AIG Retirement Customer Service — Expert Guide for Clients

Overview: what AIG Retirement customer service handles and why it matters

AIG (American International Group) has provided life insurance and retirement products since 1919; its retirement business historically handled annuities, certificate-of-deposit style products inside qualified plans, and employer-sponsored plan services. In practice, “AIG Retirement customer service” refers to the teams that manage account maintenance (beneficiary changes, address updates), distributions and annuity payments, contract servicing (surrender requests, systematic withdrawals), and claims processing for death benefits. Accurate, timely customer-service interactions are essential because retirement transactions trigger taxable events, possible surrender charges, and regulatory timelines.

Over the last decade the retirement business has undergone corporate restructuring (notably the formation and rebranding activity around Corebridge Financial in 2022–2023 for portions of the business). Whether your contract is still administered under AIG brand names or has been transitioned, customer service remains the primary channel to confirm account-specific details such as fees, contract dates, guaranteed minimums, and payout schedules. Always confirm the legal entity shown on your most recent account statement before initiating a transaction.

How to contact AIG Retirement customer service — channels and practical tips

Start with the documentation you already have: the contract/statement will list the specific servicing phone number, mailing address and online portal for your product. If you do not have a statement, AIG corporate headquarters is located at 175 Water Street, New York, NY 10038 and the AIG corporate switchboard is (212) 770-7000. The company’s consumer and product information is available at https://www.aig.com — from there use the “Retirement” or “Contact Us” links to find product-specific phone numbers and secure message options.

Typical contact channels are (1) secure online account access for statements and e-sign forms, (2) phone support for live transactions and questions, (3) postal mail for original wet-signature forms or documents requiring notarization or a medallion signature guarantee, and (4) in some cases dedicated relationship teams for institutional or employer plan clients. For speed on routine requests (address change, beneficiary update, beneficiary form submission) use the secure portal; for tax or distribution questions call the servicing number on your statement so an agent can access your contract ID in real time.

Common services, processes and expected timelines

AIG retirement customer service commonly supports: beneficiary updates, required minimum distributions (RMDs) processing, annuity income start/stop and payment-method changes, rollovers and transfers, surrender and withdrawal processing, and death benefit claims. Operational timelines vary by request type: electronic funds transfers (ACH) are usually 1–3 business days after approval, mailed checks often take 7–14 business days, and full contract surrenders or death claims often require document review and can take 15–45 business days depending on complexity and supporting documentation.

When you request a distribution or a rollover, expect the agent to verify identity, confirm tax election (see below), and request original forms if the transaction exceeds certain thresholds or if the payee is not the contract owner. For death claims you will be asked for a certified death certificate, beneficiary ID, and an original policy/contract number; statutory timelines for claim resolution vary by state but insurers commonly acknowledge receipt within 7–10 business days and resolve straightforward claims within 30–45 days.

What to have ready (high-value checklist)

• Contract/account number and most recent statement (this identifies the servicing entity and plan type).
• Personal ID (driver’s license or passport), Social Security number, and date of birth for verification.
• Routing and bank account number for ACH transfers; if a transfer requires an intermediary, have the receiving custodian’s DDA and transfer instructions.
• Beneficiary designation form (signed), medallion signature guarantee if transferring securities in-kind, and a certified death certificate for claims.
• Tax documentation: completed IRS withholding form or clear rollover instructions; review whether your distribution is taxable before you finalize elections.

Fees, surrender charges, taxes and rollover specifics

Many AIG annuity contracts include surrender charges that decline each contract year; typical declining schedules are 7–10% in year one, decreasing to 0% over 5–10 years, but the exact schedule is contract-specific. There are also administrative fees and mortality & expense (M&E) charges that can be 0.5%–1.5% annually depending on the product. Before surrendering or withdrawing, ask the agent to provide a “crystal-clear” illustration showing the net proceeds after surrender charges and fees.

Taxation: distributions from non-Roth (pre-tax) retirement accounts are ordinary income and may be subject to a 10% early withdrawal penalty if the owner is under age 59½, unless an IRS exception applies. Note that the IRS requires mandatory 20% federal withholding on eligible rollover distributions that are not directly rolled over to another qualified plan unless you elect otherwise and the rules for periodic payments differ. Always consult your tax advisor and request a written tax withholding confirmation from AIG customer service before completing a taxable distribution.

Escalation, complaint resolution and regulatory options

If the frontline agent cannot resolve your issue to your satisfaction, request escalation to a supervisor and ask for a reference number and expected resolution date. AIG should provide an internal complaint or appeals process; document dates, names, and ticket numbers. If internal escalation fails, you may contact the state insurance regulator where the contract is domiciled or the National Association of Insurance Commissioners (NAIC) at https://www.naic.org for consumer complaint filing guidance.

Preserve copies of all correspondence and take screenshots of portal confirmations. For complex disputes (e.g., alleged mis-sold annuities or calculation disagreements), consider engaging an independent actuary or an attorney who specializes in insurance and ERISA matters; timely action is important because contractual and statutory deadlines can be measured in months, not years.

How do I check my retirement plan?

An AI Overview is not available for this searchCan’t generate an AI overview right now. Try again later.AI Overview To determine your retirement plan type, you can check your pay stubs, retirement plan documents, or contact your employer or plan administrator. Common retirement plans include 401(k)s, 403(b)s, IRAs, and defined benefit plans.  Here’s a more detailed breakdown: 1. Review your pay stub:

• Look for a section indicating retirement plan contributions, such as 401(k) or 403(b).
• Box 13 on your W-2 form may also indicate if you are covered by an employer’s retirement plan, according to the IRS. 

2. Check your plan documents:

• When you enrolled in a retirement plan, you should have received documentation outlining the plan’s details. 
• Review the Summary Plan Description (SPD) provided by your employer or plan administrator, according to the U.S. Department of Labor. 
• This document will specify whether it’s a 401(k), 403(b), IRA, or another type of plan. 
• It should also indicate if it’s a traditional or Roth version (for 401(k)s and IRAs). 

3. Contact your employer or plan administrator: 

• If you’re unsure about your plan type, contact your HR department or the company’s retirement plan administrator, according to the U.S. Department of Labor. 
• They can provide you with information about your specific plan and its details. 
• If you’ve left a job, you can still contact the former employer’s plan administrator or the Pension Benefit Guaranty Corporation (PBGC), says the U.S. Department of Labor. 

4. Common retirement plan types:

• 401(k): . Opens in new tabA workplace retirement plan where employees can contribute pre-tax or after-tax dollars, and employers may also contribute. 
• 403(b): . Opens in new tabSimilar to a 401(k) but offered by public schools and certain tax-exempt organizations. 
• IRA: . Opens in new tabAn individual retirement account, available to anyone with earned income, and can be traditional (pre-tax contributions) or Roth (after-tax contributions). 
• Defined Benefit Plan (Pension): . Opens in new tabAn employer-sponsored plan that promises a specific monthly benefit at retirement, calculated based on factors like salary and years of service. 
• Defined Contribution Plan: . Opens in new tabA plan where contributions are made to individual accounts, such as a 401(k) or profit-sharing plan. 
• Profit-Sharing Plan: . Opens in new tabA defined contribution plan where employers can make discretionary contributions based on profits. 
• Money Purchase Plan: . Opens in new tabA defined contribution plan with fixed employer contributions. 
• SEP IRA: . Opens in new tabSimplified Employee Pension plans for self-employed individuals or small businesses, according to the IRS. 

By checking your pay stubs, reviewing plan documents, and contacting your plan administrator, you can easily identify the type of retirement plan you have. 

AI responses may include mistakes. For financial advice, consult a professional. Learn moreTypes of Retirement Plans | U.S. Department of LaborThe Employee Retirement Income Security Act (ERISA) covers two types of retirement plans: defined benefit plans and defined contri…U.S. Department of Labor401(k) plan overview | Internal Revenue ServiceTraditional 401(k) plans A traditional 401(k) plan allows eligible employees (i.e., employees eligible to participate in the plan)IRS (.gov)(function(){
(this||self).Bqpk9e=function(f,d,n,e,k,p){var g=document.getElementById(f);if(g&&(g.offsetWidth!==0||g.offsetHeight!==0)){var l=g.querySelector(“div”),h=l.querySelector(“div”),a=0;f=Math.max(l.scrollWidth-l.offsetWidth,0);if(d>0&&(h=h.children,a=h[d].offsetLeft-h[0].offsetLeft,e)){for(var m=a=0;mShow more

How do I request an AIG withdrawal?

Contact the investment company that holds your account and request a Withdrawal/Distribution Form. TIAA/Valic (AIG) will provide guidance on how to complete your request via their online portal. Once the forms are uploaded to their portal, the VU Benefits team will review and provide approval/denial.

What is AIG now called?

An AI Overview is not available for this searchCan’t generate an AI overview right now. Try again later.AI Overview AIG’s life and retirement business, formerly known as American International Group (AIG), is now called Corebridge Financial. This rebranding occurred when the business was spun off and became a separate, publicly traded company. The initial public offering for Corebridge Financial was in September 2022. 

AI responses may include mistakes. For financial advice, consult a professional. Learn moreAIG’s Evolution to ‘Corebridge’ Starting Feb. 20, 2023 – PolicygeniusFeb 13, 2023PolicygeniusAIG rebrands and spins off life & retirement business | Insurance Business AmericaMar 29, 2022Insurance Business America(function(){
(this||self).Bqpk9e=function(f,d,n,e,k,p){var g=document.getElementById(f);if(g&&(g.offsetWidth!==0||g.offsetHeight!==0)){var l=g.querySelector(“div”),h=l.querySelector(“div”),a=0;f=Math.max(l.scrollWidth-l.offsetWidth,0);if(d>0&&(h=h.children,a=h[d].offsetLeft-h[0].offsetLeft,e)){for(var m=a=0;mShow more

What happened to AIG Retirement Services?

AIG Life & Retirement is Now Corebridge Financial.

How do I contact AIG Retirement Services?

800-448-2542
For additional information about the Plans, please call AIG Retirement Services at call 800-448-2542, Monday through Friday, 7:00 a.m. to 7:00 p.m. (CT) or visit cps.aigrs.com. We appreciate the opportunity to serve your CPS Retirement Plan needs and to help you become FutureFIT®.

How do I contact AIG customer service?

Or, for more specific needs, please contact us using the options below.

1. Individuals. Private Client Select. U.S. Toll Free: +1 (877) 418-1016. AIG Travel.
2. Businesses (Brokers/Agents, Risk Managers) North America Business Lines. U.S. Toll Free: +1 (877) TO-SERVE.
3. Claims. Business Claims. U.S. Toll Free: +1 (800) 242-2418.