Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Power 5 Protector

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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, 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 S&P 500 PTP Participation Rate
Point to Point
Annual
29% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
42% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Biennial
95% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Annual
70% Participation
2-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Biennial
65% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Biennial
160% Participation
1-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Annual
110% Participation
2-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Biennial
115% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Biennial
325% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Annual
220% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Biennial
250% Participation
1-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Annual
145% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.25% Cap
5-Year S&P 500 PTP Cap
Point to Point
5-Year
50% Cap
1-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Annual
70% Participation
1-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7% Performance triggered
1-Year Fixed Account
Fixed
4.75% Fixed
1-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
47% Participation
2-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Biennial
110% Participation
1-Year PIMCO Global Optima PTP Enhanced Participation Rate
Point to Point
Annual
85% Participation
5-Year S&P 500 PTP Cap
Point to Point
5-Year
55% Cap
2-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Biennial
80% Participation
2-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Biennial
185% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
11.25% Cap
1-Year ML Strategic Balanced PTP Enhanced Participation Rate
Point to Point
Annual
135% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
34% Participation
2-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Biennial
140% Participation
2-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Biennial
340% Participation
1-Year PIMCO Global Optima PTP Participation Rate
Point to Point
Annual
60% Participation
1-Year AQR DynamiQ Allocation PTP Enhanced Participation Rate
Point to Point
Annual
235% Participation
1-Year ML Strategic Balanced PTP Participation Rate
Point to Point
Annual
95% Participation
2-Year AQR DynamiQ Allocation PTP Participation Rate
Point to Point
Biennial
265% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8% Performance triggered

Surrender schedule

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