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Contracts issued and guaranteed by:
American General Life Insurance Company (AGL)

We offer protection of your savings, predictable retirement income payments and the flexibility for those payments to begin immediately or at a chosen time in the future. American General Life Insurance Company (AGL) is committed to helping Americans achieve their financial goals.

American General Life Insurance Company, through its Western National series of annuities, was one of the first insurance companies to develop fixed annuity products specifically for sale through banks. We are the number one provider of fixed annuities* in this market, and have maintained our leadership by offering conservative choices and a commitment to service.

Our innovative products can help you live retirement on your terms.


*Source: As reflected in Kehrer-LIMRA Reports for years 1996 through 2011. Sales from First SunAmerica Life Insurance Company (FSA) have been included in this number from 2002 through 2011. Sales from US Life have been included since 2012 due to the merger of FSA into US Life.

Types of fixed and immediate annuities we offer


Flexible-Premium, Tax-Deferred Fixed Annuities
A flexible-premium, tax-deferred fixed annuity is a conservative addition to any portfolio. You can expect the safety of your principal, a guaranteed interest rate, tax-deferred accumulation, and the option to transform your annuity balance into a guaranteed income stream for life (with annuitization option).1, 2

Single-Premium Deferred Annuity (SPDA)
A single-premium deferred annuity is a conservative financial product that can provide stability and guaranteed growth no matter how the market performs — plus the option to turn your assets into income you’ll never outlive (through annuitization). When you purchase the annuity, your single premium (one-time payment) is protected from market fluctuations and will never earn less than the guaranteed minimum interest rate stated in your contract.

Single-Premium Tax-Deferred Fixed Annuity with Market Value Adjustment
A single-premium, tax-deferred fixed annuity with market value adjustment can offer flexibility and control. It can provide stability and guaranteed growth, plus the option to transform your annuity balance into a guaranteed income stream for life (with annuitization option).1, 2 You can purchase the annuity by making one payment.

Single-Premium Immediate Annuity (SPIA)
With a SPIA, you can convert your accumulated savings into retirement income you’ll never outlive or for a specified period. Your income payments can start soon after you purchase the annuity with a single lump-sum payment.

Single-Premium Delayed-Income Annuity (DIA)
With a DIA, you are essentially purchasing a specific income stream for your future. Payments from a delayed-income annuity begin more than 12 months from the annuity purchase date. It is possible for the annuity purchaser to delay payments for decades.


1 This and all guarantees mentioned are subject to the claims-paying ability of American General Life Insurance Company. Annuities have limitations.

2 Annuitization is the process of converting the fixed annuity into a series of periodic income payments.

The Western National series of annuities is issued and underwritten in New York by The United States Life Insurance Company in the City of New York (US Life) and in all other states by American General Life Insurance Company.