IN RIAL LABS - Fee-Based Insurance & Annuities_Reverse
September 21, 2023 | 11:00am - 12:50pm ET | Virtual


Commitment to the RIA Market
AIG Life & Retirement understands your fee-based advisory needs and we're here to support you. We recognize today's unique market challenges and the risks your clients face as they prepare for and enter retirement. Our suite of retirement products delivers unique risk management solutions that cannot be efficiently achieved through traditional portfolio construction techniques. We are sharply focused on helping you help your clients achieve better outcomes for retirement — including protected asset accumulation, guaranteed lifetime income and efficient risk management. After all, helping clients achieve better outcomes is what matters most.

Technology Integrations
AIG Life & Retirement is also committed to making technology integration easy—so you can spend more time serving existing clients and gaining new ones. We recognize that seamless technology is crucial to your practice. That's why we're making strategic alliances with industry-leading technology platforms and providers to support the needs of your business. Every day, we focus on delivering best-in-class solutions, tools and resources that allow you to seamlessly incorporate annuities into your advisory platform.

Investment Approach
AIG Life & Retirement is one of the largest annuity providers in the marketplace, helping millions of Americans take action toward achieving their future goals. We have a long and successful track record of innovation in the annuity industry. And our proven expertise in product design is rooted in effective and prudent risk management principles. Our suite of solutions is designed to help manage market risk, reduce interest rate risk and effectively hedge against longevity risk.

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*Ratings last updated March 29, 2022. Ratings are subject to change at any time. Ratings outlooks: S&P, Stable; Moody's, Stable; A.M. Best, Stable; Fitch, Stable. Note: Standard & Poor's 21 ratings are a measure ofclaims-paying ability and range from AAA (Exceptionally Strong) to R (Regulatory Action). Moody's Investors Service's 21 ratings are a measure Of financial security and range from Aaa (Exceptional) to C (Extremely Poor). A.M. Best's 15 ratings are a measure Of claims-paying ability and range from A++ (Superior) to F (In Liquidation). Fitch's 19 ratings are a measure of insurer financial strength and range from AAA (Exceptionally Strong) to C (Distressed). While ratings can be objective indicators of an insurance company's financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees Of the future financial strength and/or claims-paying ability Of a company and do not apply to any underlying variable portfolios, where applicable.

This material is general in nature, was developed for educational use Only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Clients should consult with their financial professional regarding their situation. For legal, accounting or tax advice, clients should consult the appropriate professional.
Annuities are long-term products designed for retirement. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract, as well as the amount available upon a full surrender.
Withdrawals Of taxable amounts are subject to ordinary income tax and, if taken prior to age 59%, an additional 10% federal tax may apply. An investment in a variable annuity involves investment risk, including possible loss ofprincipal.
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 insurance company. They are not backed by the broker/dealer from which the annuity is purchased.
Annuities issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by The United States Life Insurance Company in the City Of New York (US Life). Certain annuities are issued by The
Variable Annuity Life Insurance Company (VALIC), Houston, TX. Variable annuities are distributed by AIG Capital Services, Inc., member FINRA. Guarantees are based on the claims-paying ability of the issuing insurance company and each company is responsible for the financial obligations of its products. Products and services may not be available in all states and product features may vary by state. AGL does not solicit, issue or deliver policies or contracts in the state of New York.
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).
@ 2022 American International Group, Inc. (AIG).
Not FDIC or NCUA/NCUSIF Insured. May lose value. No bank or credit union guarantee. Not a deposit. Not insured by any federal government agency.
D6440CP (10/22)

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