Why choose VALIC
VALIC financial strength ratings
The Variable Annuity Life Insurance Company has received strong financial strength ratings from independent ratings agencies, reflecting its financial stability and its ability to meet its obligations to its policy holders and others.
|Standard & Poor's||A+ (Strong)1
||Companies rated A have strong financial security characteristics, but are somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.|
|Moody's||A2 (Good)2||Companies rated A offer good financial security. However, elements may be present that suggest a susceptibility to impairment sometime in the future.|
|A.M. Best||A (Excellent)2
||Companies rated A have an excellent ability to meet their ongoing financial obligations to policyholders.|
||Companies rated A have low expectations of default risk. The capacity for payment of financial commitments is considered strong. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.|
1 Outlook negative
2 Outlook stable
Ratings are confirmed as of 02/14/18 and subject to change. Because the dates are only updated when there’s a change in the ratings, the confirmed date reflects the most recent ratings we have received. Standard & Poor’s ratings are a measure of claims-paying ability and range from AAA (Extremely Strong) to R (Regulatory Action), while Moody’s ratings measure financial security and range from Aaa (Exceptional) to C (Extremely Poor). A.M. Best’s ratings measure claims-paying ability and range from A++ (Superior) to F (in Liquidation). Fitch ratings are a measure of insurer financial strength, ranging from AAA (Exceptionally Strong) to C (Distressed). Only the fixed account protection features, income payments, and guarantees are backed by the claims-paying ability of the issuing insurance company.
Managing your account
No two people want to manage their finances exactly the same way, so we offer flexible choices. You may want to:
Handle your retirement account yourself
Get a little assistance
Hand everything over to a trusted professional
Working with your financial advisor
Our financial advisors combine experience and knowledge with advanced financial modeling tools to help you plan a secure retirement. Financial advice is provided through VALIC Financial Advisors, Inc. (VFA).
Here’s what to expect when you meet with a VFA financial advisor:
Discover. Review your financial situation and objectives to develop a picture of your financial status, then list your goals.
Learn. Discuss planning concepts (diversification, asset allocation, investment strategies, tax planning and estate preservation).
Plan. Develop a personal plan — a blueprint to help you reach your goals.
Implement. Develop financial strategies to meet current needs and future goals.
Review. A periodic review of your priorities, goals and investments to keep your plan on track.