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Fixed Indexed Annuity

Power Select Builder

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.6% cap on S&P 500

A ten-year-surrender, accumulation-focused fixed indexed annuity from Corebridge's American General Life Insurance Company in the Power Select family — built around a recognizable S&P 500 annual point-to-point cap plus an S&P 500 declared-rate trigger and a deep menu of one-year and two-year participation-rate strategies on Russell 2000 and five proprietary volatility-controlled indexes, with optional fee-bearing Enhanced Tier variants and a substantial minimum-premium threshold. No income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing a substantial amount of rollover or non-qualified money to a full ten-year deferral who want a recognizable S&P 500 cap as a like-for-like comparison point, the option to layer in higher-participation proprietary-index or two-year strategies, and the optional fee-bearing Enhanced Tier levers — from a large tri-agency-rated Corebridge subsidiary, and who do not need a built-in lifetime income rider on this contract.

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

9.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6.6% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

47% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

3.75% declared rate

Rate varies by premium band.

+ 18 volatility-controlled index options (Balanced, PIMCO, Russell 2000...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu spans seven distinct index families plus a fixed account — a recognizable S&P 500 annual point-to-point cap, an S&P 500 declared-rate trigger that credits a fixed amount whenever the index return is zero or positive, a Russell 2000 participation strategy, and participation-rate options on four proprietary indexes (ML Strategic Balanced, PIMCO Global Optima, Dimensional US Foundations, AB All Market, Invesco New Economy). Several of those indexes are also offered on a two-year crediting cadence, so a buyer can choose between like-for-like S&P comparison and higher-participation proprietary alternatives in one contract.
  • Dimensional US Foundations and AB All Market are available in a no-fee base form and in two 'Enhanced Tier' variants (Tier 1 and Tier 2) that lift participation rates in exchange for a published annual strategy charge — buyers willing to pay an explicit fee to dial up index exposure have that lever inside the contract rather than having to switch products.
  • 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 across multiple sources rather than single-agency.
  • Free-withdrawal allowance, the full ten-year surrender ladder, and the nursing-home, terminal-illness, and RMD surrender-charge waivers are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This is an accumulation-focused contract — the live feed returns an empty income-rider list and there is no Protected Income Value mechanism. Corebridge sells the rider-led version of this chassis under separate filings (e.g. Power Select Plus Income, Power Select AICO); a buyer who needs a contractually guaranteed lifetime withdrawal rate should look at a rider-led product instead and should not compare this contract's strategy menu side-by-side with a published GLWB payout.
  • The 'Enhanced Tier 1' and 'Enhanced Tier 2' participation strategies carry annual strategy charges that are deducted from the account value regardless of index performance. Their headline participation rates look high in absolute terms but are not directly comparable to the no-fee base versions of the same index — read the fee column on the strategy table before assuming the higher number is the better deal.
  • Most of the index lineup is proprietary and volatility-controlled (ML Strategic Balanced, PIMCO Global Optima, Dimensional US Foundations, AB All Market, Invesco New Economy). Participation rates on these strategies can look very high in absolute terms but are not directly comparable to an S&P 500 cap — each carries its own volatility-control mechanic that dampens both upside and downside, and several have shorter live-track histories than the S&P 500 itself. Evaluate each strategy on its own merits.
  • Surrender ladder runs the full ten years and the contract carries a substantial minimum-premium threshold — meaningfully more demanding on both the commitment window and the entry-ticket size than the shorter-surrender Power Select Advisory (no surrender, advisory channel) and Power Select AICO (five-year) variants in the same family. The death benefit is the standard cash-surrender-value death benefit with no roll-up — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based or roll-up death benefit on a competing contract.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (look at the Power Select Plus Income or Power Select AICO filings instead), cannot meet the contract's minimum-premium threshold or commit to the full ten-year surrender, prefer the fee-based advisory chassis of Power Select Advisory (zero surrender), or want an account-value-based or roll-up death benefit — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (44 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: 250% · 1-yr

Dimensional US Foundations Index

Enhanced Tier 2 · participation

10-yr surrender$100,000+

Par: 250% · 1-yr

AB All Market Index

Enhanced Tier 2 · participation

10-yr surrender$100,000+

Par: 205% · 1-yr

Dimensional US Foundations Index

Enhanced Tier 1 · participation

10-yr surrender$100,000+

Par: 205% · 1-yr

AB All Market Index

Enhanced Tier 1 · participation

10-yr surrender$100,000+

Par: 165% · 1-yr

Dimensional US Foundations Index

participation

10-yr surrender$100,000+

Par: 165% · 1-yr

AB All Market Index

participation

10-yr surrender$100,000+

Par: 110% · 1-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 100% + Fixed: 6.6% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 70% · 1-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 55% · 1-yr

Invesco New Economy Index

participation

10-yr surrender$100,000+

Par: 35% · 1-yr

Russell 2000 Index

participation

10-yr surrender$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 3.75% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 340% · 2-yr

Dimensional US Foundations Index

Enhanced Tier 2 · participation

10-yr surrender$100,000+

Par: 340% · 2-yr

AB All Market Index

Enhanced Tier 2 · participation

10-yr surrender$100,000+

Par: 290% · 2-yr

Dimensional US Foundations Index

Enhanced Tier 1 · participation

10-yr surrender$100,000+

Par: 290% · 2-yr

AB All Market Index

Enhanced Tier 1 · participation

10-yr surrender$100,000+

Par: 240% · 2-yr

Dimensional US Foundations Index

participation

10-yr surrender$100,000+

Par: 240% · 2-yr

AB All Market Index

participation

10-yr surrender$100,000+

Par: 100% + Spread: 1.2% · 2-yr

ML Strategic Balanced Index

participation

10-yr surrender$100,000+

Par: 80% · 2-yr

PIMCO Global Optima Index

participation

10-yr surrender$100,000+

Par: 47% · 2-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 250% · 1-yr

Dimensional US Foundations Index

Enhanced Tier 2

$100,000+

Par: 250% · 1-yr

AB All Market Index

Enhanced Tier 2

$100,000+

Par: 205% · 1-yr

Dimensional US Foundations Index

Enhanced Tier 1

$100,000+

Par: 205% · 1-yr

AB All Market Index

Enhanced Tier 1

$100,000+

Par: 165% · 1-yr

Dimensional US Foundations Index

$100,000+

Par: 165% · 1-yr

AB All Market Index

$100,000+

Par: 110% · 1-yr

ML Strategic Balanced Index

$100,000+

Par: 100% + Fixed: 6.6% · 1-yr

S&P 500 Index

$100,000+

Par: 70% · 1-yr

PIMCO Global Optima Index

$100,000+

Par: 55% · 1-yr

Invesco New Economy Index

$100,000+

Par: 35% · 1-yr

Russell 2000 Index

$100,000+

Cap: 9.6% · 1-yr

S&P 500 Index

$100,000+

Fixed: 3.75% · 1-yr

Fixed Account

$100,000+

Par: 340% · 2-yr

Dimensional US Foundations Index

Enhanced Tier 2

$100,000+

Par: 340% · 2-yr

AB All Market Index

Enhanced Tier 2

$100,000+

Par: 290% · 2-yr

Dimensional US Foundations Index

Enhanced Tier 1

$100,000+

Par: 290% · 2-yr

AB All Market Index

Enhanced Tier 1

$100,000+

Par: 240% · 2-yr

Dimensional US Foundations Index

$100,000+

Par: 240% · 2-yr

AB All Market Index

$100,000+

Par: 100% + Spread: 1.2% · 2-yr

ML Strategic Balanced Index

$100,000+

Par: 80% · 2-yr

PIMCO Global Optima Index

$100,000+

Par: 47% · 2-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

9%

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

I6181FL1.pdf

Confidence: highReviewed Apr 11, 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 Select Builder currently shows 22 distinct indexed or fixed crediting choices across 44 current rate listings, including S&P 500 Index and Fixed Account, with 18 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: 47% 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
  • 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 I6181FL1.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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