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Rethinking the "40" in the 60/40

Find out how index annuities are changing the art and science of portfolio construction in today's ultra-low rate environment.

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Index annuities

Offer clients a powerful combination of growth potential, principal protection and guaranteed lifetime income. By blending market upside with downside protection, index annuities can provide the income clients need to stay on track with their retirement goals.

Tap into more growth potential

A recent study by AllianceBernstein showed that adding a fixed index annuity to a traditional 60/40  portfolio improved retirement accumulation outcomes by a significant margin. 

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Grow and guarantee income to the max

To help clients generate more income in retirement, a Power Series Index Annuity with Lifetime Income Max offers 6.50% income credits every year that lifetime withdrawals are not taken. 

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Double and match the interest earned for more income potential

With Lifetime Income Plus Multiplier Flex, clients can earn annual income credits that are equal to 200% or 100% of interest earned, depending on when lifetime withdrawals begin. 

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Build your business with the latest information

Understanding fixed index annuities

Share insights with your clients about the benefits of fixed index annuities and why they might be a good fit.

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The risk tolerance pyramid

Discuss with clients the reasons to reinforce their retirement strategies with index annuities.

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Share new perspectives

Find out how adding an index annuity may enhance your clients’ portfolio outcomes in today’s ultra-low rate environment.

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Discover more annuity options for your clients

Variable Annuities

Combine growth potential of the market, beneficiary protection and optional income protection features to help clients address everyday retirement challenges.

US Life & Retirement

Fixed Annuities

Customize a retirement income solution for your clients with guaranteed interest earnings, principal protection and no market participation, with options to guarantee income for life.

US Life & Retirement

Let’s work together

Learn more about tools and programs designed specifically to help financial professionals. Together we can help clients achieve the financial and retirement security they deserve.

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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.

Life insurance and 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.  Issuing companies AGL, US Life and VALIC are responsible for financial obligations of insurance products. AGL does not solicit, issue or deliver policies or contracts in the state of New York. VALIC, AGL and USL, its employees, representatives do not provide tax or legal advice. Products and services may not be available in all states and product features may vary by state.

Securities products are distributed by AIG Capital Services, Inc. (ACS). Member FINRA, 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997.

AIG Retirement Services represents The Variable Annuity Life Insurance Company (VALIC), Houston, TX and its subsidiaries, VALIC Financial Advisors, Inc. (VFA) and VALIC Retirement Services Company (VRSCO). Securities and investment advisory services offered through VALIC Financial Advisors, Inc. (VFA), member FINRA, SIPC and an SEC-registered investment adviser,  2919 Allen Pkwy,  Houston, TX 77019-2158.

All companies are members of American International Group, Inc. (AIG).

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. Please consult with your financial professional regarding your situation. For legal, accounting or tax advice consult the appropriate professional.