American General Life Insurance Company
Power 10 Protector Plus Income
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
1.16%
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 | 2.65% | — | — | 1.16% |
| 1 Year Fixed Account | Fixed | 2.40% | — | — | 1.14% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 173.00% | 0.90% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 183.00% | 0.90% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 113.00% | 0.90% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 123.00% | 0.90% |
| 1 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 78.00% | 0.90% |
| 1 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 92.00% | 0.90% |
| 1 Year ML Strategic Balanced Annual Point to Point with Participation | Point to Point | — | — | 33.00% | 0.90% |
| 1 Year ML Strategic Balanced Annual Point to Point with Participation | Point to Point | — | — | 47.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation | Point to Point | — | — | 59.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation | Point to Point | — | — | 64.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Participation | Point to Point | — | — | 29.00% | 0.90% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Participation | Point to Point | — | — | 34.00% | 0.90% |
| 1 Year S&P 500 Annual Point to Point | Point to Point | — | 3.90% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point | Point to Point | — | 4.90% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point Performance Triggered | Performance Triggered | — | 3.40% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point Performance Triggered | Performance Triggered | — | 4.15% | — | 0.90% |
| 1 Year S&P 500 Annual Point to Point with Participation | Point to Point | — | — | 13.00% | 0.90% |
| 1 Year S&P 500 Annual Point to Point with Participation | Point to Point | — | — | 18.00% | 0.90% |
| 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 27.00% | 0.90% |
| 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 32.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 213.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 218.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 158.00% | 0.90% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 168.00% | 0.90% |
| 2 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 114.00% | 0.90% |
| 2 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 134.00% | 0.90% |
| 2 Year ML Strategic Balance Index Participation Rate | Point to Point | — | — | 79.00% | 0.90% |
| 2 Year ML Strategic Balance Index Participation Rate | Point to Point | — | — | 94.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 81.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 86.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Participation Rate | Point to Point | — | — | 51.00% | 0.90% |
| 2 Year PIMCO Global Optima Index Participation Rate | Point to Point | — | — | 56.00% | 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
- 49 states
Income Riders
Lifetime Income Plus Guaranteed Living Benefit Rider (?)(built in)
Roll-up: 6.50%
Withdrawal age: 55.0 Min
Lifetime Income Plus with MultiplierGLWB(built in)
Roll-up: Interest Only with 2.00% bump up
Withdrawal age: 60.0 Min
Power 10 & 7 Protector Plus Income with Level IncomeGLWB(built in)
Roll-up: 7.50%
Withdrawal age: 50.0 Min
Power 7 & 10 Protector Plus Income Choice with Level IncomeGLWB(built in)
Roll-up: 9.00%
Withdrawal age: 50.0 Min
Power 7 & 10 Protector Plus Lifetime Income Choice with Max IncomeGLWB(built in)
Roll-up: 9.00%
Withdrawal age: 50.0 Min
Power Protector Series Lifetime Income FlexGLWB(built in)
Roll-up: 5.75%
Withdrawal age: 50.0 Min
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.