American General Life Insurance Company
Power 10 Protector
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
1.30%
A.M. Best
A
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Account | Fixed | 4.00% | — | — | 1.30% |
| 1 Year Fixed Account | Fixed | 3.75% | — | — | 1.27% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 225.00% | 0.90% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 235.00% | 0.90% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 155.00% | 0.90% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 165.00% | 0.90% |
| 1 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 120.00% | 0.90% |
| 1 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 140.00% | 0.90% |
| 1 Year ML Strategic Balanced Annual Point to Point with Participation | Point to Point | — | — | 90.00% | 0.90% |
| 1 Year ML Strategic Balanced Annual Point to Point with Participation | Point to Point | — | — | 110.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Participation | Point to Point | — | — | 60.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Participation | Point to Point | — | — | 70.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 80.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 95.00% | 0.90% |
| 1 Year S&P 500 Annual Point to Point | Point to Point | — | 8.60% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point | Point to Point | — | 9.60% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point Performance Triggered | Performance Triggered | — | 6.00% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point Performance Triggered | Performance Triggered | — | 7.00% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point with Participation | Point to Point | — | — | 47.00% | 0.90% |
| 1 Year S&P 500 Annual Point to Point with Participation | Point to Point | — | — | 52.00% | 0.90% |
| 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 57.00% | 0.90% |
| 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 62.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 305.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 315.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 230.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 240.00% | 0.90% |
| 2 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 170.00% | 0.90% |
| 2 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 190.00% | 0.90% |
| 2 Year ML Strategic Balance Index Participation Rate | Point to Point | — | — | 120.00% | 0.90% |
| 2 Year ML Strategic Balance Index Participation Rate | Point to Point | — | — | 140.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 125.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 135.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Participation Rate | Point to Point | — | — | 85.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Participation Rate | Point to Point | — | — | 100.00% | 0.90% |
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%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 75
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 10%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 50 states
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.