Is the Corebridge Power 10 Protector a Good Annuity?
The Corebridge Power 10 Protector is a 10-year fixed index annuity issued by American General Life, a Corebridge company, designed for guaranteed lifetime income. If your goal is safe growth instead, see our Corebridge Power Select Builder review. The verdict: a 9% simple roll-up that builds income fast, but a 4.9% S&P 500 cap.
- Best for: buyers 55 to 70 who want income starting in 5 to 10 years and have growth covered elsewhere.
- Not for: anyone seeking accumulation, or who may need more than 10% a year before year 11.
Corebridge Power 10 Protector at a Glance
| Feature | Details |
|---|---|
| Purpose | Guaranteed lifetime income |
| Carrier | American General Life, a Corebridge Financial company (AM Best A) |
| Surrender schedule | 10 years: 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% |
| Market value adjustment | Yes, on excess withdrawals and surrender (how an MVA works) |
| Premium | $25,000 minimum |
| Issue ages | 50 to 75 |
| Free withdrawal | 10% a year after year 1, or the rider’s annual income if larger |
| Waivers | Nursing care (90 days) and terminal illness, after year 1 |
| Death benefit | Account value (the income base is not paid to heirs) |
| Guaranteed minimum value | 87.5% of premium, less withdrawals |
| Income rider | Lifetime Income Choice, built in; 1.10% a year on the income base |
| Illustration basis | March 2026; male 60; $100,000; income at 65 |
How Much Income Does the Corebridge Power 10 Protector Pay?
| Income rider | Details |
|---|---|
| Rider fee | 1.10% of the income base, taken from account value |
| Roll-up | 9% simple a year while you wait ($9,000 a year on $100,000) |
| Income base at 65 (5 years) | $145,000 |
| Payout rate at 65 | 7.50% |
| Guaranteed income at 65 | $10,875 a year for life |
| Enhanced Income option | Up to 200% of income (150% joint) with a qualifying health impairment |
- Waiting pays: each year of deferral adds $9,000 to the base on $100,000, whatever the index does.
- Income is for life: payments continue even if fees and withdrawals empty the account.
- The base isn’t cash: heirs get the account value, never the income base.
- Run your own numbers: try our income rider calculator or the live quote below.
How Much Guaranteed Lifetime Income Can You Buy?
Live quotes from today’s carrier feedHypothetical Historical Rate of Return
The illustration starts $10,875 of guaranteed income at 65 on a $100,000 premium and tracks it to age 96.
| Age | Guaranteed income a year | Total income received |
|---|---|---|
| 65 | $10,875 | $10,875 |
| 75 | $10,875 | $108,750 |
| 85 | $10,875 | $217,500 |
| 96 | $10,875 | $337,125 |
- Effective return: $337,125 of income by 96 works out to about 3.9% a year on the original premium.
- Low growth engine: the S&P 500 cap is just 4.9%, because the budget funds the roll-up.
- Benchmark it: compare the 4.9% cap with current fixed index annuity rates.
- MYGA benchmark: At today's top 10-year rate of 6.30% (compound), $100,000 grows to about $184,218 over 10 years, a gain of $84,218. See current MYGA rates.
Get your Power 10 Protector illustration for your age and state
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Corebridge Power 10 Protector Strengths and Red Flags
What it does well
- 9% simple roll-up: builds the income base by $9,000 a year on $100,000.
- Care support: nursing and terminal illness waivers, plus up to double income for qualifying impairments.
- Large carrier: American General Life is rated A by AM Best.
Red flags
- 4.9% S&P 500 cap: little account growth, so little left for heirs later.
- Fee from day one: 1.10% a year on the income base, which grows faster than your account.
- 10-year lock-up: a 9% charge in years 1 and 2, plus an MVA.
- Narrow issue ages: 50 to 75 only.
Final verdict: the Corebridge Power 10 Protector is built for guaranteed lifetime income after a few years of deferral. It earns our 4.7 rating for buyers who want a fast-growing income base. For safe growth, the Power Select Builder fits better than the Corebridge Power 10 Protector.
Compare live rates on 137 fixed index annuities or visit our annuity review database.
This review is for educational purposes only and is not a recommendation or an offer to sell any annuity. Product features, index options, and rates can and do vary by state, and this product is not available for sale in every state. Always request a carrier illustration and work with a licensed annuity agent before you buy.
Frequently Asked Questions
What is the roll-up rate on the Corebridge Power 10 Protector?
The rider adds 9% simple interest a year to the income base while you wait. On $100,000, the base reaches $145,000 after 5 years and $190,000 after 10.
Is the Power 10 Protector good for accumulation?
No. The 4.9% S&P 500 cap is low because the budget funds the income roll-up. For growth, compare an accumulation annuity instead.
What happens to the income base when I die?
Nothing passes from it. Your beneficiary receives the account value. The income base only sets the size of your income payments.
How does the nursing care waiver work?
After year 1, 90 straight days in a nursing facility waives surrender charges and the MVA, so you can withdraw up to 100% of your account value.
