Power 5 Protector Rate & Reviews

Power 5 Protector

Power 5 Protector is part of The Power Series of Index Annuities — fixed index annuities (FIAs) that are issued by American General Life Insurance Company (AGL). They are insurance contracts, not direct investments in the stock market or any particular index. In exchange for your money (premium), the FIA provides you with the opportunity to earn interest based on specific indices or a fixed rate. When you need income, AGL promises to make regular income payments through annuitization (a process that permanently converts your contract to retirement income for no cost).

RJ Banks
RJ Banks version of this product does not offer 5-yr S&P 500 PTP, PIMCO Crediting Strategies, or 2-yr MLSB PTP strategy

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, 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% Fixed
1-Year AQR DynamiQ Allocation PTP Participation Rate	Point to Point Annual	165% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate	Point to Point Biennial	265% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate	Point to Point Annual	240% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate	Point to Point Biennial	340% Participation
2-Year ML Strategic Balanced PTP Participation Rate	Point to Point Biennial	130% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Annual	125% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Biennial	175% Participation
2-Year PIMCO Global Optima PTP Participation Rate	Point to Point Biennial	85% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Annual	85% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Biennial	115% Participation
1-Year S&P 500 PTP Enhanced Participation Rate	Point to Point Annual	55% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	9.15% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
5-Year S&P 500 PTP Cap	Point to Point 5-Year	53% Cap
1-Year PIMCO Global Optima PTP Participation Rate	Point to Point Annual	60% Participation
1-Year ML Strategic Balanced PTP Participation Rate	Point to Point Annual	85% Participation
1-Year Fixed Account	Fixed	4% 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 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
2-Year ML Strategic Balanced PTP Participation Rate	Point to Point Biennial	155% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Annual	150% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate	Point to Point Biennial	200% Participation
2-Year PIMCO Global Optima PTP Participation Rate	Point to Point Biennial	100% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate	Point to Point Annual	100% 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
5-Year S&P 500 PTP Cap	Point to Point 5-Year	60% Cap
1-Year S&P 500 PTP Cap	Point to Point Annual	10.5% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year PIMCO Global Optima PTP Participation Rate	Point to Point Annual	75% Participation
1-Year ML Strategic Balanced PTP Participation Rate	Point to Point Annual	110% Participation

Surrender schedule

Year	1	2	3	4	5
Penalty	8%	7%	6%	5%	4%