I had left my employer 2 yrs ago. I had invested in a VALIC 403B. As I am 62 yrs old I am entitled to withdraw from this account. Well...a month ago I submitted a form for cash distribution. I was told it would be 3-5 days till my funds would be deposited. What a joke! I called 4 times and was told 4 different stories. I then called my snake of a financial advisor ..no response. I then emailed him..no response. My only option is to either confer with my lawyer or call my Vanguard advisor to be able to access my funds. DO NOT CHOSE VALIC FOR ANY FORM OF FINANCIAL FUND. You will be sorry..I know I am.