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Polaris Choice IV Variable Annuity

As you chart your course to retirement, keep flexibility in mind.


The Polaris Choice IV Variable Annuity combines growth potential, death benefit features, optional retirement income protection features, and a four-year withdrawal charge schedule for greater flexibility down the road.

Potential Benefits of Polaris Choice IV Variable Annuity

Offering Growth Potential

Portfolios are managed by respected money managers with long track records.

Enjoy Income Protection

You’ll have a choice of optional income protection features – and an enhanced death benefit option. Optional features are available at contract issue for an additional annual cost.

Learn More About Polaris Choice IV

A Solution for Today’s Challenging Retirement Needs

Polaris Choice IV offers the flexibility to design an investment that’s customized for your needs.


Talk to Your Financial Professional

Ask your financial professional for more information about annuity solutions that can help you establish a reliable retirement income source.

If you are electing an Income Benefit feature, you may be purchasing this variable annuity as a long-term investment and consideration should be given as to the product's withdrawal charge schedule and fee. Other products with different withdrawal charge schedules and fees may be available. Please talk to your financial profession about your particular situation.

Annuities are designed for long-term retirement investing. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract, as well as the amount available upon a full surrender. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax may apply. An investment in a variable annuity involves investment risk, including possible loss of principal. The contract, when redeemed, may be worth more or less than the total amount invested. The purchase of a variable annuity is not required for, and is not a term of, the provision of any banking service or activity.

The Company, its distributors and representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.

Variable annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. A prospectus may be obtained from your insurance-licensed financial professional or by calling 1-800-445-7862. Please read the prospectus carefully before investing.

Polaris Variable Annuities are issued by American General Life Insurance Company (AGL), or, in New York by The United States Life Insurance Company in the City of New York (US Life), except the Polaris Platinum Elite and Polaris Choice Elite Variable Annuities, which are issued by The Variable Annuity Life Insurance Company (VALIC) in all states.

Variable annuities are distributed by AIG Capital Services, Inc. (ACS), Member FINRA, 21650 Oxnard St., Suite 750, Woodland Hills, CA 91367-4997, 1-800-445-7862.

Products and riders may vary by state or may not be available in all states.

"AIG" is a marketing name for products issued by AGL, US Life and VALIC.

The aforementioned insurance companies are members of American International Group, Inc. Contract and optional guarantees are backed by the claims-paying ability of the issuing insurance company.

Contract form numbers
AGL: AG-803 (7/13)
US Life: FS-993 (12/10)
VALIC: V-803 (11/14), V-993-CIV (11/14)

Effective 5/2/16, form number “FS-993-PPIII (12/10)” will be replaced by “US-803 (12/15)”


Not FDIC or NCUA/NCUSIF Insured.

May Lose Value. No Bank or Credit Union Guarantee. 

Not a Deposit. Not Insured by any Federal Government Agency.