Print To PDF    Email   Text Size

Is Your Income Plan Designed to Help You Navigate Today's Key Retirement Income Challenges?

Introducing What's Your Plan? - a new retirement planning program from SunAmerica that can help you secure your retirement income for life.

One of the most important keys to generating income that can last throughout retirement is to create a strategy designed to deliver a stable income stream, regardless of whether the market is up or down. A carefully constructed plan can help you grow your retirement income and protect it from critical income challenges, including rising healthcare costs, increasing Social Security concerns and longer life expectancies.

3 Simple Steps to Creating a Personal Income Plan That Can Protect Your Income
for Life


1.   IDENTIFY your needs

Calculate how much income you’ll need to retire and determine if you have an income shortfall—“Retirement Income Gap.” Get started by downloading the
Gap Finder, an easy-to-use retirement income worksheet that can help you inventory assets, estimate expenses and evaluate the size of a potential shortfall.


Gap Finder
Retirement Income Worksheet


2.   EVALUATE your options

Assess the investment options and withdrawal strategies that are available to help you generate more income and close a potential Retirement Income Gap.

3.   GUARANTEE your income

Protect your retirement income for as long as you live by repositioning more of your assets into investments with guaranteed features, such as a variable annuity with an optional lifetime income benefit.

What's Your Plan?
Client Brochure


Now is the time to add certainty to your income plan.

Click here to download a brochure that offers more detail about building a Personal Income Plan.  Contact your financial advisor to discuss creating a plan that can guarantee your income for life.


Please note that variable annuities are long-term investments designed for retirement purposes.
In the Accumulation phase, they can help you build assets on a tax-deferred basis. In the Income phase, they can provide you with guaranteed income through standard or optional features. Guarantees are backed by the claims-paying ability of the issuing insurer. Variable annuities are subject to insurance related charges, including mortality and expense risk charges and administrative fees, as well as the total operating expenses of the underlying funds. Optional income guarantees are subject to additional fees, investment restrictions and other limitations. An investment in a variable annuity involves risk, including the possible loss of principal. Your contract value when redeemed may be worth more or less than your original investment.

M5004WB2 (11/10)

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 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. 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.

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.

This material was prepared to support the marketing of the SunAmerica Variable Annuities. Please keep in mind that American General Life Insurance Company (American General Life), SunAmerica, and their distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Please seek the advice of an independent tax advisor or attorney for more complete information concerning your particular circumstances and any tax statements made in this material.

Variable annuities are issued by American General Life Insurance Company (American General Life), except in New York, where they are issued by The United States Life Insurance Company in the City of New York (US Life). Products are marketed by SunAmerica, The Retirement Specialist. All products may not be available in all states. The purchase of a variable annuity is not required for, and is not a term of, the provision of any banking service or activity.

Distributed by AIG Capital Services, Inc., 21650 Oxnard St., Suite 750, Woodland Hills, CA 91367-4997,






May Lose Value No Bank or Credit Union Guarantee

Not a Deposit Not Insured by any Federal Government Agency