Premiere 5<sup>SM</sup>

Premiere 5^SM

Work is not always fun, but your retirement can be enjoyable if you plan for your retirement needs. One way you can plan for your future needs is with the Premiere 5, a flexible-premium, tax-deferred fixed annuity that offers a one-year interest rate guarantee on your initial purchase premium. Until you're ready to retire your alarm clock, you can trust AIG Retirement to help you prepare for the more enjoyable days ahead.

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Features and Benefits Back To Top

Feel safe and secure. If you’ve worked hard to accumulate a "nest-egg" for your retirement, now’s not the time to put your money in a risky investment. Fixed annuities are considered to be safe because they’re backed by the financial strength of the issuing insurance company. The Variable Annuity Life Insurance Company is required by law to set aside a portion of its assets or reserves to cover claims.

Postpone taxes on interest earnings. Tax deferred means postponing your taxes on interest earnings until a future point in time. In the meantime, you earn interest on the money you're not paying in taxes. This means you can accumulate more money over a shorter period of time, which ultimately can provide you with a greater income. Taxes are due upon withdrawal and if prior to age 59½ a 10% tax penalty may apply.

Withdraw earnings tax free. After 30 days from the Contract Date you can make penalty-free withdrawals of your accumulated interest earnings. After the first contract year, you may withdraw accumulated interest or up to 10% of the annuity value without charges. Until withdrawals are taken your premiums will continue to grow tax deferred until retirement.

A guarantee you can count on. You’ll not only receive a minimum guaranteed interest rate for the life of your contract, but also a guaranteed current rate payable on your initial purchase premium for one year, which may include an interest rate enhancement (initial purchase premiums of $100,000 or more may receive an additional interest rate enhancement).

Guidelines Back To Top

Withdrawals in excess of permitted amounts are subject to a declining withdrawal charge. Each purchase premium is subject to a five-year withdrawal charge schedule of 9%, 8%, 7%, 6%, 5% from the date of receipt. Taxes are due upon withdrawal. Withdrawals taken prior to age 59½ may be subject to a 10% federal tax penalty.

Interest rates and enhancements subject to change at any time. After the initial interest rate guarantee period expires, a new rate will be declared periodically. All rates are effective annual interest rates. To achieve this rate annually funds must remain in the annuity (without any withdrawals) each year. Contract provisions may vary from state to state. Refer to the contract for actual governing contractual provisions.

Policy form Flex5-805X, ECR-805E, VR385-05

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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.