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Why choose VALIC?

More than half a century of helping Americans plan for and enjoy a secure retirement 

VALIC financial strength ratings

The Variable Annuity Life Insurance Company has received strong financial strength ratings from independent ratings agencies, reflecting its financial stability and its ability to meet its obligations to its policy holders and others.

AgencyRatingDefinitionAs of 4/13/2015
Standard & Poor'sA+ (Strong)2Companies rated A have strong financial security characteristics, but are somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.
Moody'sA2 (Good)2Companies rated A offer good financial security. However, elements may be present that suggest a susceptibility to impairment sometime in the future.
A.M. BestA (Excellent)1Companies rated A have an excellent ability to meet their ongoing financial obligations to policyholders.
FitchA+ (Strong)2Companies rated A have low expectations of default risk. The capacity for payment of financial commitments is considered strong. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.

1 Outlook positive
2 Outlook stable

Ratings are current as of 04/13/2015 and subject to change at any time. Standard & Poor’s 21 ratings are a measure of claims-paying ability and range from AAA (Extremely 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 for claims-paying ability and range from A++ (Superior) to F (in Liquidation). Fitch Ratings’ 21 ratings are a measure of insurer financial strength and range from AAA (Exceptionally Strong) to C (Distressed). Only the fixed account protection features, income payments, and guarantees are backed by the claims-paying ability of the issuing insurance company.

Managing your account

No two people want to manage their finances exactly the same way, so we offer flexible choices. You may want to:

  • Handle your retirement account yourself 

  • Get a little assistance 

  • Hand everything over to a trusted professional

Working with your VALIC financial advisor

Our financial advisors combine experience and knowledge with advanced financial modeling tools to help you plan a secure retirement. Here’s what to expect when you meet:

  1. Discover.  Review your financial situation and objectives to develop a picture of your financial status, then list your goals.

  2. Learn. Discuss planning concepts (diversification, asset allocation, investment strategies, tax planning and estate preservation).

  3. Plan. Develop a personal plan — a blueprint to help you reach your goals.

  4. Implement. Develop financial strategies to meet current needs and future goals.

  5. Review. A periodic review of your priorities, goals and investments to keep your plan on track.

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