New opportunities for growth and increasing retirement income

The X5 suite of fixed index annuities

Address your critical retirement concerns

Today’s shifting retirement landscape can present challenges as you plan for the future, such as longer life expectancies, rising costs and market volatility. The X5 suite of fixed index annuities including X5 Advantage Annuity® and X5 Accelerator AnnuitySM offers benefits designed to help address your most critical retirement concerns.

Growth potential up to and
throughout retirement

Principal protection from
market downturns

Guaranteed lifetime income with
ongoing opportunities for increases

Explore all the benefits available in the X5 FIA suite

Understanding the X5 Advantage Annuity

The X5 Advantage Fixed Index Annuity is a long-term insurance product issued by American General Life Insurance Company (AGL). It is not a direct investment in the stock market or any particular index. It is not possible to invest directly in an index. X5 Advantage works in two stages:
  • Accumulation: In exchange for your money (premium), the annuity provides you with the opportunity to earn interest based in
    part on the positive performance of one or more indices
  • Income: After at least 10 years, when you need income, the issuing company promises to provide guaranteed lifetime income that
    may increase
The interest credited in the annuity will never be less than zero. If you choose to surrender your contract before the 10th Contract Anniversary, surrender charges and other charges may apply. These guarantees are backed by the claims paying ability of AGL. Other restrictions and limitations may apply.

What is a fixed index annuity?

A fixed index annuity (FIA) is a contract between you and an insurance company. An FIA offers several benefits including tax advantages and the opportunity to earn interest based on the changes of one or more underlying indices. And because an FIA does not directly participate in any stock or equity investment, the money in your FIA (your initial principal plus any credited earnings) is protected from market risk.2

1 X5 Accelerator includes a 1% annual rider fee based on the Daily Benefit Base. The Income Bonus rate is current as of 2/22/22 and subject to change prior to contract issue.

2 Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for strategy charges and rider charges could exceed interest credited to the accumulation value, which would result in an overall reduction of premium.

This material was prepared to support the marketing of the X5 suite of fixed index annuities. This information is general in nature, may be subject to change and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. For advice concerning your situation, consult your attorney, financial professional, tax advisor, or accountant.

Tax-qualified plans such as IRAs, 401(k)s or 403(b) plans are tax deferred regardless of whether or not they are funded with an annuity. If you use the X5 FIA suite to fund a tax-qualified plan, you should know that an annuity does not provide any additional tax-deferred treatment of interest beyond the treatment by the tax-qualified plan itself. You should only use an index annuity in a tax-qualified plan if you want to benefit from features other than tax deferral. If you intend to take Required Minimum Distributions (RMDs), please consult with a tax advisor concerning your particular circumstances. The X5 FIA suite may not be appropriate if you plan to make ongoing contributions.

Indices are not a permanent part of the contract and may be removed due to circumstances beyond the control of American General Life Insurance Company. Such circumstances include, but are not limited to, the discontinuation of an index, a change in the composition or calculation of an index, the inability to license the use of an index and the inability to hedge risks associated with the index. Special rules govern how assets in an index account with a discontinued index may be reallocated. These rules may differ by state. Please see the Owner Acknowledgment and Disclosure Statement for more information.

Genesis Development Group, Inc. has patents and patents pending that may cover elements of the products discussed in this document. This document does not convey any license or other rights in these patents.

Annuities are issued by American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas 77019. X5 Advantage and Single Premium Deferred Fixed Index Annuity, Contract Number AG-808 (07/19). X5 Accelerator Single Premium Deferred Fixed Index Annuity, Contract Number AG-808 (07/19). AGL is a member company of American International Group, Inc. (AIG). The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by AGL are its responsibility. Guarantees are backed by the claims-paying ability of AGL. AGL does not solicit, issue or deliver policies or contracts in the state of New York. Annuities and riders may vary by state and are not available in all states. This material is not intended for use in the state of Idaho or New York.

Annexus is an independent product distribution firm that works with Independent Distribution Companies to distribute retirement products. Annexus is not affiliated with AIG or AGL.

I6317WEB (02/22)

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