Fixed index annuity review and rates

Power 10 Protector

The Power 10 Protector Index Annuity offers you a valuable combination of growth potential, tax deferral, and principal protection from market downturns. This blend of accumulation and protection features may be the solution to achieving the retirement you envision.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.4% Fixed
1-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Annual
185% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Biennial
285% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.75% Cap
1-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Annual
62% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Annual
90% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Annual
260% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Biennial
360% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Annual
135% Participation
2-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Biennial
140% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Biennial
195% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Annual
95% Participation
2-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Biennial
95% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Biennial
130% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
60% Participation
1-Year Fixed Account
Fixed
4.4% Fixed
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
65% Participation
1-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Annual
200% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Biennial
300% Participation
1-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Annual
77% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Annual
115% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Annual
275% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Biennial
375% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Annual
160% Participation
2-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Biennial
165% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Biennial
220% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Annual
110% Participation
2-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Biennial
110% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Biennial
145% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%
American General Life Insurance Company
Founded: 1919
A.M. Best: A
Fitch: A+
S&P: A
Moody's: A2
Carrier details
Free withdrawal
1st year: 0%
2nd+ year: 10%
Surrender schedule
10 years
Return of premium
Market value adjustment
Minimum contribution
$25,000
Types of funds
Non-Qualified, 401k, IRA, Spousal IRA, IRA Rollover, TSA 403b, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, Inherited IRA, NQ Stretch, and TSP