Account Value |
The total sum of your Fixed Account Option and/or Variable Account Option that has not yet been
applied to your annuity payments. |
Advisory Program |
The investment advice service provided by your Investment Adviser. Guided Portfolio AdvantageSM /
Guided Portfolio Services® are the financial advice services
offered by our affiliate, VALIC Financial Advisors, Inc., a registered investment
adviser and Company subsidiary (VFA). A separate investment advisory fee and
agreement are required for either of these services, if available under an employer’s retirement plan. Alternatively, you may have enrolled in an Advisory Program offered by a third-party
investment adviser who is not affiliated with us. There may also be an advisory fee required by
that adviser. You should ask your investment adviser about any fees charged for
investment advice provided. For new investors, we no longer honor investment adviser transfer requests in connection
with Advisory Programs that are offered through third-party Investment
Advisers. |
Contract |
The group and individual fixed and variable deferred annuity contracts summarized in this summary
prospectus and described in more detail in the prospectus. |
Fixed Account Option |
An account that is guaranteed to earn at least a minimum rate of interest while invested in VALIC’s
general account. |
Fixed Account Plus |
A type of Fixed Account Option under the Contract. |
Fund or Mutual Fund |
The investment portfolio(s) of a registered open-end management investment company, which serves
as the underlying investment vehicle for each Division represented in VALIC Separate Account
A. |
Investment Adviser |
The investment adviser that you have engaged to provide services as part of an Advisory Program. The
investment adviser may have been engaged through a third party. For new investors, we only
support Advisory Programs that are offered through our affiliate, VALIC Financial
Advisors (“VFA”), Inc., a registered investment adviser and our
subsidiary. There are typically advisory fees associated with an Advisory Program.
Those fees are separate from the Contract’s fees and charges. |
|
VALIC is not an investment adviser to any Advisory Program and does not provide any advice under an
Advisory Program. |
Living Benefit |
An optional guaranteed minimum withdrawal benefit designed to help you create a guaranteed income
stream for a specified period of time or as long as you and your spouse live, even if your entire
Account Value has been reduced to zero. Living Benefits are no longer available for
purchase. |
Market Close |
The close of regular trading on the NYSE, generally 4:00 p.m., Eastern time, on each day the NYSE is
open for business. |
Multi-Year Enhanced
Option |
A type of Fixed Account Option, potentially subject to market value adjustments. |
Platform Charge |
A fee we charge in order to make certain underlying Funds available as an investment option under the
Contract. |
Purchase Payment |
An amount of money you or your employer pay to VALIC to receive the benefits of a Contract. |
Short-Term Fixed Account |
A type of Fixed Account Option under the Contract. |
VALIC (we, us, our) |
The Variable Annuity Life Insurance Company. |
Variable Account Option
(or Division) |
Any variable investment option under the Contract. Each Variable Account Option invests in the shares
of a single Fund. |
|
FEES AND EXPENSES |
Location in
Prospectus | ||
Charges for Early
Withdrawals |
Your Contract may be subject to surrender charges depending on the series
of Contract: •Series 1, 3, 4, 5, 7, 8, 9, and 10. If you withdraw
money under the Contract within five years of making a Purchase Payment, you may be
assessed a surrender charge of up to 5%, either as a percentage of the
amount withdrawn or as a percentage of Purchase Payments made during
the last five years, whichever is less. •Series 2, 6, 11, and 12. No surrender
charge. For example, if you own a series 1, 3, 4, 5, 7, 8, 9, or 10 Contract and make
an early withdrawal, you could pay a surrender charge of up to $5,000 on a
$100,000 investment. No surrender charges would apply to a series 2, 6,
11, or 12 Contract.
You may be subject to a market value adjustment if you make an early
withdrawal or transfer from a Multi-Year Enhanced Option (a
type of Fixed Account Option). |
Fee Tables
Fees and Charges –
Surrender Charge | ||
Transaction Charges |
In addition to surrender charges (if applicable), you may also be charged
for other transactions. •You may be subject to a market value adjustment if you make an early
withdrawal or transfer from a Multi-Year Enhanced Option (a type of Fixed
Account Option). •You may be subject to a loan application fee and loan interest if you
request a loan under the Contract. •Under a series 11 contract, if you transfer amounts from the Fixed Account
Plus option to another investment option under the Contract (or another
funding entity) in excess of the annual limit, you may be
subject to a charge of 5% on the excess amount
transferred. •While you are enrolled in an Advisory Program, you will pay an
Advisory Program Fee to your Investment Adviser, and your
Investment Adviser may direct VALIC to deduct such fee from
your Account Value. •There may also be taxes on Purchase Payments. |
Fee Tables
Fees and Charges |
|
FEES AND EXPENSES |
Location in
Prospectus | ||
Ongoing Fees and
Expenses (annual
charges) |
The table below describes the current fees and expenses of the Contract
that you may pay each year, depending on the options you choose. Please
refer to your Contract specifications page for information
about the specific fees you will pay each year based on the
options you have elected. The fees and expenses do not
reflect any advisory fees paid to an investment adviser from
the Contract or other Contract owner assets. If such charges were
reflected, the fees and expenses would be higher. Interest
on Contract loans is not reflected below.
|
Fees and Charges | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract1
(varies by Contract class) |
0.40% |
0.41% | ||
Investment Options2
(Fund fees and expenses) |
0.20% |
1.27% | ||
Optional Benefits Available for an
Additional Charge (For a single
optional benefit, if elected) |
0.65%3 |
3.10%4 | ||
1 As a percentage of average daily net asset value allocated to a Variable
Account Option, plus for the Maximum charge, an amount attributable to the
annual variable account option maintenance charge, which is
applicable to series 1 and 9 only.
2 As a percentage of Fund net assets, plus any applicable amounts deemed to
be Platform Charge.
3 As a percentage of the benefit base used to calculate the guaranteed
benefit. This represents the minimum charge for the least expensive
(Minimum) Living Benefit.
4 As a percentage of the benefit base used to calculate the guaranteed
benefit. This represents the maximum charge for most expensive (Maximum)
Living Benefit, for which the current charge may fluctuate
quarterly based on market volatility based on the Living
Benefit effective date. | ||||
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning
your Contract, the following table shows the lowest and
highest cost you could pay each year, based on current charges. This estimate assumes
that you do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs. |
||||
Lowest Annual Cost: $613 |
Highest Annual Cost: $4,790 | |||
Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive combination of base Contract classes and Fund fees and expenses •No optional benefits
•No surrender charges or advisory fees •No additional Purchase Payments,
transfers, or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of base Contract classes, optional benefits, and Fund fees and expenses •No surrender charges or advisory
fees
•No additional Purchase Payments, transfers, or withdrawals |
|
RISKS |
Location in
Prospectus | ||
Risk of Loss |
You can lose money by investing in this Contract, including your principal
investment. |
Principal Risks of
Investing in the
Contract | ||
Not a Short-Term
Investment |
•This Contract is not designed for short-term investing and is not
appropriate for an investor who needs ready access to cash.
•Charges may apply to withdrawals under a series 1, 3, 4, 5, 7, 8, 9, or 10
Contract. Surrender charges could significantly reduce the amount that you
receive upon taking a withdrawal. Withdrawals may also
reduce or terminate Contract guarantees. •If you select the Fixed Account Plus option for investment, your ability to
transfer amounts from that option is subject to an annual limit. It may
take several years to transfer all amounts from the Fixed
Account Plus option. Under a series 11 Contract, if you
transfer amounts from the Fixed Account Plus option in
excess of that annual limit (including withdrawals from the
Fixed Account Plus option for the purpose of transferring assets to
another funding entity), you may be subject to a
charge. •You may be subject to a market value adjustment if you make an
early withdrawal or transfer from a Multi-Year Enhanced
Option (a type of Fixed Account Option). •The benefits of tax deferral, long-term income, and optional Living Benefit
guarantees mean the Contract is generally more beneficial to investors
with a long investment time horizon. | |||
Risks Associated with
Investment Options |
•An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the Contract. •Each investment option (including each Fixed Account Option) has its own
unique risks. •You should review the investment options before making an investment
decision. | |||
Insurance Company
Risks |
An investment in the Contract is subject to the risks related to us,
VALIC. Any obligations (including under any Fixed Account
Option), guarantees, and benefits of the Contract are
subject to our claims-paying ability. If we experience
financial distress, we may not be able to meet our obligations to you. More information about us, including our financial strength ratings, is
available upon request by calling 1-800-448-2542 or visiting
www.corebridgefinancial.com/rs. |
|
RESTRICTIONS |
Location in
Prospectus | ||
Investments |
•Certain investment options may not be available under your Contract. If
your Contract is a tax-deferred nonqualified annuity that is not part of
your employer’s retirement plan, Variable Account
Options investing in a Public Fund will not be available to
you. •You may transfer funds between the investment options, subject to certain
restrictions. •If you are enrolled in an Advisory Program, you are personally prohibited
from making transfers among investment options in the Contract. During
such period, transfer instructions may only be provided by
the Investment Adviser. If you terminate the Advisory
Program, you may make transfers among the investment options
subject to certain restrictions. •Transfers between the investment options, as well as certain
purchases and redemptions, are subject to policies designed
to deter market timing and frequent transfers.
•Transfers to and from the Fixed Account Options are subject to special
restrictions. •Early withdrawals and transfers from a Multi-Year Enhanced Option may be
subject to negative adjustments. •We reserve the right to remove or substitute Funds as investment options. |
Fixed and Variable
Account Options
Transfers Between
Investment Options | ||
Optional Benefits |
•Additional restrictions and limitations apply under the Contract’s optional
Living Benefits, which are no longer available for purchase.
•If you elected an optional Living Benefit, not all investment options may be
available and you must invest in accordance with any applicable
investment restrictions. •We may modify the investment restrictions for an optional Living Benefit. •If you are participating in an Advisory Program and your Investment
Adviser’s fees are deducted from your Contract, the deduction of
those fees may reduce the optional living benefit, death
benefit and any other guaranteed benefit, and may be subject
to surrender charges, federal and state income taxes and a
10% federal penalty tax. •Withdrawals that exceed limits specified by the terms of an
optional Living Benefit may affect the availability of the
benefit by reducing the benefit by an amount greater than
the value withdrawn and could terminate the benefit. |
Appendix B – Living
Benefits
Advisory Program
Federal Tax Matters | ||
|
TAXES |
| ||
Tax Implications |
•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. •If you purchase the Contract through a tax-qualified plan or individual
retirement account, there is no additional tax benefit under the
Contract. •Withdrawals, including withdrawals to pay your Investment
Adviser’s fees, may be subject to ordinary income tax.
You may have to pay a tax penalty if you take a withdrawal
before age 59½. |
Federal Tax Matters |
|
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
Investment
Professional
Compensation |
Your financial professional may receive compensation for selling this
Contract to you in the form of commissions, additional cash
compensation, and non-cash compensation. We may share the
revenue we earn on this Contract with your financial
professional’s firm, which may be an affiliate. This
conflict of interest may influence your financial professional to recommend this Contract over another investment for which the financial
professional is not compensated or compensated less.
You may determine to engage an Investment Adviser to provide investment
advice to you for the Contract. Your Investment Adviser will
charge an Advisory Program Fee. We do not set your
investment advisory fee. While VALIC may deduct the Advisory
Program Fee from your Account Value based on instructions
from your Investment Adviser, we do not retain any portion of
these fees. If VFA is the Investment Adviser of your Advisory Program,
VALIC, as the parent company of VFA will indirectly benefit
from VFA’s receipt of Advisory Program
Fees. In addition, Investment Advisers and their managers are
eligible for benefits from us or our affiliates, such as
non-cash compensation items. One or more of these conflicts
of interest may influence your financial professional to
recommend this Contract over another investment. |
General Information –
Distribution of the
Contracts
Advisory Program | ||
Exchanges |
Some financial professionals may have a financial incentive to offer you a
new contract in place of the one you already own. You should
exchange a contract you already own only if you determine,
after comparing the features, fees, and risks of both
contracts, that it is better for you to purchase the new
contract rather than continue to own your existing contract.
|
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Domestic
Large-Cap
Equity |
American Beacon Man Large Cap
Growth Fund3, 5 – Investor
Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% |
None |
1.12% |
31.01% |
15.58% |
14.60%* |
Systematic Growth Fund2, 5
Adviser: VALIC Sub-Advisers: Goldman Sachs Asset
Management, L.P. and Wellington Management
Company LLP |
0.68% |
None |
0.68% |
44.81% |
12.46% |
11.81% | |
Capital Appreciation Fund2 Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.80% |
None |
0.80% |
41.16% |
16.74% |
12.26% | |
Dividend Value Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock Investment
Management, LLC and ClearBridge
Investments, LLC |
0.68% |
None |
0.68% |
12.56% |
9.97% |
8.15% | |
Growth Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock and SunAmerica
Asset Management, LLC (an affiliate of
VALIC due to common ownership)
|
0.65% |
None |
0.65% |
46.94% |
16.27% |
12.40% | |
Large Capital Growth Fund2 Adviser: VALIC
Sub-Adviser: Massachusetts Financial Services Company |
0.75% |
None |
0.75% |
23.93% |
16.70% |
12.73% | |
Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.44% |
None |
0.44% |
54.49% |
22.00% |
17.26% | |
Stock Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.25% |
None |
0.25% |
25.80% |
15.32% |
11.67% | |
Systematic Core Fund2, 5
Adviser: VALIC Sub-Adviser: Goldman Sachs
|
0.64% |
None |
0.64% |
24.03% |
15.42% |
11.47% | |
Systematic Value Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.49% |
None |
0.49% |
11.19% |
10.31% |
7.52% | |
U.S. Socially Responsible Fund2 Adviser: VALIC
Sub-Adviser: SunAmerica |
0.36% |
None |
0.36% |
21.70% |
14.36% |
11.20% | |
Vanguard Windsor II Fund3 – Investor Shares
Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley Capital Management, LLC; Lazard Asset Management LLC; and Sanders Capital, LLC |
0.34% |
0.25% |
0.59% |
20.98% |
14.87% |
10.05% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Domestic Mid-
Cap Equity |
Ariel Appreciation Fund3 – Investor Class
Adviser: Ariel Investments, LLC |
1.13% |
None |
1.13% |
10.62% |
10.28% |
6.32% |
Mid Cap Strategic Growth Fund2 Adviser: VALIC
Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.77% |
None |
0.77% |
22.41% |
15.16% |
10.39% | |
Mid Cap Value Fund2 Adviser: VALIC
Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.82% |
None |
0.82% |
16.98% |
13.01% |
7.97% | |
Mid Cap Index Fund2 Adviser: VALIC
Sub-Adviser: SunAmerica |
0.36% |
None |
0.36% |
15.94% |
12.21% |
8.92% | |
Domestic Small-
Cap Equity |
Ariel Fund3 – Investor Class
Adviser: Ariel |
0.99% |
None |
0.99% |
15.81% |
10.95% |
7.54% |
Small Cap Growth Fund2, 5
Adviser: VALIC Sub-Advisers: J.P. Morgan Investment
Management Inc. and T. Rowe Price
Associates, Inc. |
0.91% |
None |
0.91% |
14.28% |
10.05% |
8.78% | |
Small Cap Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.40% |
None |
0.40% |
16.35% |
9.57% |
6.88% | |
Small Cap Special Values Fund2 Adviser: VALIC
Sub-Adviser: Allspring Global Investments, LLC |
0.89% |
None |
0.89% |
19.14% |
11.68% |
8.30% | |
Small Cap Value Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.81% |
None |
0.81% |
12.79% |
9.98% |
6.23% | |
Global Equity
(International
and Domestic) |
Global Strategy Fund2, 5
Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc.
and Brandywine Global Investment Management
LLC |
0.71% |
None |
0.71% |
15.60% |
3.53% |
2.38% |
International Socially Responsible Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.61% |
None |
0.61% |
18.35% |
8.68% |
6.96% | |
International
Equity |
Emerging Economies Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
0.96% |
None |
0.96% |
12.11% |
3.30% |
1.89% |
International Equities Index Fund2, 5
Adviser: VALIC Sub-Adviser: SunAmerica
|
0.43% |
None |
0.43% |
17.25% |
7.70% |
3.95% | |
International Growth Fund2, 5
Adviser: VALIC Sub-Advisers: MSIM and Morgan Stanley
Investment Management Co.
|
0.88% |
None |
0.88% |
17.66% |
9.54% |
5.62% | |
International Opportunities Fund2, 5
Adviser: VALIC Sub-Advisers: Invesco Advisers, Inc. and
Wellington Management |
1.00% |
None |
1.00% |
14.28% |
6.22% |
4.75% | |
International Value Fund2, 5
Adviser: VALIC Sub-Advisers: Goldman Sachs and Columbia
Management Investment Advisers,
LLC |
0.79% |
None |
0.79% |
14.38% |
5.91% |
1.64% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Specialty |
Global Real Estate Fund2 Adviser: VALIC
Sub-Advisers: Duff & Phelps Investment Management Co. and MFS |
0.88% |
None |
0.88% |
10.01% |
3.15% |
3.66% |
Invesco Balanced-Risk Commodity Strategy Fund3, 5 –
Class R5
Adviser: Invesco Advisers, Inc. |
1.15% |
None |
1.15% |
-3.13% |
7.08% |
0.24% | |
Science & Technology Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock, Voya, and
Wellington Management |
0.93% |
None |
0.93% |
55.79% |
18.42% |
15.69% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Hybrid
(Equity and
Fixed Income) |
Aggressive Growth Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.62% |
None |
0.62% |
17.04% |
9.69% |
6.61% |
Asset Allocation Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.69% |
None |
0.69% |
18.34% |
8.27% |
5.61% | |
Conservative Growth Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.64% |
None |
0.64% |
11.24% |
5.86% |
4.15% | |
Dynamic Allocation Fund2, 5
Adviser: VALIC Sub-Advisers: AllianceBernstein L.P. and
SunAmerica |
0.81% |
None |
0.81% |
13.32% |
6.93% |
5.02% | |
Moderate Growth Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.60% |
None |
0.60% |
14.09% |
8.46% |
5.91% | |
T. Rowe Price Retirement 2015 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.75% |
None |
0.75% |
12.71% |
6.74% |
5.28% | |
T. Rowe Price Retirement 2020 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.78% |
None |
0.78% |
13.17% |
7.38% |
5.78% | |
T. Rowe Price Retirement 2025 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.79% |
None |
0.79% |
14.33% |
8.17% |
6.33% | |
T. Rowe Price Retirement 2030 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.82% |
None |
0.82% |
16.02% |
8.98% |
6.85% | |
T. Rowe Price Retirement 2035 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.84% |
None |
0.84% |
17.83% |
9.77% |
7.31% | |
T. Rowe Price Retirement 2040 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.85% |
None |
0.85% |
19.27% |
10.41% |
7.69% | |
T. Rowe Price Retirement 2045 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.87% |
None |
0.87% |
20.17% |
10.90% |
7.94% | |
T. Rowe Price Retirement 2050 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.88% |
None |
0.88% |
20.49% |
10.98% |
7.98% | |
T. Rowe Price Retirement 2055 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.89% |
None |
0.89% |
20.48% |
10.93% |
7.95% | |
T. Rowe Price Retirement 2060 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.89% |
None |
0.89% |
20.44% |
10.93% |
7.72%* | |
Vanguard LifeStrategy Conservative Growth Fund3, 4 –
Investor Shares
Adviser: The Vanguard Group, Inc. |
0.12% |
0.25% |
0.37% |
12.48% |
5.52% |
4.77% | |
Vanguard LifeStrategy Growth Fund3, 4 – Investor Shares
Adviser: Vanguard |
0.14% |
0.25% |
0.39% |
18.55% |
9.83% |
7.36% | |
Vanguard LifeStrategy Moderate Growth Fund3, 4 –
Investor Shares
Adviser: Vanguard |
0.13% |
0.25% |
0.38% |
15.49% |
7.68% |
6.09% | |
Vanguard Wellington Fund3 – Investor Shares
Adviser: Wellington Management |
0.26% |
0.25% |
0.51% |
14.33% |
9.58% |
7.88% |
Type |
Fund – Share Class
Adviser/Sub-Adviser1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2023) | ||
1 Year |
5 Year |
10 Year
(or life of fund) | |||||
Fixed Income |
Core Bond Fund2 Adviser: VALIC
Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.50% |
None |
0.50% |
6.51% |
1.70% |
1.96% |
Goldman Sachs VIT Government Money Market Fund5 –
Institutional Shares
Adviser: Goldman Sachs |
0.18% |
None |
0.18% |
5.05% |
1.82% |
1.19% | |
Government Securities Fund2 Adviser: VALIC
Sub-Adviser: JPMIM |
0.67% |
None |
0.67% |
4.21% |
0.53% |
1.27% | |
High Yield Bond Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.68% |
None |
0.68% |
13.14% |
5.28% |
4.22% | |
Inflation Protected Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.55% |
None |
0.55% |
4.09% |
3.05% |
2.13% | |
International Government Bond Fund2 Adviser: VALIC
Sub-Adviser: PineBridge |
0.76% |
None |
0.76% |
5.98% |
0.04% |
0.65% | |
Vanguard Long-Term Investment-Grade Fund3 – Investor
Shares
Advisers: Wellington Management and Vanguard |
0.21% |
None |
0.21% |
9.27% |
1.96% |
3.75% | |
Vanguard Long-Term Treasury Fund3 – Investor Shares
Adviser: Vanguard |
0.20% |
None |
0.20% |
3.31% |
-1.32% |
2.21% |
Multi-Year Fixed Option – 3 years |
Multi-Year Fixed Option – 5 years |
Multi-Year Fixed Option – 7 years |
Multi-Year Fixed Option – 10 years |
Investment
Group |
Group A: Bond, Cash and
Fixed Accounts* |
Group B:
Equity Maximum |
Group C:
Limited Equity |
Investment
Restrictions |
30% Minimum
100% Maximum |
0% Minimum
70% Maximum |
0% Minimum 10%
Maximum |
Investment
Group |
Group A: Bond, Cash and
Fixed Accounts* |
Group B:
Equity Maximum |
Group C:
Limited Equity |
Variable
Account
Options
and/or
Fixed
Accounts |
Fixed Account Plus**
Short-Term Fixed Account** Core Bond Fund Goldman Sachs VIT Government Money Market Fund Government Securities Fund Inflation Protected Fund International Government Bond Fund Vanguard Long-Term Investment Grade Fund Vanguard Long-Term Treasury Fund |
Aggressive Growth Lifestyle Fund
American Beacon Man Large Cap Growth
Fund
Asset Allocation Fund
Capital Appreciation Fund
Conservative Growth Lifestyle Fund
Dividend Value Fund
Dynamic Allocation Fund
Global Strategy Fund
Growth Fund
High Yield Bond Fund
International Equities Index Fund
International Growth Fund
International Socially Responsible Fund
International Value Fund
Large Capital Growth Fund
Mid Cap Index Fund
Mid Cap Value Fund
Moderate Growth Lifestyle Fund
Stock Index Fund
Systematic Core Fund
Systematic Growth Fund
Systematic Value Fund
T. Rowe Price Retirement 2015 Fund
T. Rowe Price Retirement 2020 Fund
T. Rowe Price Retirement 2025 Fund
T. Rowe Price Retirement 2030 Fund
T. Rowe Price Retirement 2035 Fund
T. Rowe Price Retirement 2040 Fund
T. Rowe Price Retirement 2045 Fund
T. Rowe Price Retirement 2050 Fund
T. Rowe Price Retirement 2055 Fund
T. Rowe Price Retirement 2060 Fund
U.S. Socially Responsible Fund
Vanguard LifeStrategy Conservative Growth
Fund
Vanguard LifeStrategy Growth Fund
Vanguard LifeStrategy Moderate Growth
Fund
Vanguard Wellington Fund
Vanguard Windsor II Fund |
Ariel Appreciation Fund Ariel Fund Emerging Economies Fund Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Special Values Fund Small Cap Value Fund |
Investment
Group |
Group A: Bond, Cash and
Fixed Accounts* |
Group B:
Equity Maximum |
Group C:
Limited Equity |
Investment
Restrictions |
30% Minimum
100% Maximum |
0% Minimum
70% Maximum |
0% Minimum
10% Maximum |
Variable
Account
Options
and/or
Fixed
Accounts |
Fixed Account Plus**
Short-Term Fixed Account**
Core Bond Fund
Goldman Sachs VIT Government Money
Market Fund
Government Securities Fund
Inflation Protected Fund
International Government Bond Fund
Vanguard Long-Term Investment Grade Fund
Vanguard Long-Term Treasury Fund |
Aggressive Growth Lifestyle Fund
American Beacon Man Large Cap Growth
Fund
Asset Allocation Fund
Capital Appreciation Fund
Conservative Growth Lifestyle Fund
Dividend Value Fund
Dynamic Allocation Fund
Emerging Economies Fund***
Global Strategy Fund
Growth Fund
High Yield Bond Fund
International Equities Index Fund
International Growth Fund
International Socially Responsible Fund
International Value Fund
Large Capital Growth Fund
Mid Cap Index Fund
Mid Cap Value Fund
Moderate Growth Lifestyle Fund
Stock Index Fund
Systematic Core Fund
Systematic Growth Fund
Systematic Value Fund
T. Rowe Price Retirement 2015 Fund
T. Rowe Price Retirement 2020 Fund
T. Rowe Price Retirement 2025 Fund
T. Rowe Price Retirement 2030 Fund
T. Rowe Price Retirement 2035 Fund
T. Rowe Price Retirement 2040 Fund
T. Rowe Price Retirement 2045 Fund
T. Rowe Price Retirement 2050 Fund
T. Rowe Price Retirement 2055 Fund
T. Rowe Price Retirement 2060 Fund
U.S. Socially Responsible Fund
Vanguard LifeStrategy Conservative Growth
Fund
Vanguard LifeStrategy Growth Fund
Vanguard LifeStrategy Moderate Growth
Fund
Vanguard Wellington Fund
Vanguard Windsor II Fund |
Ariel Appreciation Fund Ariel Fund Emerging Economies Fund*** Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Special Values Fund Small Cap Value Fund |
Investment
Group |
Group A: Bond, Cash and
Fixed Accounts* |
Group B:
Equity Maximum |
Group C:
Limited Equity |
Investment
Restrictions |
30% Minimum
100% Maximum |
0% Minimum
70% Maximum |
0% Minimum
10% Maximum |
Variable
Account
Options
and/or
Fixed
Accounts |
Fixed Account Plus
Short-Term Fixed Account
Core Bond Fund
Goldman Sachs VIT Government Money
Market Fund
Government Securities Fund
Inflation Protected Fund
International Government Bond Fund
Vanguard Long-Term Investment Grade Fund
Vanguard Long-Term Treasury Fund |
Aggressive Growth Lifestyle Fund
American Beacon Man Large Cap Growth
Fund
Asset Allocation Fund
Capital Appreciation Fund
Conservative Growth Lifestyle Fund
Dividend Value Fund
Dynamic Allocation Fund
Emerging Economies Fund
Global Strategy Fund
Growth Fund
High Yield Bond Fund
International Equities Index Fund
International Growth Fund
International Socially Responsible Fund
International Value Fund
Large Capital Growth Fund
Mid Cap Index Fund
Mid Cap Value Fund
Moderate Growth Lifestyle Fund
Stock Index Fund
Systematic Core Fund
Systematic Growth Fund
Systematic Value Fund
T. Rowe Price Retirement 2015 Fund
T. Rowe Price Retirement 2020 Fund
T. Rowe Price Retirement 2025 Fund
T. Rowe Price Retirement 2030 Fund
T. Rowe Price Retirement 2035 Fund
T. Rowe Price Retirement 2040 Fund
T. Rowe Price Retirement 2045 Fund
T. Rowe Price Retirement 2050 Fund
T. Rowe Price Retirement 2055 Fund
T. Rowe Price Retirement 2060 Fund
U.S. Socially Responsible Fund
Vanguard LifeStrategy Conservative Growth
Fund
Vanguard LifeStrategy Growth Fund
Vanguard LifeStrategy Moderate Growth
Fund
Vanguard Wellington Fund
Vanguard Windsor II Fund |
Ariel Appreciation Fund Ariel Fund Emerging Economies Fund** Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Special Values Fund Small Cap Value Fund |
Investment
Group |
Group A:
Bond, Cash and
Fixed Accounts |
Group B:
Equity Maximum |
Group C:
Limited Equity |
Investment
Restrictions |
20% Minimum
100% Maximum |
0% Minimum
70% Maximum |
0% Minimum 10%
Maximum |
Investment
Group |
Group A:
Bond, Cash and
Fixed Accounts |
Group B:
Equity Maximum |
Group C:
Limited Equity |
Variable
Account
Options
and/or
Fixed
Accounts |
Fixed Account Plus
Short-Term Fixed Account
Core Bond Fund
Goldman Sachs VIT Government Money
Market Fund
Government Securities Fund
Inflation Protected Fund
International Government Bond Fund
Vanguard Long-Term Investment Grade Fund
Vanguard Long-Term Treasury Fund |
Aggressive Growth Lifestyle Fund
American Beacon Man Large Cap Growth
Fund
Asset Allocation Fund
Capital Appreciation Fund
Conservative Growth Lifestyle Fund
Dividend Value Fund
Dynamic Allocation Fund
Emerging Economies Fund
Global Strategy Fund
Growth Fund
High Yield Bond Fund
International Equities Index Fund
International Growth Fund
International Socially Responsible Fund
International Value Fund
Large Capital Growth Fund
Mid Cap Index Fund
Mid Cap Value Fund
Moderate Growth Lifestyle Fund
Stock Index Fund
Systematic Core Fund
Systematic Growth Fund
Systematic Value Fund
T. Rowe Price Retirement 2015 Fund
T. Rowe Price Retirement 2020 Fund
T. Rowe Price Retirement 2025 Fund
T. Rowe Price Retirement 2030 Fund
T. Rowe Price Retirement 2035 Fund
T. Rowe Price Retirement 2040 Fund
T. Rowe Price Retirement 2045 Fund
T. Rowe Price Retirement 2050 Fund
T. Rowe Price Retirement 2055 Fund
T. Rowe Price Retirement 2060 Fund
U.S. Socially Responsible Fund
Vanguard LifeStrategy Conservative Growth
Fund
Vanguard LifeStrategy Growth Fund
Vanguard LifeStrategy Moderate Growth
Fund
Vanguard Wellington Fund
Vanguard Windsor II Fund |
Ariel Appreciation Fund Ariel Fund Emerging Economies Fund* Global Real Estate Fund International Opportunities Fund Invesco Balanced-Risk Commodity Strategy Fund Mid Cap Strategic Growth Fund Nasdaq-100® Index Fund Science and Technology Fund Small Cap Growth Fund Small Cap Index Fund Small Cap Special Values Fund Small Cap Value Fund |