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
4.5% Fixed
1-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Annual
180% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Biennial
280% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Annual
60% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Annual
85% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Annual
255% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Biennial
355% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Annual
130% Participation
2-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Biennial
135% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Biennial
190% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Annual
93% Participation
2-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Biennial
92% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Biennial
127% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
55% Participation
1-Year Fixed Account
Fixed
4.75% Fixed
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
60% Participation
1-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Annual
190% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Biennial
290% Participation
1-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
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
105% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Annual
265% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Biennial
365% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Annual
150% Participation
2-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Biennial
155% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Biennial
210% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Annual
100% Participation
2-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Biennial
100% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Biennial
135% 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