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Index annuities may not be suitable or appropriate for all individuals. Index annuities offer the potential for index interest to be credited to the annuity but index interest is not guaranteed. It is possible that there will be periods where no interest is credited based on the performance of the underlying index. Index rate caps, spreads and participation rates on the index interest crediting accounts can also limit or reduce the amount of interest credited. Index annuities may not be appropriate for all individuals. All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of the issuing (rewrap)nsurance company. They are not backed by the broker/dealer from which this annuity is purchased. 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 issued by American General Life Insurance Company (AGL), Houston, TX, or, in New York, by The United States Life Insurance Company in the City of New York (US Life). AGL and US Life 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. AIG Life & Retirement consists of four operating segments: Individual Retirement, Group Retirement, Life Insurance and Institutional Markets. It includes the following major U.S. life insurance companies: American General Life Insurance Company; The Variable Annuity Life Insurance Company; and The United States Life Insurance Company in the City of New York. All companies are members of American International Group, Inc. (AIG). © 2021 American International Group, Inc. All rights reserved. FOR FINANCIAL PROFESSIONAL OR AGENT USE ONLY – NOT FOR USE WITH THE PUBLIC I5425CES.23 (1/23)
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Index annuities may not be suitable or appropriate for all individuals. Index annuities offer the potential for index interest to be credited to the annuity but index interest is not guaranteed. It is possible that there will be periods where no interest is credited based on the performance of the underlying index. Index rate caps, spreads and participation rates on the index interest crediting accounts can also limit or reduce the amount of interest credited. Annuities are designed for long-term retirement investing. An investment in a Polaris 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. Products and features may vary by state and may not be available in all states. We reserve the right to modify or no longer offer the features described here. However, once the contract is issued, these features will not change, except as described here and in the prospectus. All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of the issuing (rewrap)nsurance company. They are not backed by the broker/dealer from which this annuity is purchased. 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 investing. An investment in a Polaris 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. Products and features may vary by state and may not be available in all states. We reserve the right to modify or no longer offer the features described here. However, once the contract is issued, these features will not change, except as described here and in the prospectus. 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. © 2020 American International Group, Inc. All rights reserved. FOR FINANCIAL PROFESSIONAL OR AGENT USE ONLY – NOT FOR USE WITH THE PUBLIC
Lifetime Income Choice
Welcome to your access point to the accumulation and income solutions to help clients build a bright retirement future.
Innovative solutions & smart ideas from AIG
A new living benefit to meet diverse income needs
®
A new 5-year index annuity with flexibility and guaranteed growth
Introducing Power Index 5 NY
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Enhance your clients' interest earnings potential
Enhance your clients interest earning potential
Enhanced Participation Rate (EPR) Accounts
Check out the new Enhanced Participation Rate accounts – now also available in Power 10 Protector® and Power 10 Protector Plus Income®
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Cumulative income advantage
More income for the "Go-Go" years
Case study
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Max Income Option case study
Level Income Option case study
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Client approved video
Income now and later with Lifetime Income Choice Max Income Option
Your resources to help build your brand and business
• Option 1 – for new business and pending contracts
AIG Connext for new business and post-issue forms, and to access Forms Depot www.aig.com/connext
888-438-6933
Annuity Care Center
• Option 3 – for licensing and commissions
• Option 2 – for sales, marketing materials, illustrations, and product questions
Fax:
(855) 612-9886
Mail: American General P.O. Box 2708 Amarillo, TX 79105-2708
Overnight Mail: American General 1050 N. Western St. Amarillo, TX 79106
Email: IMOBGAlicensing@aig.com
Inquiries: IMOBGA_PendReport@aig.com
Fixed Annuities and Index Annuities
Agents in all states will access Quest CE for fixed annuity and index annuity product training presentations:
Go to trainings
NAIC Training
New agent appointment
American Pathway Series of fixed annuities
The Power Series of Index Annuities®
Easy to use guides on conducting business with these products:
How to do business
Connect with AIG
Power Series of Index Annuities® NY
one click quick start guide
Assured Edge Income Achiever
Assured Edge Income Builder – NY
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AIG suitability guidelines
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Non-natural owner guide
aig.com/connext
aig.com/annuities
AIG websites
For new business and post-issue forms, and access to Forms Depot.
For client-portal access and additional product details.
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Contract structuring and flex coverage
Tax smart strategies that may help your clients with their long term financial objectives
Tax Savvy
Insights and tips to help you guide your clients to make informed decisions about retirement.
Income Savvy
Tools and information to help you build your business and your clients pursue their retirement lifestyle.
Education for you and your clients
Tax smart strategies for retirement
Avoid the social security trap
Factor taxes into your savings strategy
Tax facts at a glance
Social security savvy client brochure
Social security savvy client presentation
Insights on the workings and tips on ways to increase a major source of retirement income for clients.
Social Security Savvy
Emotions and your money brochure
Client approved brochure that explores 5 potentially costly mistakes clients can avoid.
Emotions and Your Money
Client approved ideas & websites
Income Savvy flipbook
Sequence of returns client brochure
Help manage inflation in retirement
Benefit estimator website
Index client video
Cut the small talk
Helping to educate Americans about the importance of protected lifetime income for a more secure future.
Alliance for Lifetime Income
Website
Digital 360° support tools and resources to help you strengthen client connections and build a more digitally savvy practice.
Client Connections from AIG
Designed to provide financial professionals insight into how an FIA may fit in an asset allocation portfolio and the important role that FIAs can play in providing guaranteed income for life to clients.
Fixed Index Annuities Toolkit
Fixed Index Annuity - Enhancing Portfolio Outcomes
AB White Paper*
Range of outcomes calculator
Index Diversification hypo client case study
Solving the fixed income quandary client whitepaper
Level Income Option hypo client case study
The new 60/40 decision tree sales idea
Max Income Option hypo client case study
Range of outcomes "How to" video
A Powerful Fixed Income Alternative for Today’s Market
Income Planning Worksheet
Key Tax Data Reference Guide
A look at the impact of inflation
Help clients overcome ultra-low interest rates
Enhancing retirement satisfaction
AIG member companies are recognized and respected market leaders. Our diverse lineup of products and services helps businesses and individuals protect their assets, manage risks, and prepare for retirement.
Financial Strength of AIG online presentation
Power of AIG
Financial Strength of AIG PDF brochure
AIG Annuities Executive Summary
Power 5 Protector
Power 7 Protector series
Power 10 Protector series
Power Index 5 NY US Life
See the current rates available for client’s growth potential opportunities:
Index annuity rate flyers
Rate Lock policy
Power Index Premier® NY US Life
See the current guaranteed rates available for clients to grow assets:
American Pathway 5 & 7
American Pathway 5 & 7 (USL)
American Pathway VisionMYG
American Pathway SolutionsMYG (USL)
Fixed/Income annuity rate flyers
American Pathway Rate Lock policy
Assured Edge Income Builder - NY
Assured Edge Rate Lock policy
Smart ideas for positioning index annuities to agents
Growth potential and down market protection of a fixed indexed annuity
Sales ideas–Index annuity
Powering the Future– Index Renewals
Adding a fixed index annuity may enhance returns
Smart ideas for positioning fixed annuities to agents
Top 10 reasons to sell fixed annuities
Protection of principal with fixed annuities
Reframing the Annuity Puzzle
What’s the difference between a fixed annuity and a CD?
Sales ideas–Fixed/Income annuity
Assured Edge Income Achiever - Income Bridge
Assured Edge Income Achiever - Medicare
Assured Edge Income Builder NY - Younger Spouse
Assured Edge Income Builder NY - Withdrawal Strategy
Assured Edge Income Builder NY - Income Bridge
Assured Edge Income Achiever - Early Retirement
Assured Edge Income Achiever - Younger Spouse
Assured Edge Income Achiever - Withdrawal Strategy
Powerful accumulation and income solutions to help clients create a bright retirement future.
Focuses on accumulation with a 5 year CDSC
Accumulation and income solutions for retirement
Power 7 Protector Series
Power 10 Protector Series
Products–Index annuities
Features at a glance
Rate flyer
Living Benefit rider
The only index annuity in NY state with a GLB
Power Index Premier® NY (USL)
Lifetime Income Builder
Main brochure
Microsite
Consumer brochure
Multi-asset, Risk-managed Indices
AQR DynamiQ Allocation Index
PIMCO Global Optima Index
ML Strategic Balanced Index
Power Series of Index Annuities NY
Power Protector series
Learn about the feature and Benefits
Product Guides
Growing your income placemat
Index diversification
Hypothetical Case Studies
Client approved calculator
Client educational video
Client educational video (abridged version)
Max Income Option
Level Income Option
Main Brochure
A NEW 5-year solution with flexibility and guaranteed growth
Power Index 5 NY (USL)
Client flyer
OA Supplement
Updated OA
Products–Fixed/Income annuity
These single-premium, tax-deferred fixed annuities provide the safety of principal, a guaranteed interest rate and can provide an income stream for life.
American Pathway® Fixed 5 and Fixed 7 annuities
Product overview
USL Rate Flyer
USL Consumer Brochure
USL Product Overview
Available only in New York, this single premium fixed annuity offers multi-year guarantee options with seven-year withdrawal charge schedule for guaranteed interest earnings and protection from market participation.
American Pathway® SolutionsMYG annuity
Product Overview
Rate Flyer
A single premium fixed annuity designed for flexibility with multi-year guarantee options and the power of tax-deferred growth.
American Pathway® VisionMYG annuity
Consumer Brochure
The American Pathway Immediate Annuity offers an immediate source of income that is protected from market volatility with flexible options.
American Pathway® Immediate annuity
DIA Rate Flyer
The American Pathway Deferred Income Annuity offers payment adjustment options and other features and can guarantee income for retirement—be it one year from now or decades down the road.
American Pathway® Deferred Income annuity
Product Guide
Product guide
Products–Fixed/Income annuities
A tax-deferred fixed annuity that features a flexible guaranteed lifetime withdrawal benefit rider (GLWB)
Assured Edge
Placemat
How to do Business Guide
Assured Edge Calculator
