Whether you’re nearing or in retirement, it’s important to assure your strategy is positioned for today’s key retirement challenges, including longer life expectancies, rising costs, and market volatility. Fortunately, there’s a solution designed to help provide growth potential, principal protection from market downturns, and guaranteed lifetime income with the opportunity to increase throughout retirement.

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The X5 Advantage Annuity® is designed to generate increasing lifetime income, grow your premium, and protect against market downturns while helping you navigate retirement with greater confidence. The benefits of X5 Advantage® include:


Increasing lifetime income

After you begin withdrawals, create a source of retirement income that may grow with your needs


Growth & protection

100% principal protection with the potential to grow your Contract Value based in part on positive index performance


Legacy & care

Protect yourself and your loved ones with options for life’s unexpected events

Understanding X5 Advantage Annuity

The X5 Advantage Fixed Index Annuity is a long-term insurance product issued by American General Life Insurance
Company (AGL). It is not a direct investment in the stock market or any particular index. It is not possible to invest
directly in an index. X5 Advantage works in two stages:

  • Accumulation: In exchange for your money (premium), the annuity provides you with the opportunity to earn interest based in part on the positive performance of one or more indices
  • Income: After at least 10 years, when you need income, the issuing company promises to provide guaranteed lifetime income that may increase

The interest credited in the annuity will never be less than zero. If you choose to surrender your contract before the
10th Contract Anniversary, surrender charges and other charges may apply. These guarantees are backed by the
claims paying ability of AGL. Other restrictions and limitations may apply.

This material was prepared to support the marketing of X5 Advantage Annuity. This information is general in nature, may be subject to change and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. For advice concerning your situation, consult your attorney, financial professional, tax advisor, or accountant.

Tax-qualified plans such as IRAs, 401(k)s or 403(b) plans are tax deferred regardless of whether or not they are funded with an annuity. If you use X5 Advantage to fund a tax-qualified plan, you should know that an annuity does not provide any additional tax-deferred treatment of interest beyond the treatment by the tax-qualified plan itself. You should only use an index annuity in a tax qualified plan if you want to benefit from features other than tax deferral. If you intend to take Required Minimum Distributions (RMDs), please consult with a tax advisor concerning your particular circumstances. X5 Advantage may not be appropriate if you plan to make ongoing contributions.

Indices are not a permanent part of the contract and may be removed due to circumstances beyond the control of American General Life Insurance Company. Such circumstances include, but are not limited to, the discontinuation of an index, a change in the composition or calculation of an index, the inability to license the use of an index and the inability to hedge risks associated with the index. Special rules govern how assets in an index account with a discontinued index may be reallocated. These rules may differ by state. Please see the Owner Acknowledgment and Disclosure Statement for more information.

Genesis Development Group, Inc. has patents and patents pending that may cover elements of the products discussed in this document. This document does not convey any license or other rights in these patents.

Annuities are issued by American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas 77019. X5 Advantage Single Premium Deferred Fixed Index Annuity, Contract Number AG-808 (07/19) (AG-808-ID (07/19) for Idaho residents). AGL is a member company of American International Group, Inc. (AIG). The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by AGL are its responsibility. Guarantees are backed by the claims-paying ability of AGL. AGL does not issue products in the state of New York. Annuities and riders may vary by state and are not available in all states.

Annexus is an independent product distribution firm that works with Independent Distribution Companies to distribute retirement products. Annexus is not affiliated with AIG or AGL.

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