This retirement solution, designed for long-term investment accumulation, offers you the opportunity for more control and more choice.
With Polaris Select Investor, you’ll have the ability to choose from over 90 investment options and the opportunity to benefit from tax deferral.
You may select from more than 90 investment options that cross more than 20 different asset classes to help maximize long-term growth potential.
If you prefer, you and your advisor may select one of four Polaris Portfolio Allocator models designed by Morningstar Investment Management LLC. Or, you may choose a Select Strategy that includes pre-selected alternative investments.
Polaris Select Investor Variable Annuity brings together the benefits of tax deferral, diverse investment choices, and leading money managers to help you reach your long-term goals.
Ask your financial professional for more information about annuity solutions that can help you establish a reliable retirement income source.
Morningstar Investment Management LLC provides consulting services to SunAmerica Asset Management, LLC but is not acting in the capacity of advisor to individual investors. The Morningstar name and logo are either trademarks or service marks of Morningstar. Morningstar is not affiliated with SunAmerica Asset Management, LLC or the insurance companies listed below.
Additional information about alternative investments: These funds expect to invest in positions that emphasize alternative investment strategies and/or non-traditional asset classes and, as a result, are subject to special risks. Alternative investment strategies may be riskier than traditional investment strategies and involve leverage or may use various complex hedging techniques, like options and derivatives. The performance of these types of strategies may not be highly correlated with traditional investments in debt or equities and the correlation of returns may not be stable over time. This means that when the value of traditional investments is decreasing, the value of alternative asset classes may be increasing or decreasing or be relatively unchanged. Often, alternative asset classes are not registered under the U.S. securities laws or similar laws in other countries, and therefore, are subject to less regulation and have additional risks than securities that are registered in the U.S. Each fund’s prospectus has information on that fund’s investment strategies and risks.
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 Polaris 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 advisor 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 areissued 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 and SunAmerica Asset Management, LLC 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: US-802 (5/14)
Effective 5/2/16, the form number “US-802 (5/14)” is replaced by “US-803 (12/15) and US-803-PSI-C (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.