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*11/01/2009.
The rate is subject to change without notice.
The Vanguard Variable Annuity is issued by Monumental Life Insurance Company, Cedar Rapids, Iowa (Transamerica Financial Life Insurance Company, Purchase, New York, in New York State only).
The Vanguard Fixed Annuity—Single 5, single-premium deferred annuity (Policy Form 94-522, or state variation), is issued by Lincoln Life & Annuity Company of New York, Syracuse, NY.
Product guarantees are subject to the claims-paying ability of the issuing insurance company. The Vanguard Fixed Annuity—Single 5 is not a registered securities product. Therefore, no prospectus is necessary.
The Vanguard Lifetime Income Program annuity is a single-premium immediate annuity issued by AIG Life Insurance Company (NAIC No. 66842), Form Nos. 14EGAN403 and 16GVIA1000, and, in New York State only, by American International Life Assurance Company of New York (NAIC No. 60607), Form Nos. 24EGAN403 and 26GVIA1000, and is distributed by American General Equity Services Corporation. Policies issued by AIG Life Insurance Company and American International Life Assurance Company of New York are solely the issuing company’s individual, contractual, and financial responsibility. The Vanguard Group provides certain administrative and other services in connection with the Vanguard Lifetime Income Program. The Vanguard Group, AIG Life Insurance Company, and American International Life Assurance Company of New York do not provide tax advice. Investors are encouraged to consult a tax advisor for information on how annuity taxation applies to their individual situations.
The description of the Vanguard Lifetime Income Program annuity in this communication is a summary only. It does not include all items, conditions, and exclusions of the annuity described. Please refer to the actual contract/certificate, and, for variable annuities, the policy and fund prospectuses, for complete details of the Vanguard Lifetime Income Program annuity.
This communication must be preceded or accompanied by a current prospectus for the Vanguard Lifetime Income Program annuity. The prospectus contains more complete information, including information on charges and deductions for the Vanguard Lifetime Income Program annuity. Please read the prospectus carefully before you enroll.
As with any investment, there is risk.
Annuity guarantees are based on the claims-paying ability of the underlying insurance companies that issue the annuity. Mutual funds and variable annuities are subject to risk. This product is available in all states
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