% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 18% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 2.65% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 168% · 2-yr

AQR DynamiQ Allocation Index

participation

10-yr surrender$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 94% · 2-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 86% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

10-yr surrender$100,000+

Par: 56% · 2-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 183% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate

$100,000+

Par: 123% · 1-yr

AQR DynamiQ Allocation Index

$100,000+

Par: 100% + Fixed: 4.15% · 1-yr

S&P 500 Index

$100,000+

Par: 92% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate

$100,000+

Par: 64% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate

$100,000+

Par: 47% · 1-yr

ML Strategic Balanced Index

$100,000+

Par: 34% · 1-yr

PIMCO Global Optima Index

$100,000+

Par: 32% · 1-yr

S&P 500 Index

Enhanced Participation Rate

$100,000+

Par: 18% · 1-yr

S&P 500 Index

$100,000+

Cap: 4.9% · 1-yr

S&P 500 Index

$100,000+

Fixed: 2.65% · 1-yr

Fixed Account

$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate

$100,000+

Par: 168% · 2-yr

AQR DynamiQ Allocation Index

$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate

$100,000+

Par: 94% · 2-yr

ML Strategic Balanced Index

$100,000+

Par: 86% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate

$100,000+

Par: 56% · 2-yr

PIMCO Global Optima Index

$100,000+

Income riders

Income rider

Lifetime Income Choice - Max Income

RMD friendly
Lifetime withdrawal rate7%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 75
Joint availabilityJoint life

GLWB

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

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

Documents

rate sheet

AIG : Corebridge Financial – Power 10 Protector Plus Income – Brochure (AIQ-PPPI-10 : 05-23).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 10 Protector Plus Income currently shows 17 distinct indexed or fixed crediting choices across 34 current rate listings, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.9% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 18% participation

Income rider language

What to look for before treating the rider as income

Lifetime Income Choice - Max Income is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 7% withdrawal rate
  • 1.1% rider fee
  • RMD friendly
  • Joint life availability

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
  • 10 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 AIG : Corebridge Financial – Power 10 Protector Plus Income – Brochure (AIQ-PPPI-10 : 05-23).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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