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  • American General Life Insurance Company


    Power 5 Protector


    A Fixed Indexed Annuity with a 5-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A   Fitch:  A+   Moody's:  A2   Standard & Poor's:  A+  

    Rates
      Current Rates
    xx/xx/xxxx
    Guaranteed
    Minimum Values
     Band $25,000+  Cap Spread Part Rate Cap Spread Part Rate
    1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread   ***    ***   ***    ***   ***   *** 
    1 Year ML Strategic Balance Index Participation Rate   ***    ***   ***    ***   ***   *** 
    1 Year MSCI EAFE Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year PIMCO Global Optima Index Participation Rate   ***    ***   ***    ***   ***   *** 
    1 Year Russell 2000 Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Annual Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Annual Point-to-Point Participation Rate   ***    ***   ***    ***   ***   *** 
    2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread   ***    ***   ***    ***   ***   *** 
    5 Year S&P 500 Annual Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %
     Band $100,000+  Cap Spread Part Rate Cap Spread Part Rate
    1 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread   ***    ***   ***    ***   ***   *** 
    1 Year ML Strategic Balance Index Participation Rate   ***    ***   ***    ***   ***   *** 
    1 Year MSCI EAFE Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year PIMCO Global Optima Index Participation Rate   ***    ***   ***    ***   ***   *** 
    1 Year Russell 2000 Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Annual Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year S&P 500 Annual Point-to-Point Participation Rate   ***    ***   ***    ***   ***   *** 
    2 Year AQR DynamiQ Allocation Index Point-to-Point Participation Rate with Spread   ***    ***   ***    ***   ***   *** 
    5 Year S&P 500 Annual Point-to-Point   ***    ***   ***    ***   ***   *** 
    1 Year Fixed Account   (Rate guaranteed for 1 Year) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
    - none -

    Policy Notes

    The @annui --[ subscription required to view full text ]--
    *** @***********@ ** * ****** ******* ***** ***** ******* **** * @*******@ ********* ****** ****** *** *** *********. *** @***********@ ******** * ***** ******** ******* *** ******** ***** ******** ********* **********.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
     
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    Withdrawals are avai --[ subscription required to view full text ]--
    *********** *** ********* ** *** ***** ******** **** *** **, **, **, **, **, **, **, **, **, **, **, **, **, **, *** **

    MVA Explanation
    Not available in AK MN MO OR PA UT WA

    Withdrawals in exc --[ subscription required to view full text ]--
    *********** ** ****** ** *** **** ********** ********** *** ******* ** ** *** ****** *** ********’* ***** @*******@ *****. **** ********** *** ****** ******** ** ******** *** ****** *********, *** ** ********** ** * ******* ** *** ******** **** ******** ******* ** *** ******** **** *********** ***** *** ******** *** ******. *** *** *** ** ********** ** *** ******.

    Commissions
    Effective date of commission schedule: 10/01/2020
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.
    Power 5 Protector
    Up to age 80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Ages 81-85 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Accumulation Value: **** **** **** **** **** ****

    Option 2

    Power 5 Protector
    Up to age 80 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
    Initial Premium: **** **** **** **** **** ****
    Accumulation Value: **** **** **** **** **** ****

    Trail Options Paid Q --[ subscription required to view full text ]--
    ***** ******* **** *********, ******** **** * (***** **)


    Related Information

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