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Our Highly Rated Insurance Companies

Our annuities are issued by two highly rated insurers:

l    American General Life Insurance Company has been keeping promises to customers since
     1926, and issues a broad range of products. From protection and asset accumulation to income
     solutions and wealth transfer, American General Life’s products include a full line of life insurance,
     accident & health insurance, group benefits, and annuities.

l    The United States Life Insurance Company in the City of New York , with a history of serving
     customers dating back 160 years, issues annuities in New York, as well as life insurance.

These two life companies are highly rated by ratings agencies for financial strength and claims-paying ability. Financial strength is important—you want the company that stands behind the insurance guarantees in your annuity to be there when you need it—when you’re ready to take income or when your heirs need the funds that are due to them.

The current ratings for American General Life Insurance Company and The United States Life Insurance Company in the City of New York are:

As of January 27, 2016 




Standard & Poor’s

A+ (Strong)

“An insurer rated ‘A’ has strong financial security characteristics, but is somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.”

Moody’s Investors Service

A2 (Good)

“Insurance companies rated A offer good financial security. However, elements may be present which suggest a susceptibility to impairment sometime in the future."

A.M. Best Company

A (Excellent)

“Assigned to companies that have, in our opinion, an excellent ability to meet their ongoing insurance obligations.”

Fitch Ratings

A+ (Strong)

”Denotes a low expectation of ceased or interrupted payments. Indicates strong capacity to meet policyholder and contract obligations. This capacity may, nonetheless, be more vulnerable to changes in circumstances or in economic conditions than is the case for higher ratings.”

Ratings outlooks: S&P, Stable; Moody’s, Stable; AM Best, Under Review; Fitch, Stable 

Ratings can be objective indicators of a company’s financial strength and can provide a relative measure to help investors select the best insurer for their needs. Ratings are subject to change at any time and are not a guarantee of the future financial strength and/or claims-paying ability of the company.

Note on variable annuities: Ratings do not reflect and are not indicative of the variable portfolios’ performance. Only the variable annuity’s fixed account rates, protection features, and income payments are backed by the claims-paying ability of the issuer

More Information About the Ratings

Standard & Poor’s 21 ratings are a measure of claims-paying ability and range from AAA (Exceptionally Strong) to R (Regulatory Action). Moody’s Investors Service 21 ratings are a measure of financial security and range from Aaa (Exceptional) to C (Extremely Poor). Fitch’s 19 ratings are a measure of insurer financial strength and range from AAA (Exceptionally Strong) to C (Distressed). A.M. Best’s 15 ratings are a measure of claims-paying ability and range from A++ (Superior) to F (In Liquidation).

M4584AU (01/16)


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Annuities are long-term products designed for retirement. Early withdrawals may be subject to withdrawal charges. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, 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. Retirement plans and accounts 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.

Variable annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. A prospectus may be obtained from your financial advisor or by calling 1-800-445-7862. Please read the prospectus carefully before investing.

Annuities are issued by American General Life Insurance Company (AGL) or, in New York, by The United States Life Insurance Company in the City of New York (US Life), except the Polaris Platinum Elite and Polaris Choice Elite variable annuities, which are issued by The Variable Annuity Life Insurance Company (VALIC) in all states.


All products and features may not be available in all states. The purchase of an annuity is not required for, and is not a term of, the provision of any banking service or activity. The Company, its distributors and representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant.


Variable annuities are distributed by AIG Capital Services, Inc. (ACS), Member FINRA, 21650 Oxnard St., Suite 750, Woodland Hills, CA 91367-4997, 1-800-445-7862.


AGL, US Life, VALIC and ACS are members of American International Group, Inc. (AIG). All contract and optional benefit guarantees are backed by the claims-paying ability of the issuing insurance company and are not the obligation or responsibility of AIG.






May Lose Value No Bank or Credit Union Guarantee

Not a Deposit Not Insured by any Federal Government Agency