American General Life Insurance Company
Power 7 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
7 years
Top yield
1.20%
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 | 2.40% | — | — | 1.20% |
| 1 Year Fixed Account | Fixed | 2.15% | — | — | 1.16% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 163.00% | 0.86% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 173.00% | 0.86% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 103.00% | 0.86% |
| 1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 113.00% | 0.86% |
| 1 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 73.00% | 0.86% |
| 1 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 88.00% | 0.86% |
| 1 Year ML Strategic Balanced Annual Point to Point with Participation | Point to Point | — | — | 33.00% | 0.86% |
| 1 Year ML Strategic Balanced Annual Point to Point with Participation | Point to Point | — | — | 43.00% | 0.86% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation | Point to Point | — | — | 50.00% | 0.86% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Enhanced Participation | Point to Point | — | — | 55.00% | 0.86% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Participation | Point to Point | — | — | 25.00% | 0.86% |
| 1 Year PIMCO Global Optima Index Annual Point to Point with Participation | Point to Point | — | — | 30.00% | 0.86% |
| 1 Year S&P 500 Annual Point to Point Performance Triggered | Performance Triggered | — | 3.15% | — | 0.86% |
| 1 Year S&P 500 Annual Point to Point Performance Triggered | Performance Triggered | — | 3.90% | — | 0.86% |
| 1 Year S&P 500 Annual Point to Point with Participation | Point to Point | — | — | 8.00% | 0.86% |
| 1 Year S&P 500 Annual Point to Point with Participation | Point to Point | — | — | 13.00% | 0.86% |
| 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 23.00% | 0.86% |
| 1 Year S&P 500 Annual Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 28.00% | 0.86% |
| 1-Year S&P 500 Annual Point-to-Point Account | Point to Point | — | 3.60% | — | 0.86% |
| 1-Year S&P 500 Annual Point-to-Point Account | Point to Point | — | 4.60% | — | 0.86% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 208.00% | 0.86% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Enhanced Participation Rate | Point to Point | — | — | 218.00% | 0.86% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 148.00% | 0.86% |
| 2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate | Point to Point | — | — | 158.00% | 0.86% |
| 2 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 114.00% | 0.86% |
| 2 Year ML Strategic Balance Index Enhanced Participation Rate | Point to Point | — | — | 134.00% | 0.86% |
| 2 Year ML Strategic Balance Index Participation Rate | Point to Point | — | — | 79.00% | 0.86% |
| 2 Year ML Strategic Balance Index Participation Rate | Point to Point | — | — | 89.00% | 0.86% |
| 2 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 76.00% | 0.86% |
| 2 Year PIMCO Global Optima Index Enhanced Participation Rate | Point to Point | — | — | 81.00% | 0.86% |
| 2 Year PIMCO Global Optima Index Participation Rate | Point to Point | — | — | 46.00% | 0.86% |
| 2 Year PIMCO Global Optima Index Participation Rate | Point to Point | — | — | 51.00% | 0.86% |
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
Product Specifications
- Minimum premium (non-qualified)
- $25,000
- Minimum premium (qualified)
- $25,000
- Maximum issue age
- 80
- 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.