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Fixed Indexed Annuity

Power Index Advisory

Corebridge Financial

5.9%

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

5.9% cap on S&P 500

A no-surrender fixed indexed annuity from a tri-agency-rated carrier, structured for fee-based advisory distribution — no surrender charges at any point, no premium bonus, no income rider, with a crediting menu built around recognizable annual cap, trigger, and participation strategies on the S&P 500, Russell 2000, and MSCI EAFE plus three proprietary volatility-controlled participation strategies.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers working with a fee-based advisor who want index-linked accumulation across recognizable equity-benchmark caps and participation strategies, value full liquidity with no surrender lockup, can meet the contract's higher minimum-premium threshold, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Idaho, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.9% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 3.7% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

24% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.65% declared rate

Rate varies by premium band.

+ 5 volatility-controlled index options (Franklin, Balanced, MSCI EAFE...)

Lifetime Income Riders

Income rider

Income Max

RMD friendly
Lifetime payout rate6.85% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • There is no surrender schedule on this contract — withdrawals are not penalized by a carrier surrender charge at any point. That is the defining structural feature of the advisory-channel variant against the seven-year-surrender retail Power Index Plus sibling, and it leaves the contract fully liquid (subject to applicable IRS and tax treatment) from issue.
  • Carrier financial-strength is rated by three independent agencies (A.M. Best, S&P, and Moody's), so the strength view on this page is triangulated rather than single-sourced from one ratings agency.
  • Crediting menu spans multiple recognizable equity benchmarks in one contract — an annual point-to-point cap on the S&P 500, an annual cap on the Russell 2000, and an annual cap on the MSCI EAFE — plus an S&P 500 trigger strategy and an S&P 500 participation-rate strategy, so a buyer can pick between cap, trigger, and participation mechanics within a single chassis.
  • Structured for advisory distribution: no carrier-paid commission and no premium bonus, with the compensation tradeoff handled outside the contract through the advisor's fee schedule. Buyers comparing this to a bonus-paying retail FIA should weigh the difference explicitly.

What to confirm

  • This contract is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no optional GLWB rider attached and no Protected Income Value income chassis — buyers who need a contractually published lifetime-withdrawal rate should look at Corebridge's Power Protector Plus Income or a true rider-led FIA, not this contract.
  • Power Index Advisory carries a meaningfully higher minimum-premium threshold than the carrier's retail FIA filings, consistent with the advisory-channel positioning. Smaller premium amounts will not qualify; check the live key-facts panel for the current minimum and confirm with the carrier before illustrating.
  • Several of the participation strategies on this contract are tied to proprietary volatility-controlled indexes (Franklin Quality Dividend Total Return 5% Index, ML Strategic Balanced Index, PIMCO Global Optima Index). Their participation rates can look high in absolute terms because of the index's volatility target — they are not directly comparable to an S&P 500 cap, so each strategy needs to be evaluated on its own historical and forward characteristics rather than on the headline participation number alone.
  • The guaranteed-minimum cap floor is very low — caps on the index strategies can reset down toward that floor at each crediting anniversary, and although a no-surrender contract leaves the buyer unencumbered to walk away, there is no contractual ceiling on how far caps can move at renewal. Renewal-rate behavior is the central long-run risk to evaluate.

Not ideal for

Buyers who need a contractually published GLWB lifetime-withdrawal rate (that calls for an income-rider sibling, not this contract), want a premium bonus, expect a death-benefit roll-up beyond standard, or cannot meet the higher minimum-premium threshold — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (18 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: 100% + Fixed: 3.7% · 1-yr

S&P 500 Index

trigger

$100,000+

Par: 100% + Fixed: 3.7% · 1-yr

S&P 500 Index

$100,000+

Par: 82% · 1-yr

ML Strategic Balanced Index

participation

$100,000+

Par: 82% · 1-yr

ML Strategic Balanced Index

$100,000+

Par: 76% · 1-yr

Franklin Quality Dividend Total Return 5% Index

participation

$100,000+

Par: 76% · 1-yr

Franklin Quality Dividend Total Return 5% Index

$100,000+

Par: 57% · 1-yr

PIMCO Global Optima Index

participation

$100,000+

Par: 57% · 1-yr

PIMCO Global Optima Index

$100,000+

Par: 24% · 1-yr

S&P 500 Index

participation

$100,000+

Par: 24% · 1-yr

S&P 500 Index

$100,000+

Cap: 5.9% · 1-yr

MSCI EAFE Index

cap

$100,000+

Cap: 5.9% · 1-yr

Russell 2000 Index

cap

$100,000+

Cap: 5.9% · 1-yr

S&P 500 Index

cap

$100,000+

Cap: 5.9% · 1-yr

MSCI EAFE Index

$100,000+

Cap: 5.9% · 1-yr

Russell 2000 Index

$100,000+

Cap: 5.9% · 1-yr

S&P 500 Index

$100,000+

Fixed: 2.65% · 1-yr

Fixed Account

fixed

$100,000+

Fixed: 2.65% · 1-yr

Fixed Account

$100,000+

Income riders

Income rider

Lifetime Income Max

RMD friendly
Lifetime withdrawal rate6.85%
Annual rider fee1%
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.

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 0

0%

After

0%

Documents

brochure

Power Index Advisory brochure 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 Index Advisory currently shows 9 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index and Fixed Account, with 5 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: 5.9% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 24% participation

Income rider language

What to look for before treating the rider as income

Lifetime Income Max 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.

  • 6.85% withdrawal rate
  • 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

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Power Index Advisory brochure 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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