Print To PDF    Email   Text Size

  Determining Your Retirement Age


Your Full Retirement Age (FRA) is the age when you qualify for 100% of your Social Security benefits (known as your Primary Insurance Amount). Your FRA is based on your year of birth as shown below. 

Determining Your Retirement Age

Source for the chart above:, “Understanding The Benefits”, 2013. 

Be Social Security Savvy. Talk to your financial professional today to learn more.  

This material about Social Security and all information shown, including any examples, is provided for educational purposes only and does not constitute tax, legal, or other individualized advice. While the information contained herein has been obtained from sources deemed reliable, American International Group, Inc. (including its subsidiaries, distributors and representatives) cannot be held responsible for any direct or indirect loss resulting from the application of the information provided here. Individuals should consult a qualified tax professional or attorney regarding their specific situation. 




Nav right arrowOverview
Nav left arrowDetermining your Full
Retirement Age
Right ArrowYour Three Main Options:
A Closer Look
Right ArrowWeighing the Trade-Offs
Right ArrowIncreasing your Guaranteed Income Beyond Social Security
Right Arrow
Social Security Retirement
Income Estimator
Estimator Icon







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.


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 and the Power Index Elite index annuity, 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