Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

VALIC review

Annuity Atlas covers 2 VALIC annuity products with live rates and contract specs. 2 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A

Insurer claims-paying rating

Products tracked
2
Surrender range
5–7 years
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Products covered
2
A.M. Best
A
Categories covered
FIA

2 VALIC annuities

Click any product for rates, specs, and the full peer-group review.

Power Index 5 Elite
Buyers who want principal protection, a broad menu of crediting strategies, and a shorter 5-year surrender window without paying for an income rider they do not need
A
A.M. BEST
FIA5-YR SURRENDER
Review →
Power Index Elite
Buyers who want principal protection, a genuinely fee-free base contract, and a deep crediting menu that includes a guaranteed 5% participation floor on its uncapped strategies
A
A.M. BEST
FIA7-YR SURRENDER
Review →

Income rider fees

Disclosed charges for optional riders on VALIC products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Valic Lifetime Income PlusPower Index Elite0.95% annually
VALIC Lifetime Income Plus with MultiplierPower Index Elite0.95% annually

Frequently asked questions

Is VALIC a good annuity company?
We have reviewed 2 VALIC products, and A.M. Best rates the carrier A for financial strength.
What are the fees for VALIC annuities?
Fee structures vary by product. Optional income riders on VALIC products carry disclosed charges, for example Valic Lifetime Income Plus (Power Index Elite): 0.95% annually ; VALIC Lifetime Income Plus with Multiplier (Power Index Elite): 0.95% annually . See each product review for the full fee detail.
What is the surrender period for VALIC annuities?
Surrender periods on VALIC's current lineup run 5–7 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
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