Universal Life Insurance

Variable Universal Life Insurance (VUL)

Provides coverage for the life of the insured and can build cash value, tax deferred, while offering flexibility in premium payments. VUL policies allow insureds to choose how their premiums are invested in portfolios of securities in an account separate for the general assets of the insurance company. The cost of insurance protection and, in some cases, other costs are deducted from the cash or policy account value.

Your source for variable universal life insurance protection that can help you:

• Protect the financial well-being of loved ones or accumulate wealth to fund retirement

• Preserve your wealth to help protect your family's standard of living against taxes and inflation

• Transfer your wealth, estate or business to the next generation

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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.