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Frequently Asked Questions
Nearly 2.5 million people trust AIG companies to help them prepare
As you build your retirement income strategy, consider our annuities
as part of your overall solution. Whether you are in the early stages
of saving or already in retirement, annuities can provide valuable
benefits that include tax-deferred growth opportunities, principal and
income protection and a guaranteed income stream that can last a
lifetime. AIG annuities offer a broad suite of income solutions
designed to meet your needs today, tomorrow and for life.
Fixed annuities offer guaranteed interest rates for growth potential and a predictable income stream when you need it.
Immediate and deferred income annuities provide a predictable income stream with flexible payout options.
Index annuities offer growth potential based in part on the performance of a market index for those who are planning for retirement or seeking guaranteed lifetime income.
Variable annuities can offer growth potential, family protection features, and a variety of optional retirement income protection features.
Are you looking for additional details? Learn more about variable annuity features, benefits and investment options with convenient access to most recent prospectuses and reports.
Whether you’re tracking your current annuities or exploring potential investments, you can gain easy access to the most current performance information for the underlying portfolios in Polaris and other variable annuities.
Retirement Education Resources
Many Americans rely on Social Security as a key component of their retirement plans. Your decision about when to start collecting benefits will have a lasting impact on your retirement income. Check out this guide to learn about some key factors to consider.
Our free online retirement income analysis and repositioning tool helps financial professionals calculate the income clients may need in retirement. Work with your financial professional to get started today.
Talk to Your Financial Professional
Ask your financial professional for more information about annuity solutions that can help you establish a retirement income source.
Index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the claims-paying ability of the issuing insurance company. They provide the potential for interest to be credited based in part on the performance of the specified index, without the risk of loss of premium due to market downturns or fluctuations. Clients cannot invest in an index directly.
Annuities are designed for long-term retirement purposes. Early withdrawals may be subject to withdrawal charges. Partial withdrawals reduce the contract value and may also reduce certain benefits under the contract, such as the death benefit and the amount available upon 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 the possible loss of principal. The contract, when redeemed, may be worth more or less than the total amount invested.
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 financial advisor or by calling 1-800-445-7862. Please read the prospectus carefully before investing.
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 and the Power Index Elite index annuity, 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.
AGL, US Life, VALIC and ACS are members of American International Group, Inc. All contract and optional benefit guarantees are backed by the claims-paying ability of the issuing insurance company and are not the obligation or responsibility of AIG.
All products and features may not be available in all states. The purchase of an annuity is not required for, and is not a term of, the provision of any banking service or activity.
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.