Securities offered through The Leaders Group, Inc., Member FINRA/SIPC www.finra.org
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The issuer and/or distributor of the products being presented may be a sponsor of this seminar, and as such would have contributed a fee or services to help defer seminar costs. During the course of this seminar, your financial advisor may recommend these products. Neither the issuer nor its distributor or representatives may provide individual investment recommendations or advice. The Broker Dealer that employs your financial advisor may or may not be affiliated with the issuer and distributor. Please see your financial advisor for details.
Annuities are designed for long-term retirement investing. 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 5 9., an additional 10% federal tax may apply. An investment in a variable annuity involves investment risk, including possible loss of principal. The contract, when redeemed, may be worth more or less than the total amount invested. Optional protection features are available for an additional fee. Investment requirements, withdrawal parameters and other restrictions and limitations apply.
Tax-qualified plans, such as an IRA, 401(k), etc., are tax-deferred (and subject to required minimum distributions) regardless of whether or not they are funded with an annuity. However, annuities do provide other features and benefits, including but not limited to a guaranteed death benefit and income options, for which a mortality and expense ri sk fee is charged. You should discuss your decision to use a variable annuity within a tax-qualified plan with your financial advisor.
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 this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representation or guarantees regarding the claims-paying ability of the issuing insurance company.
Polaris Variable Annuities are issued by American General Life Insurance Company (AGL) except in New York, where they are issued by The United States Life Insurance Company in the City of New York (US Life). Distributed by AIG Capital Services, Inc. (ACS), Member FINRA, 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997, 1-800-445-7862. AGL, US Life and ACS are members of American International Group, Inc. (AIG).