Inside Edge Retirement Program

Select the Inside Edge Retirement Program if you prefer a broad array of mutual funds and a guaranteed investment option for your retirement account.

Do you like the lower costs associated with no-load funds as you choose investment options for your retirement plan? AIG Retirement, through its independent distribution partners, provides you with a choice in your retirement planning. Select the Inside Edge Retirement Program if you prefer mutual funds and a guaranteed interest option for your retirement account. And AIG Retirement's financial strength and long-term stability helps allow our clients to rest easy and enjoy the best years of their lives.

* Policy Form IFA-406 or GFA-504, individual fixed annuies issued and guaranteed by The Variable Annuity Life Insurance Company, Houston, Texas.

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Mutual Funds Back To Top

Array of no-load mutual funds that span all major asset categories and classes
Highly respected and experienced investment managers
Allows you to create a suitable investment portfolio that helps you achieve your financial objectives for retirement

Investment values will fluctuate, and there is no assurance that the objective of any fund will be achieved
Mutual fund shares are redeemable at the then current net asset value, which can be more or less than their original cost
For quarterly historical performance results click here.

Fixed-Rate Option Back To Top

• Competitive current interest rate

• Can help stabilize a mutual-fund investment portfolio

• Fixed annuity with guaranteed earnings and safety of principal, backed by the claims-paying ability of The Variable Annuity Life Insurance Company

Investment Choice Back To Top

You can invest in the funds that best suit your time horizon, risk tolerance and investment preferences. Bear in mind that mutual funds are intended to be long-term investments, and that income taxes must be paid at withdrawal when used to fund a tax-deferred retirement plan.

How we select funds

• Suitable for retirement portfolio diversification

• Investments representing major asset classes and fund objectives

• Easy to use in asset allocation strategies

• Managed by well-known investment companies

• Advisers and subadvisers with strong track records

• Competitive investment fees and charges

• Appeal to long-term investors, including independent traders, active investors and passive savers

Charges Back To Top

Fees and charges

• Mutual funds have no Separate Account charges or contingent deferred sales charges
• Annual custodial fee up to $40 depending on your custodial document
• Mutual fund management fees (See prospectus for more information)
• Free annual in-service withdrawals or transfers are limited to 20% of the amount allocated to the fixed option. Fees or additional limitations may apply depending on the contract unless certain conditions are met.

No surrender charge for fixed annuity option

There is no surrender charge for Policy Form IFA-406 when any of these events apply:

• You annuitize your account
• Your death
• Your total and permanent disability
•  You make withdrawals to comply with required minimum distributions
•  You separate from service from the employer sponsoring the plan
•  You are at least 59½ and the contract has been in effect for five years or more

There is no surrender charge for Policy Form GFA-504 when any of these events apply:

•  You annuitize your account
• Your death
•  Your total and permanent disability
• You make withdrawals to comply with required minimum distributions
•  You separate from service from the employer sponsoring the plan

Guarantees on the fixed annuity option

• The fixed rate is declared monthly. The Variable Annuity Life Insurance Company guarantees the rate on all deposits received that month through the end of the calendar year. The Variable Annuity Life Insurance Company intends (but does not guarantee) to pay this rate on those deposits for an additional year but will never go below the minimum interest guarantee of 2.00%.

• In the event of the owner’s death, the death benefit is equal to the account value of both the mutual funds and fixed annuity at the time all the paperwork is received "in good order."

• All guarantees are backed by the claims-paying ability of The Variable Annuity Life Insurance Company, one of the companies that makes up AIG Retirement. The Variable Annuity Life Insurance Company underwrites, issues and guarantees our annuity products and policies.

To obtain prospectuses for the mutual funds in this plan, click here or call 1-800-448-2542. Each fund prospectus contains the investment objectives, risks, charges, expenses and other information about the investment company that you should consider carefully before investing. Please read the prospectus carefully before investing or sending money.

Mutual funds offered by AIG Retirement are distributed by its affiliate, American General Distributors, Inc., 2929 Allen Parkway, Houston, TX 77019, member FINRA.

Important Notice about Purchasing a VALIC Annuity From Us

To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who purchases certain annuity products. What this means for you: When you purchase certain annuity products from us, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

Annuities and insurance products are offered by The Variable Annuity Life Insurance Company (VALIC), AIG Annuity Insurance Company, AIG-affiliated insurance companies or other approved companies. Each underwriting company is financially responsible for its own insurance products.

Securities and investment advisory services are offered by AIG Retirement Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor.

AIG Retirement is the marketing name for the group of companies comprising AIG Retirement Advisors, Inc.; AIG Retirement Services Company; and The Variable Annuity Life Insurance Company (VALIC); each of which is a subsidiary of American International Group, Inc.

This information is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.