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Fixed Indexed Annuity

Power 7 Protector Plus Income

Corebridge Financial

4.6%

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

4.6% cap on S&P 500

A seven-year-surrender fixed indexed annuity from an A-rated Corebridge subsidiary on the Power Protector chassis — the accumulation engine spans an S&P 500 annual cap, an S&P 500 declared-rate trigger, and one- and two-year participation-rate options on three proprietary volatility-controlled indexes; the 'Plus Income' filing name signals an income-rider variant, but no GLWB rider row is currently returned on the live feed for this contract.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want the Power Protector chassis (a fixed account, an S&P 500 cap, a proprietary-index participation menu, and a seven-year surrender ladder) from a large tri-agency-rated carrier, and who are willing to confirm directly with the carrier or their advisor whether the income-rider component the 'Plus Income' name suggests is currently available on this contract and at what cost — because the live feed exposes the accumulation engine for this product, not a rider row.

AM Best

A Excellent

Surrender period

7 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

4.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.9% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

13% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

28% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.4% 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

  • Same seven-year surrender chassis as the base Power 7 Protector, with a crediting menu that pairs a recognizable S&P 500 annual point-to-point cap and an S&P 500 declared-rate (trigger) strategy that credits a fixed amount whenever the index return is zero or positive — two ways to play the same benchmark in one contract.
  • Strategy lineup includes one-year and two-year participation-rate options on three proprietary volatility-controlled indexes (AQR DynamiQ Allocation, ML Strategic Balanced, PIMCO Global Optima), each available in a base and an 'Enhanced Participation Rate' variant, so buyers willing to accept a strategy charge can lift participation meaningfully above the no-fee version.
  • Free-withdrawal allowance and the full seven-year surrender ladder are visible on this page rather than gated behind a brochure, and the contract includes nursing-home, terminal-illness, and RMD surrender-charge waivers.
  • Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view is triangulated rather than single-source.

What to confirm

  • The 'Plus Income' name is the carrier's filing label for what is typically the income-rider variant of the Power Protector chassis, but the live data feed on this page currently returns no income-rider row — no withdrawal rate, no rider fee, no income-base growth is exposed. Treat any lifetime-income claim against this product as unconfirmed: confirm with the carrier or the issuing advisor whether a Lifetime Income Plus Flex (or equivalent) Guaranteed Living Benefit Rider is currently available on this contract and at what cost before comparing lifetime income side-by-side with rider-led income FIAs.
  • The accumulation engine on this filing is the same as the base Power 7 Protector (A000D2) — same fixed account, same S&P 500 cap, same proprietary-index participation menu, same seven-year surrender ladder. If a buyer doesn't want the income rider (and rider fee), the base Power 7 Protector is the cleaner pick on the same chassis without paying for an income guarantee that won't be exercised.
  • Several of the highest-participation strategies are labeled 'Enhanced Participation Rate' and carry an explicit annual strategy charge that comes out of the credit — the participation rate is the gross rate, not the net rate after the charge. The headline cap on this page is drawn from the un-enhanced S&P 500 cap; weigh the enhanced strategies separately, factoring in their fee.
  • Filed in 49 jurisdictions (the live feed shows 48 states plus the District of Columbia, with New York excluded). Confirm state availability for the contract owner's residence before applying — and note that Corebridge also issues a ten-year surrender variant of the same Plus Income filing (Power 10 Protector Plus Income, A000D8) for buyers willing to accept a longer commitment.

Not ideal for

Buyers who need a contractually published GLWB withdrawal-rate column to compare lifetime income side-by-side with rider-led income FIAs (the live feed for this product does not currently show a rider row), want a Protected Income Value built-in income chassis (this chassis is not PIV), need shorter-than-seven-year liquidity (the Power 5 Protector A000LZ runs five years), prefer the longer-commitment Plus Income variant (the Power 10 Protector Plus Income A000D8 runs ten years), or want a plain MYGA-style declared rate without any index-linked crediting strategies.

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: 173% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 113% · 1-yr

AQR DynamiQ Allocation Index

participation

7-yr surrender$100,000+

Par: 100% + Fixed: 3.9% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 88% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 43% · 1-yr

ML Strategic Balanced Index

participation

7-yr surrender$100,000+

Par: 30% · 1-yr

PIMCO Global Optima Index

participation

7-yr surrender$100,000+

Par: 28% · 1-yr

S&P 500 Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 13% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 4.6% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 2.4% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 158% · 2-yr

AQR DynamiQ Allocation Index

participation

7-yr surrender$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 89% · 2-yr

ML Strategic Balanced Index

participation

7-yr surrender$100,000+

Par: 81% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate · participation

7-yr surrender$100,000+

Par: 51% · 2-yr

PIMCO Global Optima Index

participation

7-yr surrender$100,000+

Par: 173% · 1-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate

$100,000+

Par: 113% · 1-yr

AQR DynamiQ Allocation Index

$100,000+

Par: 100% + Fixed: 3.9% · 1-yr

S&P 500 Index

$100,000+

Par: 88% · 1-yr

ML Strategic Balanced Index

Enhanced Participation Rate

$100,000+

Par: 55% · 1-yr

PIMCO Global Optima Index

Enhanced Participation Rate

$100,000+

Par: 43% · 1-yr

ML Strategic Balanced Index

$100,000+

Par: 30% · 1-yr

PIMCO Global Optima Index

$100,000+

Par: 28% · 1-yr

S&P 500 Index

Enhanced Participation Rate

$100,000+

Par: 13% · 1-yr

S&P 500 Index

$100,000+

Cap: 4.6% · 1-yr

S&P 500 Index

$100,000+

Fixed: 2.4% · 1-yr

Fixed Account

$100,000+

Par: 218% · 2-yr

AQR DynamiQ Allocation Index

Enhanced Participation Rate

$100,000+

Par: 158% · 2-yr

AQR DynamiQ Allocation Index

$100,000+

Par: 134% · 2-yr

ML Strategic Balanced Index

Enhanced Participation Rate

$100,000+

Par: 89% · 2-yr

ML Strategic Balanced Index

$100,000+

Par: 81% · 2-yr

PIMCO Global Optima Index

Enhanced Participation Rate

$100,000+

Par: 51% · 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 — 120
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

8%

Yr 2

7%

Yr 3

6%

Yr 4

5%

Yr 5

4%

Yr 6

3%

Yr 7

2%

After

0%

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

Documents

rate sheet

Corebridge Financial (American General Life Insurance Company) – Power 7 Protector – Brochure (I6110CON : 03-24).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 7 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: 4.6% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 13% 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
  • 7 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 Corebridge Financial (American General Life Insurance Company) – Power 7 Protector – Brochure (I6110CON : 03-24).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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