X5 Advantage Annuity®
Prepare for retirement today
Income growth opportunities
Increasing lifetime income
Legacy & care
X5 Advantage Annuity®
The power of increasing income before retirement
250% of credited interest1
Potential for increases during retirement
100% of Rider Return
Legacy & care
Offer loved ones their choice of benefit
Hypothetical Assumptions: Hypothetical Assumptions: $100,000 premium, single life, issue age 60, 10-Year X5 PIMCO Crediting Strategy for the first 10 years, 1-Year Point-to-Point Crediting Strategy for remaining years. Daily Benefit Base grows at 250% of the credited interest rate with no withdrawals until lifetime income activation and 100% of the credited interest rate thereafter. 4.85% Maximum Annual Withdrawal Percentage at age 70. Assumes no withdrawals before activation, which will cause the values shown to be lower. Lifetime Income activation is only available on or after the 10th Contract Anniversary. Credited interest is hypothetical; actual results will differ. Crediting Strategies and their underlying indices are not guaranteed to produce positive results; you may experience years with no credited interest. This is a hypothetical example designed to show how the death benefit could work. It is not an actual result and is created with the benefit of hindsight. Results will vary. For Key Terms and Definitions, please see pages 18-19 of the X5 Advantage consumer brochure.
Double income during confinement
2 Your Income Base is not your Contract Value and cannot be withdrawn partially or as a lump sum. If you take withdrawals before activating lifetime income (“before retirement”), your Income Base will be reduced by the same proportion as your withdrawal reduces your Contract Value, which will reduce your future income.
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 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.