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Fixed Indexed Annuity

Power 5 Protector

Corebridge Financial

9.6%

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

9.6% cap on S&P 500

A five-year-surrender fixed indexed annuity from Corebridge's American General Life carrier, rated by three agencies, built around a plain S&P 500 annual point-to-point cap plus a trigger strategy and a menu of proprietary participation-rate index options — accumulation-focused, with no income rider and no Protected Income Value.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want the lightest surrender commitment in the Corebridge Power Protector family (five years versus seven or ten) and index-linked accumulation across a recognizable S&P 500 cap plus a trigger and proprietary participation-rate alternatives, from a tri-agency-rated carrier.

AM Best

A Excellent

Surrender period

5 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

9.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

62% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

60% cap rate

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Rate varies by premium band.

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender term runs five years — meaningfully shorter than the seven- and ten-year ladders Corebridge uses on the sibling Power 7 Protector and Power 10 Protector contracts, so the lockup commitment here is the lightest in the Power Protector family.
  • Carrier financial strength is rated by three independent agencies (A.M. Best, Moody's, and Standard & Poor's), so the strength view on this page is triangulated rather than single-sourced.
  • Crediting menu includes a plain S&P 500 annual point-to-point cap alongside an S&P 500 trigger strategy and proprietary participation-rate strategies, so buyers have a recognizable benchmark option for like-for-like cap comparison and a couple of alternative crediting mechanics in the same contract.
  • Free-withdrawal allowance and the full five-year surrender ladder are visible on this page rather than buried in a brochure.

What to confirm

  • This contract is NOT an income product. There is no GLWB rider, no Protected Income Value mechanism, and no published lifetime-withdrawal rate — do not compare its income side-by-side with a rider-led income FIA or a PIV chassis.
  • Several of the index options are proprietary, volatility-controlled indexes (ML Strategic Balanced, PIMCO Global Optima, AQR DynamiQ Allocation). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — and the 'enhanced' versions of these strategies carry an explicit annual allocation charge that comes out of the credit, so the participation rate is not the net rate. Evaluate each strategy on its own terms.
  • The five-year surrender window is the shortest in the Power Protector family — buyers who want a longer accumulation runway with the same chassis should compare against the seven-year Power 7 Protector (A000D2) or the ten-year Power 10 Protector Plus Income (A000D6/A000D8) before committing.
  • Minimum premium on this contract is at the high end for an FIA — confirm contract minimums and eligibility with the carrier before purchase.

Not ideal for

Buyers who need a contractually guaranteed lifetime-withdrawal rate from a GLWB rider, want a Protected Income Value built-in income mechanism, expect a premium bonus to offset the surrender term, or need a longer accumulation runway than five years — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (36 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: 235% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 165% · 1-yr

AQR DynamiQ Allocation Index

participation

5-yr surrender$100,000+

Par: 140% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 110% · 1-yr

ML Strategic Balanced Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 95% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 70% · 1-yr

PIMCO Global Optima Index

participation

5-yr surrender$100,000+

Par: 62% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 315% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 240% · 2-yr

AQR DynamiQ Allocation Index

participation

5-yr surrender$100,000+

Par: 190% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 140% · 2-yr

ML Strategic Balanced Index

participation

5-yr surrender$100,000+

Par: 135% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

5-yr surrender$100,000+

Par: 100% · 2-yr

PIMCO Global Optima Index

participation

5-yr surrender$100,000+

Cap: 60% · 5-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Par: 235% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate

$100,000+

Par: 165% · 1-yr

AQR DynamiQ Allocation Index

$100,000+

Par: 140% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate

$100,000+

Par: 110% · 1-yr

ML Strategic Balanced Index

$100,000+

Par: 100% + Fixed: 7% · 1-yr

S&P 500 Index

$100,000+

Par: 95% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate

$100,000+

Par: 70% · 1-yr

PIMCO Global Optima Index

$100,000+

Par: 62% · 1-yr

S&P 500 Index

Enhanced Participation Rate

$100,000+

Par: 52% · 1-yr

S&P 500 Index

$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4% · 1-yr

Fixed Account

$100,000+

Par: 315% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate

$100,000+

Par: 240% · 2-yr

AQR DynamiQ Allocation Index

$100,000+

Par: 190% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate

$100,000+

Par: 140% · 2-yr

ML Strategic Balanced Index

$100,000+

Par: 135% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate

$100,000+

Par: 100% · 2-yr

PIMCO Global Optima Index

$100,000+

Cap: 60% · 5-yr

S&P 500 Index

$100,000+

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.

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

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

power 5 protector.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 5 Protector currently shows 18 distinct indexed or fixed crediting choices across 36 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: 9.6% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 52% participation

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 power 5 protector.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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