VALIC review

Annuity Atlas covers 2 VALIC annuity products with live rates and contract specs. 2 carry full editorial reviews.

Carrier strength

A.M. Best

Products2

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Products covered

A.M. Best

Categories covered

FIA

2 VALIC annuities

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

Product	Type	Surrender	Rating	Income rider	Bonus
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	FIA	5yr	A	—	—	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	FIA	7yr	A	—	—	Review →

Income rider fees

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

Rider	Product	Fee
Valic Lifetime Income Plus	Power Index Elite	0.95% annually
VALIC Lifetime Income Plus with Multiplier	Power Index Elite	0.95% 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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