Form 497VPU VARIABLE ANNUITY LIFE
Tweet
Share
E-mailThe
Variable Annuity Life Insurance Company
Potentia®
Updating Summary Prospectus
May 1, 2026
May 1, 2026
This updating summary prospectus provides updated information about Potentia,
group fixed and variable deferred annuity contracts issued by The Variable Annuity Life Insurance Company. The prospectus for the Contract contains more information about the Contract, including its features, benefits, and risks. You can find the current prospectus and other information about the Contract online at www.corebridgefinancial.com/rs/prospectus-and-reports/annuities. You can also obtain this information at no cost by calling us at 1-800-448-2542 or by writing to our Annuity Service Center (VALIC Document Control, P.O. Box 15648, Amarillo, Texas 79105).
The contract is a complex investment and involves risks that may
cause the value of the Contract Owner’s investment to fluctuate including potential loss of principal. When the Contract is surrendered, the value may
be higher or lower than the Purchase Payments. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to
cash. Withdrawals could result in surrender charges, tax, and tax penalties, as applicable. Any amounts or obligations that we may pay are subject to our financial strength, claims-paying ability, and our long-term ability to make such payments.
The Contract is available to Participants in retirement programs that qualify
for deferral of federal income taxes. The Contracts permit Participants to invest in and receive retirement benefits in a Fixed Account Option and/or an array of Variable
Investment Options described in this prospectus.
Additional information about certain investment products, including variable annuities, has been prepared by the SEC’s staff and is available at Investor.gov.
Special Terms Used in this Summary Prospectus
| Account Value |
The total sum of your Fixed Account Option(s) and/or Variable Investment Option(s) that have not yet
been applied to your annuity payments. |
| Contract |
The group 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. |
| 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. |
| Participant |
The individual (in most cases, you) who makes Purchase Payments or for whom Purchase Payments
are made. |
| Platform Charge |
A fee we charge in order to make certain underlying Funds available as an investment option under the
Contract. |
| Portfolio Company |
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.
Also referred to as Mutual Fund or Fund. |
| Purchase Payment |
An amount of money you or your employer pay to VALIC to receive the benefits of a Contract. |
| VALIC (we, us, our) |
The Variable Annuity Life Insurance Company. |
| Variable Investment
Option (or Division) |
Any variable investment option under the Contract. Each Variable Investment Option invests in the
shares of a single Portfolio Company. |
2
Updated Information About Your Contract
The following is a
summary of certain Contract features that have changed since the prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you
entered into your Contract.
At a meeting held on April 23, 2025, the
Board of Directors (the “Board”) of VALIC Company I approved to the investment Sub-Advisory Agreement between The Variable Annuity Life Insurance Company
(“VALIC”), the Fund’s investment adviser, and T. Rowe Price Associates, Inc. (“T. Rowe Price”) and J.P. Morgan Investment Management Inc.
(“JPMorgan”) with respect to Large Capital Growth
Fund. T. Rowe Price and JPMorgan replaced Massachusetts Financial Services Company as the subadvisors to the Fund. In connection with the appointment of T. Rowe Price and JPMorgan, the Board approved a change in the Fund’s name to “Large Cap Core Fund”, along with changes to the Fund’s principal investment strategies and techniques.
At a meeting held on August 5-6, 2025 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved changes to the “Aggressive Growth Lifestyle Fund” name to “Aggressive Allocation Lifestyle Fund”, along with changes to the Fund’s principal investment strategies and techniques.
At a meeting held on August 5-6, 2025 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved changes to the “Conservative Growth Lifestyle Fund” name to “Conservative Allocation Lifestyle Fund”, along with changes to the Fund’s principal investment strategies and techniques.
At a meeting held on August 5-6, 2025 (the “Meeting”), the Board of Directors (the “Board”) of VALIC Company I approved changes to the “Moderate Growth Lifestyle Fund” name to “Moderate Allocation Lifestyle Fund”, along with changes to the Fund’s principal investment strategies and techniques.
3
Key Information
| |
FEES AND EXPENSES |
Location in
Prospectus | ||
| Are There Charges for
Early Withdrawals? |
•No. There are no surrender or withdrawal charges under
the Contract. •You may be subject to a market value adjustment if you make an
early withdrawal or transfer from the Potentia General
Account (a type of Fixed Account Option).
|
Fee Table | ||
| Are There Transaction
Charges? |
•Yes. You may be subject to a market value adjustment if
you make an early withdrawal or transfer from the Potentia
General Account (a type of Fixed Account
Option). •There may also be taxes on Purchase Payments. |
Fee Table
Charges and
Adjustments | ||
| Are There Ongoing
Fees and Expenses? |
Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment 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. |
Charges and
Adjustments | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract1 |
1.45%
|
1.45%
| ||
| Portfolio Company fees and
expenses2 |
0.21% |
1.02% | ||
| 1 As a percentage of average daily net asset value allocated to a Variable
Investment Option.
2 As a percentage of Portfolio Company net assets, plus any applicable
amounts deemed to be Platform Charges. Currently, there are no amounts
deemed to be Platform Charges. |
||||
| 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. | ||||
| Lowest Annual Cost: $1,688 |
Highest Annual Cost: $2,501 | |||
| Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive combination of Contract Classes and Portfolio Company fees and expenses •No optional benefits
•No sales charge or advisory fee •No additional Purchase Payments,
transfers, or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of Contract Classes, optional benefits, and Portfolio Company fees and expenses •No sales charge or advisory fee
•No additional Purchase Payments, transfers, or withdrawals | |||
4
| |
RISKS |
Location in
Prospectus | ||
| Is There a Risk of Loss
from Poor
Performance? |
Yes. You can lose money by investing in this Contract, including your
principal investment. |
Principal Risks of
Investing in the
Contract | ||
| Is this a Short-Term
Investment? |
•No. This Contract is not designed for short-term
investing and is not appropriate for an investor who needs
ready access to cash. •You may be subject to a market value adjustment if you make an
early withdrawal or transfer from the Potentia General
Account (a type of Fixed Account Option).
•The benefits of tax deferral and long-term income mean the Contract is
generally more beneficial to investors with a long investment time
horizon. | |||
| What Are the 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 Variable Investment Option and Fixed Account Option has its own
unique risks. •You should review the Variable Investment Options and Fixed Account
Option before making an investment decision. |
|||
| What Are the Risks
Related to the
Insurance Company? |
An investment in the Contract is subject to the risks related to us,
VALIC. Any obligations (including under any Fixed Account
Options), guarantees, and benefits of the Contract are
subject to the claims-paying ability of VALIC. 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 |
| ||
| Are There Restrictions
on the Investment
Options? |
•Yes. There are restrictions that may limit the
Investment Options that you may choose as well as
limitations on the transfer of the contract among the
Investment Options. Certain Investment Options may not be available
under your Contract. •You may transfer funds between 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 Option are subject to special
restrictions. •We reserve the right to remove or substitute Portfolio Companies as
Investment Options and also reserve the right to stop accepting additional
Purchase Payments. |
Variable Investment
Options and Fixed
Account Options
Transfers Between
Investment Options | ||
| Are There Any
Restrictions on
Contract Benefits? |
•No. There are no restrictions on the benefits of this
Contract. | |||
5
| |
TAXES |
Location in
Prospectus | ||
| What Are the Contract’s
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, there is no
additional tax benefit under the Contract. •Withdrawals may be subject to ordinary income tax and may be subject to
tax penalties if you take a withdrawal before age 59 ½.
|
Taxes | ||
| |
CONFLICTS OF
INTEREST |
| ||
| How Are Investment
Professionals
Compensated? |
VALIC no longer pays commissions to investment professionals for sales or
subsequent premiums on the Contracts. In addition, the
Company and the Distributor no longer enter into marketing
and/or sales agreements with broker-dealers regarding the
promotion and marketing of the Contracts. |
Description of
Insurance Company,
Registered Separate
Account, and
Investment Options | ||
| Should I Exchange My
Contract? |
Some investment professionals may have a financial incentive to offer you
a new contract in place of the one you already own. You
should only exchange a contract you already own only if you
determine, after comparing the features, fees, and risks of
both contracts, and any fees or penalties to terminate the
existing contract, that it is preferable for you to purchase the new contract rather than continue to own your existing contract. | |||
6
Appendix A — Investment Options Available Under the Contract
If your Contract is
through certain employer-sponsored retirement plans, the availability of certain Portfolio Companies can vary based on your employer. Refer to your employer’s
retirement program documents for a list of the employer-selected Portfolio Companies available in your Contract and any limitations on the number of Portfolio Companies you
may choose. All Portfolio Companies may not be available for all plans or Contracts.
The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at www.corebridgefinancial.com/rs/prospectus-and-reports/annuities. You can also request this information at no
cost by calling 1-800-448-2542.
The current expenses and performance information below reflect fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Contract may charge, such as Platform Charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.
| Type/Investment
Objective |
Portfolio Company and Adviser/Subadviser(s)1 |
Current
Expenses |
Platform
Charge4 |
Current
Expenses
+
Platform
Charge |
Average Annual
Total Returns
(as of Dec. 31, 2025) | ||
| 1 Year |
5 Year |
10 Year
(or life of fund) | |||||
| Domestic
Large-Cap
Equity |
Capital Appreciation Fund2 Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.73% |
None |
0.73% |
14.19% |
14.69% |
15.33% |
| Growth Fund2, 3
Adviser: VALIC Sub-Advisers: BlackRock Investment
Management, LLC |
0.61% |
None |
0.61% |
14.57% |
11.57% |
15.67% | |
| Large Cap Core Fund2 Adviser: VALIC
Sub-Adviser: JPMIM and T. Rowe Price |
0.66% |
None |
0.66% |
9.81% |
10.02% |
14.27% | |
| Stock Index Fund2, 3
Adviser: VALIC Sub-Adviser: BlackRock
|
0.23% |
None |
0.23% |
17.55% |
14.08% |
14.46% | |
| Systematic Core Fund2, 3
Adviser: VALIC Sub-Adviser: Goldman Sachs Asset
Management, L.P. |
0.64% |
None |
0.64% |
14.77% |
12.45% |
13.89% | |
| Domestic Mid-
Cap Equity |
Mid Cap Index Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
0.35% |
None |
0.35% |
6.95% |
8.68% |
10.34% |
| Mid Cap Strategic Growth Fund2 Adviser: VALIC
Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.74% |
None |
0.74% |
11.34% |
7.88% |
13.56% | |
| Domestic Small-
Cap Equity |
Small Cap Growth Fund2, 3
Adviser: VALIC Sub-Advisers: American Century
Investment Management, Inc. and T. Rowe
Price Associates, Inc. |
0.88% |
None |
0.88% |
9.20% |
-2.35% |
11.01% |
| Small Cap Index Fund2, 3
Adviser: VALIC Sub-Adviser: BlackRock
|
0.38% |
None |
0.38% |
12.23% |
5.69% |
9.27% | |
| Global Equity
(International
and Domestic) |
International Socially Responsible Fund2, 3
Adviser: VALIC Sub-Adviser: BlackRock
|
0.55% |
None |
0.55% |
27.32% |
7.80% |
9.10% |
| International
Equity |
Emerging Economies Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
1.02% |
None |
1.02% |
30.11% |
4.19% |
8.04% |
| Specialty |
Science & Technology Fund2, 3
Adviser: VALIC Sub-Advisers: BlackRock, Voya |
0.91% |
None |
0.91% |
22.57% |
11.59% |
18.92% |
7
| Type/Investment
Objective |
Portfolio Company and Adviser/Subadviser(s)1 |
Current
Expenses |
Platform
Charge4 |
Current
Expenses
+
Platform
Charge |
Average Annual
Total Returns
(as of Dec. 31, 2025) | ||
| 1 Year |
5 Year |
10 Year
(or life of fund) | |||||
| Hybrid
(Equity and
Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 3
Adviser: VALIC Sub-Adviser: JPMIM |
0.54% |
None |
0.54% |
16.94% |
8.73% |
9.38% |
| Conservative Allocation Lifestyle Fund2, 3
Adviser: VALIC Sub-Adviser: JPMIM |
0.59% |
None |
0.59% |
11.79% |
4.34% |
5.85% | |
| Moderate Allocation Lifestyle Fund2, 3
Adviser: VALIC Sub-Adviser: JPMIM |
0.54% |
None |
0.54% |
14.40% |
7.01% |
8.10% | |
| Fixed Income |
Core Bond Fund2 Adviser: VALIC
Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% |
None |
0.48% |
7.64% |
-0.16% |
2.36% |
| Goldman Sachs VIT Government Money Market Fund3 –
Institutional Shares
Adviser: Goldman Sachs |
0.18% |
None |
0.18% |
4.20% |
3.18% |
2.11% | |
1 The following adviser/sub-adviser abbreviations are used in this
table:
•
BlackRock – BlackRock Investment Management, LLC
•
Goldman Sachs – Goldman Sachs Asset Management, L.P.
•
JPMIM – J.P. Morgan Investment Management Inc.
•
VALIC – The Variable Annuity Life Insurance Company
•
Voya – Voya Investment Management Co. LLC
2 A VALIC Company I Fund.
3 This Portfolio Company is subject to an expense reimbursement
or fee waiver arrangement resulting in a temporary expense reduction. See the Portfolio Company prospectus for additional information.
4 A Platform Charge may only be increased to the extent that the Base Contract Expense plus the Platform Charge does not exceed 1.25%.
Fixed Account Options
The following is a list of Fixed Account Options currently available under the
Contract. We may change the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate existing Fixed Account Options. We will
provide you with written notice before doing so.
Note: If amounts are withdrawn from a Fixed Account Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.
| Name |
Term |
Minimum Guaranteed Interest Rate |
| Potentia General Account |
1-Year |
2% |
* *
*
This summary prospectus incorporates by reference the statutory
prospectus and Statement of Additional Information (SAI) for the Contract, both dated May 1, 2026, as may be amended or supplemented from time to time. The
SAI may be obtained free of charge in the same manner as the prospectus.
EDGAR Contract Identifier: C000004710
© 2026 Corebridge Financial, Inc. All Rights Reserved.
8
Serious News for Serious Traders! Try StreetInsider.com Premium Free!
You May Also Be Interested In
- Interior Design Background Shapes Realtor's Dual-Market Approach
- Wharton Roofer Expands Services Across Morris County
- Brake Repair Services Available at Ledgewood Car Care
Create E-mail Alert Related Categories
SEC FilingsSign up for StreetInsider Free!
Receive full access to all new and archived articles, unlimited portfolio tracking, e-mail alerts, custom newswires and RSS feeds - and more!
