Business Editors

LOS ANGELES----

New Seasons Variable Annuities Are the First Tax-Deferred Vehicles
to Offer Institutional Investment Techniques to Retail Investors
Within a Fund-of-Funds Approach

AIG SunAmerica Retirement Markets, Inc. We believe it is going to change the landscape of
our industry.
Through its wealth accumulation and protection businesses, the company
provides annuities , life insurance, 401(k) and 403(b) plans, 529
college savings plans, mutual funds, managed accounts , institutional
investment and financial planning and advisory services.

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The company's business lines include
investment and cost of capital consulting and research; planning and
analysis software; wealth forecasting; educational services and a
widely used line of NASD-reviewed presentation materials . AIG's growing global consumer financial business is led in the
United States by American General Finance. AIG also has one of the
largest U.

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Parish, who holds a
bachelor's degree from Indiana University, joined Lincoln as a home
office employee in 1979 and became a producer in 1987.

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AIG
SunAmerica Retirement Markets' Seasons Select and Focused Portfolios
will serve as the underlying equity investments for the Managed
Allocation Portfolios; each of the equity Select Portfolios combines
an indexed manager with two active managers who have complementary
investment styles. AIG's common stock is listed on the New York Stock
Exchange and ArcaEx, as well as the stock exchanges in London, Paris ,
Switzerland and Tokyo.

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AIG SunAmerica Retirement Markets, Inc.

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The company's clients also include
financial planners, brokers, mutual fund firms, private bankers and
small money managers.

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The Managed Allocation Portfolios combine the asset allocation
expertise of Ibbotson Associates Advisors , LLC with the multi-managed
equity portfolios available to Seasons investors. 401(k)," October 2004 ), revealed that over the
five-year period from 1995 to 2001, the investment results of the
largest private pension plans outpaced those of individual 401(k)
participants by 1% a year - a difference that compounded over 30 years
could produce dramatic differences in retirement income.

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AIG
member companies serve commercial, institutional and individual
customers through the most extensive worldwide property-casualty and
life insurance networks of any insurer.
AIG's global businesses also include financial services, retirement
services and asset management.

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today announced that it
has entered into an agreement with Ibbotson Associates Advisors, LLC
to introduce a new group of annuity-based investment options. "These new
fund-of-funds portfolios incorporate institutional investment
techniques designed to produce the long-term returns for a given level
of risk. 31, 2004.

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The new
Seasons family of variable annuities offers retail investors a
tax-deferred vehicle that incorporates the disciplined investing
techniques of America's largest institutions within a fund-of-funds
approach . "We
concentrate on meeting the retirement saving needs of nearly 12,000
individuals in employer -sponsored retirement plans with dependable
service, and we treat them with respect, honesty and integrity .

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Based in Indiana and affiliated with Lincoln's employer
retirement market field force in the Midwest Region, Parish is a
registered representative of Lincoln Financial Advisors Corp. He helps coordinate enrollment, implementation, ongoing service
and investment education for employer-sponsored retirement plans.

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AIG SunAmerica Announces Agreement with Ibbotson Associates Advisors LLC To Offer Four New Fund -of-Funds Investment Options

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AIG SunAmerica Retirement Market's new Managed Allocation
Portfolios in the Seasons variable annuities are designed to bring
institutional investment techniques to retail investors. which
comprise the AIG SunAmerica life companies, one of the largest issuers
of fixed and variable annuities through a national distribution
network of registered representatives, independent broker-dealers,
securities firms, banks and insurance agencies.

Business Editors

FORT WAYNE, Ind.

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is a financial services
company specializing in retirement strategies. The company provides
nearly seven million Americans with retirement savings and investment
products from subsidiaries of AIG Retirement Services, Inc.

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Ibbotson will also serve as the subadvisor to a
fund-of-funds in a variable annuity. "The innovative design, modeled on the investment
strategies successfully employed for decades by large institutional
investors, delivers a broadly diversified portfolio that represents a
disciplined approach to investing and eliminates short-term, emotional
performance-chasing.

The Focused Portfolios incorporate a concentrated,
multi-managed approach that combines the ten best stock picks of each
of three separate and distinct managers.
This is the second straight year Parish has earned top producer
honors, and the third time in his career. With headquarters in
Philadelphia and employer market operations based in Fort Wayne,
Lincoln Financial Group had consolidated assets of $116 billion and
had annual consolidated revenues of $5.

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With offices
in Chicago, New York and Tokyo, Ibbotson Associates provides
integrated investment knowledge, leading-edge technology ,
multi-conceptual education and a variety of sales presentation
solutions."
Parish was recognized for his outstanding efforts in sales and
retention, contributing to Lincoln's 7% increase in annuity deposits
and 24% increase in mutual fund deposits in employer markets last
year.

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These equity
portfolios, which incorporate a number of complementary passive and
active investing techniques and styles, will be allocated by Ibbotson
in different combinations to each of the four Managed Allocation
Portfolios, producing four fund-of-funds with distinct sets of risk
and reward characteristics . Ibbotson Associates, founded by Professor Roger
Ibbotson in 1977, is a leading authority on asset allocation,
providing products and services to help investment professionals
obtain, manage and retain assets.S.

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"
"We have always advocated an investment approach that eliminates
the emotion of the moment and replaces it with disciplined
decision-making techniques that have stood the test of time," said
Michael Henkel, President of Ibbotson Associates Advisors. (AIG) is the world 's leading
international insurance and financial services organization, with
operations in approximately 130 countries and jurisdictions.
"We keep it simple," Parish said on behalf of his team.

Free advice or information related to retirement planning is best found in Home/Consumers/Consumer_Education /Financial/

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Ibbotson Associates Advisors, LLC is a wholly owned subsidiary of
Ibbotson Associates . In the United States, AIG
companies are the largest underwriters of commercial and industrial
insurance , and AIG American General is a top-ranked life insurer., a
broker/dealer.
Lincoln Financial Group is the marketing name for Lincoln National
Corporation (NYSE:LNC) and its affiliates.

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retirement services businesses through AIG SunAmerica and
AIG VALIC, and is a leader in asset management for the individual and
institutional markets, with specialized investment management
capabilities in equities, fixed income, alternative investments and
real estate. He also has earned nearly 20
other awards for annual sales achievements.

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American International Group, Inc. AIG's financial services businesses
include aircraft leasing, financial products, trading and market
making.

Businesses which sell retirement planning services or products to individuals.

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"
A recent study by employee benefits firm Watson Wyatt Worldwide
("Defined Benefit vs.

David Parish Named Lincoln's 2004 Producer of the Year

4 billion as of Dec.

'Get Rich Quick' or 'Secrets to Retirement Riches' or similar entries are not likely to be listed.

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AIG SunAmerica's Seasons Variable Annuities feature four new
Managed Allocation Portfolios that provide investors with the benefits
of multiple layers of diversification - asset class, investment style
and individual money management talent - along with the disciplined
practices of strategic asset allocation and regular portfolio
monitoring and rebalancing.
"AIG SunAmerica's four new Managed Allocation Portfolios represent
a solid investment choice for many individuals preparing for
retirement," said Jana Waring Greer, President, AIG SunAmerica
Retirement Markets.----Lincoln
National Corporation (NYSE:LNC), the parent of the Lincoln Financial
Group of companies, today announced that David Parish has been named
Lincoln Financial Group's 2004 Fringe Benefit Division Producer of the
Year.

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Ibbotson markets its integrated product line of investment
analytical tools and services to institutional money managers, plan
sponsors and consultants for quantitative analysis, high-level
decision-making and presentations.