403(b) Resource Center

Your information resource on 403(b) regulations

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403(b) Regulations Resource Center

Because AIG Retirement is a leading plan provider, you can be certain that we've studied the new regulations and identified a process for timely, successful compliance with the new regulations. We look forward to assisting you.

403(b) Regulations Effective January 1, 2009

The IRS and the Department of the Treasury issued the final 403(b) regulations in 2007. Generally, 403(b) plan sponsors are required to comply with the final regulations by January 1, 2009.

Timely and accurate compliance with 403(b) plan requirements has always been important, but perhaps never more so than today in light of the new regulations.

At AIG Retirement, we have decades of experience working with tens of thousands of plans and millions of participants -- through all facets including design, operation and regulatory audits. Our experience means that we are familiar with both the big picture and the critical details.

Solutions for Public Education

With the announcement of proposed 403(b) regulations in 2004, we made a commitment to our plan sponsors to provide a long-term solution. We are determined to provide every public 403(b) organization nationwide with access to the information and support which would enable no-cost administration of their 403(b) programs on a provider-neutral basis.

Solutions for Public Healthcare/Government/Church

Public hospitals and health care facilities, government entities and many churches have special circumstances to consider when it comes to 403(b) plans.

Solutions for Private Tax-Exempt Employers

Healthcare, private education and other tax-exempt organizations like yours deserve responsible, professional assistance in complying with the new regulations governing 403(b) plans. When the proposed regulations were announced in 2004, we took a proactive course to become the industry leader in offering our plan sponsors a long-term solution. The result is our Retirement Manager Compliance Essential, an array of tools developed to assist your organization compliance.

Important Notice about Purchasing a VALIC Annuity From Us

To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who purchases certain annuity products. What this means for you: When you purchase certain annuity products from us, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

Annuities and insurance products are offered by The Variable Annuity Life Insurance Company (VALIC), AIG Annuity Insurance Company, AIG-affiliated insurance companies or other approved companies. Each underwriting company is financially responsible for its own insurance products.

Securities and investment advisory services are offered by AIG Retirement Advisors, Inc., member FINRA, SIPC and an SEC-registered investment advisor.

AIG Retirement is the marketing name for the group of companies comprising AIG Retirement Advisors, Inc.; AIG Retirement Services Company; and The Variable Annuity Life Insurance Company (VALIC); each of which is a subsidiary of American International Group, Inc.

This information is general in nature and may be subject to change. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.