Why Choose

Discover why leading plan sponsors choose

Choose Mutual of America as your retirement plan provider and you’ll join a select group of businesses, not-for-profits and government agencies. These organizations rely on us for a higher level of service, attention and expertise. You’ll have access to solutions designed to enhance plan operation, participation and compliance. Across every facet of your plan, you’ll be able to deliver retirement benefits that are easy to administer and easy to use, and that give your employees a high degree of choice and flexibility.

Plan design and optimization

Elements of a strong retirement plan

Our qualifications

Experience

Specialists offer guidance on plan features, best practices and increasing plan participation.

Of course, before making a transfer, you should review the accounts you have with other providers to determine the fees and expenses you currently pay and whether there are any surrender charges that may result and to ensure that it is in your best interest to transfer your other accounts to your current plan.

Since 1945, American families have relied on us to help them prepare for retirement. In addition, our plan sponsor retention rate is above 98% annually.

Plan development

Our team is experienced in designing scalable, cost-effective retirement plans for any size organization.

For more information about Mutual of America’s retirement plan services:

Call Now

One of our licensed rollover representatives will answer any questions and will help you consolidate your accounts. Maximize the value of your employer-sponsored retirement plan and take advantage of everything we can offer you every step of the way on your journey to retirement.

Mutual of America is a leading provider of retirement products, offering personalized service at a competitive price to help plan participants and individuals build and preserve assets for a financially secure future. Integrity, prudence and reliability are the values that have guided us since our inception and that continue to serve us well. For more information, visit mutualofamerica.com, and connect with us via Facebook, Twitter and LinkedIn.

About Mutual of America

866.954.4321

Plan administration

Online systems help you make timely contribution remittances, generate customized reporting and collect year-end data.

Financial education

Delivered through in-person seminars and online financial education.

Withdrawal options

Participants can choose from a number of distribution options, including lump-sum payments, periodic withdrawals or guaranteed income.*

Generally, withdrawals are subject to income tax at your ordinary income tax rate at the time of withdrawal, and if made prior to age 59½, a 10% federal tax penalty. Consult your tax adviser regarding your specific situation. The performance of the Separate Account investment options is not guaranteed, and any assets allocated to them may decrease or increase in value. For more specific information about our Separate Account investment options, including industry allocations and fund performance, please visit mutualofamerica.com. The target date set forth in each Retirement Fund’s name is the approximate date that the fund expects investors to retire and begin withdrawing their account balance. The value of a Retirement Fund is not guaranteed at any time, including at and after the target date. There is no guarantee that a Retirement Fund will correctly predict market or economic conditions, and as with other mutual fund investments, investors may lose money. In addition to a retirement date, individuals should consider their risk tolerance, time horizon, personal circumstances and complete financial situation before investing. We guarantee that we will credit interest for the life of the contract to amounts in the Interest Accumulation Account of our General Account at a rate at least equal to the greater of (1) any contractual minimum guarantee provided by the contract or (2) the minimum rate required by applicable state law or, if no state law minimum rate is applicable to a contract, the minimum guaranteed credited interest rate will be set pursuant to National Association of Insurance Commissioners (NAIC) standard nonforfeiture law. The NAIC minimum rate is determined in accordance with a formula, and cannot be less than 1.00% or more than 3.00% in any event. We determine whether the application of the formula will change the minimum guaranteed rate each November, and any change is effective the following January 1 for that calendar year. In addition, Mutual of America may credit interest to your contract amounts in the Interest Accumulation Account at a higher rate that we declare from time to time and which may increase or decrease at our sole discretion, although we are not obligated to credit interest in excess of the minimum guaranteed rate. If you participate in an existing Tax Deferred Annuity contract, you should refer to it before making a decision because it may have a guaranteed minimum rate in excess of the formula described above and the advertised declared rate. We compound interest daily on your contract amounts in the General Account to produce an effective annual yield that is equal to the stated interest rate.

Disclosures

1. 2. 3. 4.

3. 4.

Download the Brochure

Mutual of America Life Insurance Company 320 Park Avenue, New York, NY 10022-6839 mutualofamerica.com • 800.468.3785 •

Securities offered by Mutual of America Securities LLC, Member FINRA/SIPC. Insurance products are issued by Mutual of America Life Insurance Company. Mutual of America® is a registered service mark of Mutual of America Life Insurance Company. © 2020 Mutual of America Life Insurance Company.

Take advantage of our experience.

Since 1945, Mutual of America has been a leading provider of workplace retirement plans. As a full-service provider, we offer the cost-efficiency of a single source for your plan services, including investment services, administration, compliance support, fiduciary support and employee education. For more information, please visit mutualofamerica.com.

You should consider the investment objectives, risks, and charges and expenses of the variable annuity contract and the underlying investment funds carefully before investing. This and other information is contained in the contract prospectus or brochure and underlying funds prospectuses and summary prospectuses, which can be obtained by calling 1-866-954-4321 or visiting mutualofamerica.com. Read them carefully before investing. Mutual of America’s group and individual retirement products are variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment options you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should consider a variable annuity contract’s other features before making a decision.

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The target date set forth in each Retirement Fund’s name is the approximate date that the fund expects investors to retire and begin withdrawing their account balance. The value of a Retirement Fund is not guaranteed at any time, including at and after the target date. There is no guarantee that a Retirement Fund will correctly predict market or economic conditions, and as with other mutual fund investments, investors may lose money. In addition to a retirement date, individuals should consider their risk tolerance, time horizon, personal circumstances and complete financial situation before investing.

We guarantee that we will credit interest for the life of the contract to amounts in the Interest Accumulation Account of our General Account at a rate at least equal to the greater of (1) any contractual minimum guarantee provided by the contract or (2) the minimum rate required by applicable state law or, if no state law minimum rate is applicable to a contract, the minimum guaranteed credited interest rate will be set pursuant to National Association of Insurance Commissioners (NAIC) standard nonforfeiture law. The NAIC minimum rate is determined in accordance with a formula, and cannot be less than 1.00% or more than 3.00% in any event. We determine whether the application of the formula will change the minimum guaranteed rate each November, and any change is effective the following January 1 for that calendar year. In addition, Mutual of America may credit interest to your contract amounts in the Interest Accumulation Account at a higher rate that we declare from time to time and which may increase or decrease at our sole discretion, although we are not obligated to credit interest in excess of the minimum guaranteed rate. If you participate in an existing Tax Deferred Annuity contract, you should refer to it before making a decision because it may have a guaranteed minimum rate in excess of the formula described above and the advertised declared rate. We compound interest daily on your contract amounts in the General Account to produce an effective annual yield that is equal to the stated interest rate.

The performance of the Separate Account investment options is not guaranteed, and any assets allocated to them may decrease or increase in value. For more specific information about our Separate Account investment options, including industry allocations and fund performance, please visit mutualofamerica.com.

Mutual of America’s group and individual retirement products are variable annuity contracts and are suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment options you choose. Upon redemption, you could receive more or less than the principal amount invested. A variable annuity contract provides no additional tax-deferred treatment of benefits beyond the treatment provided to any qualified retirement plan or IRA by applicable tax law. You should consider a variable annuity contract’s other features before making a decision.

Mutual of America

Investment options

Your participants can choose from a guaranteed interest account* and funds from leading investment companies.

*Guarantees are subject to the Company’s financial strength and claims-paying ability.

Customized services for employer-sponsored retirement plans

401(a)

457(b)

403(b) / Roth 403(b)

401(k) / Roth 401(k)

Defined benefit plans

Expertise

We provide administration for complex benefit arrangements, including multiple plans sponsored by a single employer and multiple-employer plans.

People

Our nearly 1,100 associates represent one of the most talented and accomplished teams in the financial services industry. Their commitment and dedication deliver value for our customers every day, year after year.

Local presence

With more than 45 offices across the country, Mutual of America can tailor services and solutions to the needs of local and regional businesses and their employees.

*Guarantees are subject to the Company’s financial strength and claims-paying ability.

Investment options

Your participants can choose from a guaranteed interest account* and funds from leading investment companies.

*Guarantees are subject to the Company’s financial strength and claims-paying ability.

Expertise

We provide administration for complex benefit arrangements, including multiple plans sponsored by a single employer and multiple-employer plans.

Local presence

With more than 45 offices across the country, Mutual of America can tailor services and solutions to the needs of local and regional businesses and their employees.

People

Discover why leading plan sponsors choose

Mutual of America

SIMPLE

Simplified Employee Pension (SEP)

Deferred compensation

Tax-deferred annuity (TDA)

401(k) / Roth 401(k)

403(b) / Roth 403(b)

401(a)

Discover why leading plan sponsors choose

Customized services for employer-sponsored retirement plans

Tax-deferred annuity (TDA)

Deferred compensation

Simplified Employee Pension (SEP)

SIMPLE

401(a)

403(b) / Roth 403(b)

401(k) / Roth 401(k)

Customized services for employer-sponsored retirement plans

Mutual of America Life Insurance Company 320 Park Avenue, New York, NY 10022-6839 mutualofamerica.com • 800.468.3785