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VALIC

The Variable Annuity Life Insurance Company (VALIC) is a Houston-based provider specializing in plans, variable annuities, and advisory solutions, with a primary focus on serving institutional clients including educational institutions, government agencies, hospitals, and non-profit organizations. Founded in 1955, VALIC has grown into one of the largest providers of tax-qualified retirement programs in the United States, managing a diverse array of investment funds through entities like VALIC Company I and supporting over 2 million individuals across more than 25,000 client groups. Originally an indirect subsidiary of American International Group, Inc. (AIG), VALIC became part of Corebridge Financial, Inc., following AIG's spin-off of its life and retirement business in September 2022, which established Corebridge as a standalone publicly traded company. Headquartered at 2929 Allen Parkway in Houston, Texas, the company reported approximately $47.3 billion in assets under management as of December 31, 2023, with a capitalization ratio of 105.66% reflecting strong financial stability. VALIC's core offerings include recordkeeping for retirement plans, variable annuity products, and investment management services, often through sub-advisers for its mutual funds that target long-term capital growth via equities, fixed income, and alternative assets. It maintains high ratings from leading agencies, including an A (Excellent) from AM Best, A+ from S&P and Fitch, and A2 from Moody's, underscoring its reliability in the retirement services sector. As a registered investment adviser with the U.S. Securities and Exchange Commission, VALIC emphasizes compliance, performance monitoring, and tailored solutions for sectors like higher education and K-12 schools, where it ranks among the top providers.

History

Founding and Early Development

The Variable Annuity Life Insurance Company (VALIC) was founded on December 21, 1955, in , as The Variable Annuity Life Insurance Company of America Incorporated by George E. Johnson, former of TIAA-CREF, and John H. Marsh, a agent and entrepreneur. The company was established specifically to issue variable , a novel retirement product designed to combat by investing premiums primarily in common stocks and other equities, offering policyholders fluctuating payments tied to investment performance rather than fixed guarantees. This focus positioned VALIC as the first commercial issuer of variable , targeting tax-deferred savings vehicles for professional groups, particularly educators and employees seeking growth-oriented retirement options beyond traditional fixed . VALIC began offering its variable annuity contracts shortly after incorporation in 1955, with initial sales emphasizing for nonprofit and . By the early 1960s, the company had pioneered the implementation of the first retirement plans for public schools, enabling tax-deferred contributions specifically for educators and other eligible workers. These products innovated by allowing participants to defer taxes on earnings until withdrawal, providing a flexible alternative to fixed-income pensions amid rising concerns. The company's early years were marked by significant regulatory hurdles, as variable annuities blurred the lines between insurance and investment products. Initially licensed as an insurance company under District of Columbia laws and in select states like , , and , VALIC faced scrutiny from the for selling unregistered securities. In 1959, the U.S. ruled in SEC v. Variable Annuity Life Insurance Co. that VALIC's contracts constituted "securities" under the and the , mandating registration and oversight alongside state insurance regulation. This decision resolved ongoing challenges but required VALIC to adapt its operations, including registering its separate accounts as investment companies. On April 1, 1963, VALIC reorganized and redomiciled in as The Variable Annuity Life Insurance Company, establishing its principal headquarters in to better serve its growing client base in the and nationwide. This move supported operational expansion and product innovation, such as enhanced variable annuity features for group retirement plans. By the late , VALIC had prospered amid increasing demand for equity-linked retirement solutions, leading to its acquisition by American General Life Insurance Company in 1967, which fueled further asset accumulation to underwrite innovative offerings.

Expansion and Key Milestones

Following its acquisition of a majority stake in VALIC by American General Corporation in , the company experienced significant expansion in distribution channels, particularly through American General's established network in the life insurance and sectors, which facilitated broader access to tax-deferred annuity products for educational and nonprofit institutions. In 1984, VALIC Company I was incorporated on December 7 in as an open-end management company registered under the , serving as a key arm to support the growing offerings. The trajectory accelerated in 2001 when (AIG) acquired American General Corporation, integrating VALIC fully into AIG's broader retirement services portfolio and enabling further scaling of participant services across and institutional clients. By 2017, VALIC had grown to manage over $101 billion in total , reflecting robust demand for its solutions amid increasing employer-sponsored plan adoption. A strategic occurred in , when VALIC shifted to AIG Retirement Services for enhanced market recognition while preserving its legal name and operational structure. Key milestones include surpassing 2 million plan participants by the early , underscoring VALIC's penetration into K-12 education, , and healthcare sectors. In 2022, AIG spun off its life and retirement operations, including VALIC, into the independent , Inc. (NYSE: CRBG), which began trading publicly in September and marked a shift toward focused growth outside full AIG oversight. In June 2025, Corebridge announced the sale of its retirement variable annuity business to Venerable Holdings, Inc., for approximately $2.8 billion, representing a full exit from that segment and allowing a sharper focus on group retirement and other institutional solutions. By 2025, Corebridge's retirement segments, encompassing VALIC's group and retirement assets, exceeded $200 billion under and , highlighting sustained expansion in a maturing retirement savings landscape.

Corporate Structure

Ownership and Parent Company

VALIC operates as a wholly owned indirect of , Inc., following the 2022 from , Inc. (AIG), which established Corebridge as an independent entity focused on services, , and annuities. Headquartered in Houston, Texas, , Inc. trades on the under the CRBG and manages over $380 billion in and administration as of September 30, 2025, with its Group Retirement segment—where VALIC plays a central role—accounting for approximately $130 billion in assets. This structure provides VALIC with enhanced operational stability post-spin-off, enabling focused growth in solutions amid a competitive market. Historically, VALIC's ownership traces back to AIG, which acquired American General Corporation—the parent of VALIC since American General's purchase of VALIC in —in as part of broader expansions in the sector, though the lineage was influenced by AIG's bailout by the U.S. government and subsequent restructuring efforts to divest non-core assets. The 2022 separation from AIG marked a pivotal shift, allowing Corebridge to prioritize and operations independently, resulting in sustained financial health evidenced by strong risk-based capital ratios and liquidity positions exceeding targets as of mid-2025. This post-spin-off era has emphasized strategic independence and , bolstering VALIC's position within the broader ecosystem. Corebridge's governance framework oversees VALIC through its , ensuring alignment with corporate objectives in retirement services, while VALIC adheres to oversight from state insurance regulators and the U.S. for its investment and products. As a licensed entity, VALIC maintains compliance with varying state regulations governing variable annuities and retirement plans, supported by Corebridge's enterprise-wide practices that include regular filings and financial reporting. This integrated structure facilitates robust oversight without direct interference in VALIC's day-to-day operations.

Leadership and Organization

VALIC operates as a key component of 's retirement solutions business, with its internal structure emphasizing advisory, administrative, and compliance functions to support participants and sponsors. As an indirect subsidiary of , Inc., VALIC's organization is aligned with the parent company's oversight while maintaining dedicated teams for , financial advisory services, and to ensure adherence to responsibilities under the Employee Retirement Income Security Act (ERISA). Key subsidiaries include VALIC Financial Advisors, Inc. (VFA), established in 1996 in and headquartered in , which employs financial advisors focused on providing personalized investment guidance. Another critical entity is VALIC Retirement Services Company (VRSCO), responsible for retirement plan recordkeeping, administration, and transfer agency services for affiliated variable annuities. These subsidiaries enable VALIC to deliver comprehensive support across its operations, serving over 23,000 plan sponsors nationwide. Leadership at VALIC is integrated within Corebridge Financial's executive team, with Terri Fiedler serving as of Retirement Services since October 2022, overseeing VALIC's strategic direction in and distribution. As of November 2025, Corebridge's is , who provides high-level guidance for VALIC's operations until Marc Costantini assumes the role on December 1, 2025; Hogan will then transition to a special advisor position. The Corebridge , which governs VALIC's parent entity, consists of 14 members as of October 2025, chaired by Alan Colberg and including executives such as Christopher Lynch and Gilles Dellaert, ensuring strategic alignment and risk management across subsidiaries. VALIC's workforce comprises approximately 2,000 professionals dedicated to financial planning and client support, with a strong emphasis on maintaining ERISA-compliant standards through specialized teams that monitor regulatory adherence and ethical practices in advisory and activities. Organizational divisions include dedicated units handling and portfolio oversight, advisory services led by VFA's network of advisors, and teams that integrate into daily operations to protect client interests.

Products and Services

Annuities

VALIC offers a range of products designed to support through tax-deferred growth and income protection features. These include variable for market-linked growth potential, fixed for principal protection, and income for guaranteed lifetime payouts. As a of (formerly part of AIG), VALIC's are often integrated into employer-sponsored plans like s, particularly for educators and nonprofit organizations, allowing participants to allocate contributions toward these options for diversified savings. Products are issued by VALIC or affiliates such as American General Life Insurance Company. Variable Annuities from VALIC, such as the Polaris® Variable Annuity, are investment-linked contracts that provide tax-deferred accumulation based on the performance of underlying subaccounts spanning up to 12 asset classes, including equities, fixed income, and alternatives. These products feature a guaranteed minimum death benefit (GMDB), typically calculated as total deposits minus partial withdrawals, ensuring beneficiaries receive at least the protected amount upon the annuitant's death. Optional riders, like the Polaris Income Plus Daily Flex®, offer income guarantees through lifetime withdrawal benefits with daily step-ups that can lock in gains up to 252 times per year, subject to age and investment allocation restrictions; these riders incur additional fees. Annual fees for variable annuities generally range from 1% to 2%, encompassing mortality and expense risk charges (around 1.25%), administrative fees, and subaccount expenses (0.5-1%). Surrender charges apply during the initial 7-year period, declining from a maximum of 7-10% on early withdrawals exceeding free partial amounts (often 10% after the first year), with market adjustments potentially affecting returns. Fixed Annuities, exemplified by the VALIC Assured Choice Annuity and Corebridge Pathway SM, emphasize principal protection with guaranteed interest crediting at fixed rates declared periodically, credited daily using a portfolio method to ensure stability for conservative savers seeking to avoid market volatility. These single-premium deferred contracts offer tax-deferred growth and a death benefit passing the full account value to beneficiaries, while providing flexible access through annual free withdrawals (typically 10% of the account value after year one). They are suitable for risk-averse investors prioritizing capital preservation and predictable returns over growth potential. Surrender charges follow an 8-year schedule, starting at 7% and tapering to zero, with a adjustment (MVA) applied to early surrenders that can increase or decrease the payout based on changes; overall fees are lower than variable options, often under 1% annually, mainly covering administrative costs. Income Annuities from VALIC include immediate and deferred variants, such as the American Pathway® Income Annuity for prompt lifetime payouts or the Assured Edge® Fixed for deferred with annual growth potential, delivering guaranteed streams that can continue for life even if the account value depletes. These products support joint and survivor options, allowing payments to a or after the primary annuitant's death, often at 100% or reduced rates, to provide ongoing security. Deferred annuities build value tax-deferred before annuitization, with riders like guaranteed living benefits ensuring minimum levels regardless of market performance. In 403(b) plans, these enable educators to convert accumulated savings into reliable streams, complementing other plan investments without additional tax-deferred treatment beyond the plan's structure. Surrender periods and fees align with fixed norms, typically 8 years and 1% or less annually, prioritizing payout stability over liquidity.

Retirement and Investment Solutions

VALIC specializes in tax-qualified plans, including plans for nonprofit organizations, , and certain employers, as well as plans for a broader range of businesses. These defined contribution options enable participants in , , and healthcare sectors to save for through employer-sponsored accounts, with features like salary deferrals up to $23,500 in 2025 for plans. VALIC tailors these plans to meet the needs of its primary clients, emphasizing accessibility and compliance for institutional sponsors. Investment options within these plans include a variety of mutual funds from the VALIC Company I series, such as the Global Fund, which focuses on investments in real estate-related companies worldwide, and the Mid Cap Value Fund (VVMCX), targeting mid-capitalization companies with value-oriented strategies. Participants can also access brokerage accounts for broader securities trading and consolidators to manage cash equivalents efficiently. These options support diversified accumulation during the working years, with automatic default investments like target-date funds if no selection is made. Advisory services provided by VALIC Financial Advisors include personalized financial planning to align retirement goals with individual circumstances, along with support for Roth and rollovers from employer plans. Additionally, VALIC facilitates college savings through 529 plans, which offer tax-advantaged growth for qualified education expenses and can integrate with broader financial strategies. Administrative services encompass comprehensive recordkeeping, compliance monitoring, and participant support through online portals, ensuring seamless plan management for sponsors and individuals. VALIC's fee-based wrap programs, which bundle advisory, execution, and administrative fees, manage approximately $26 billion in . These services prioritize efficiency and regulatory adherence, particularly for complex institutional plans.

Operations and Impact

Headquarters and Client Reach

VALIC maintains its primary headquarters in , , at 2929 Allen Parkway, a key location that supports its core operations in retirement services and financial advisory. This central hub facilitates oversight of nationwide activities, including product development and client support, while the company operates a broad network of regional offices and financial advisors registered to serve clients across all 50 U.S. states and the District of Columbia. This extensive footprint enables VALIC to deliver localized services, ensuring accessibility for employer-sponsored retirement plans throughout the country. The company's client base primarily consists of participants in the , healthcare, and non-profit sectors, reflecting its focus on tax-exempt and public-service organizations. VALIC serves more than 2 million individuals across over 25,000 client groups, with a particular emphasis on retirement options such as plans for teachers and school employees. For instance, VALIC co-sponsors the AASA National Superintendent of the Year award, underscoring its longstanding ties to K-12 and community support. In healthcare and non-profits, it provides tailored solutions to organizations seeking to enhance employee financial . Over the years, VALIC has expanded its reach into diverse sectors while integrating innovations to improve client . Enhancements to its participant experience and mobile app allow for seamless plan access, enrollment, and management, promoting greater participation rates among its client demographics. As of March 31, 2025, , VALIC's parent company, manages over $400 billion in assets under management and administration. This growth aligns with broader trends in services, enabling VALIC to support its clients nationwide with evolving tools for plan administration and participant education.

Legal and Regulatory Matters

In 2020, the U.S. charged VALIC Financial Advisors, Inc. (VFA), a of VALIC, with failing to conflicts of interest arising from revenue-sharing payments in managing and 457(b) s for teachers and other public sector employees. The SEC alleged that VFA received undisclosed 12b-1 fees and revenue-sharing from investments in these plans, generating millions in benefits without proper to plan fiduciaries, violating the Investment Advisers Act of 1940. VFA settled the charges by paying $40 million in penalties and , and agreed to remediation efforts including reimbursing affected plans and enhancing practices. This action highlighted regulatory concerns over hidden compensation in advising, prompting broader SEC scrutiny of similar practices in the industry. Between 2021 and 2023, VALIC faced ERISA litigation exemplified by the class-action lawsuit D.L. Markham, DDS, 401(k) Plan v. Variable Annuity Life Insurance Co. (VALIC), which alleged violations of the Employee Retirement Income Security Act (ERISA) through prohibited transactions and fiduciary breaches. Plaintiffs claimed that when plans transferred assets out of VALIC's platform to new providers, VALIC imposed surrender fees—such as $20,703 in the Markham case—constituting impermissible self-dealing under ERISA Sections 406(a)(1)(A) and (D). A U.S. District Court in Texas dismissed the case in October 2022, ruling the fee collection was a contractual enforcement rather than a fiduciary act, and the Fifth Circuit Court of Appeals affirmed the dismissal in December 2023. The U.S. Supreme Court denied certiorari in May 2024. The resolution limited financial impact on VALIC but underscored ongoing debates over fee structures in ERISA-governed retirement plans. During the , VALIC encountered multiple class-action lawsuits alleging misleading of within tax-deferred accounts, claiming redundant tax benefits that provided no additional value to investors. In cases like Hall v. Variable Life Insurance Co. (2012), plaintiffs argued that VALIC's agents misrepresented the tax-deferral features of variable annuities when placed inside already tax-deferred plans, leading to unnecessary fees without enhanced benefits. Similar suits, including a 2010 action by teachers, accused VALIC of failing to disclose this redundancy, resulting in settlements totaling millions to affected participants and plan sponsors. These resolutions required VALIC to implement improved and disclosures, influencing standards for in qualified retirement accounts. In 2021, the settled with VALIC Financial Advisors for $350,000 over inadequate supervisory procedures for variable annuity exchanges between 2017 and 2019. FINRA found that VALIC failed to monitor exchange rates or review transactions for suitability, potentially leading to unsuitable recommendations for clients seeking liquidity or better terms. As part of the settlement, VALIC neither admitted nor denied the findings but committed to enhanced compliance measures, including automated surveillance systems and training on annuity replacement rules under FINRA Rule 2330. This enforcement action reflected heightened regulatory focus on variable annuities, contributing to operational adjustments at VALIC to mitigate risks of future violations.

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