AIG Power Series of Index Annuities – Lifetime Income With Market Protection
Flexible Retirement Planning With Guaranteed Income
At Diversified Insurance Brokers, we help individuals create retirement strategies built on guaranteed income, tax-deferred growth, and market protection. The Power Series of Index Annuities, issued by American General Life Insurance Company (AGL), a member of Corebridge Financial, is a fixed index annuity designed to help you grow and protect your savings—while also providing guaranteed income you can’t outlive.
With powerful index crediting strategies and optional income riders, this annuity is ideal for individuals seeking reliable long-term growth and financial security in retirement.
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Market-Linked Growth Without Market Losses
The Power Series of Index Annuities offers multiple index crediting options, including:
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S&P 500® Index – classic market exposure without dividends
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AQR DynamiQ Allocation Index® – a volatility-controlled index for balanced performance
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PIMCO Global Optima Index® – globally diversified strategy backed by institutional research
These strategies give you upside potential when markets perform, while ensuring your principal is protected from loss during downturns.
Tax-Deferred Compounding for Faster Growth
All interest credited to your annuity grows tax-deferred, which means your earnings compound more efficiently without triggering annual taxes—until you begin taking withdrawals.
Flexible Withdrawal Options
After the first contract year, the annuity allows penalty-free withdrawals of up to 10% of your account value each year, offering access when needed without surrender charges.
Guaranteed Lifetime Income Rider (GLWB)
With the Guaranteed Lifetime Withdrawal Benefit, you can secure an income stream that continues for life—even if your account value drops to zero. This rider helps provide consistent income regardless of market performance or longevity.
Enhanced Income for Long-Term Care Needs
The Enhanced Income Benefit Rider increases withdrawal income for up to five years if the policyholder meets qualifying long-term care conditions, providing an added layer of protection during health-related challenges.
Who Should Consider the Power Series of Index Annuities?
This annuity is an excellent option for:
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Individuals approaching retirement who want growth without risk of loss
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Retirees needing guaranteed lifetime income
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Families concerned about future long-term care costs
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Savers who value principal protection with upside opportunity
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Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: AIG Power Series Annuity
What is AIG Power Series?
AIG Power Series is a fixed indexed annuity designed for long-term retirement savings — offering principal protection, tax-deferred growth potential, and flexible crediting strategies linked to market indexes.
How does interest get credited under Power Series?
Interest may be credited using various index-crediting strategies — often through participation rates, caps, or spread-based methods. Depending on the chosen strategy, your annuity may participate in a portion of the index gains while being shielded from downside market risk.
Does AIG Power Series offer a bonus or enhanced credit?
No — Power Series typically emphasizes long-term indexed growth rather than upfront bonuses. Growth is meant to accumulate over time through credited interest, not an initial bonus credit.
Are penalty-free withdrawals permitted?
Yes, the contract generally allows annual penalty-free withdrawals up to a specified percentage of the account value. This feature is common among fixed indexed annuities following typical annuity free withdrawal rules.
Can Power Series be used for lifetime income?
While Power Series is primarily marketed for accumulation, many clients later convert their annuity value into a lifetime income stream or combine it with income riders from other products. For retirement income planning guidance, see our guide on best retirement income annuity options.
Who is AIG Power Series best suited for?
It suits individuals seeking conservative growth with downside protection — especially those nearing retirement who want accumulation potential without stock market risk, but still maintain flexibility before converting to income.
What are the trade-offs or limitations?
Potential limitations include surrender charges for early withdrawals beyond the penalty-free limit, crediting caps or participation limits that may limit upside in strong markets, and limited liquidity until surrender period ends.
How can I compare Power Series with other annuities?
Compare crediting methods (caps, participation, spread), withdrawal flexibility, surrender schedules, and long-term growth potential. A good starting point is our current annuity rate page for side-by-side rate comparison.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
