• Monthly Guarantee Premium for the First 20 Years - Very competitive minimum premiums for lapse protection during the first 20 policy years. Included at no additional charge.
• Monthly Guarantee Premium to Age 100 - Ensures that the policy will not lapse before the policy anniversary nearest the insured's 100th birthday, if rider conditions are met. There is an additional charge for this rider.
• Overloan Protection - When a VUL policy funds future financial needs with policy loans, this rider can provide a valuable benefit. When certain conditions are met, this rider can prevent your policy from lapsing because of loan indebtedness, thereby preventing you from receiving a potentially large tax bill.
• Guaranteed Minimum Withdrawal Benefit - This rider provides you with a guaranteed stream of income available 10 years after the policy issue date or age 65, whichever comes first. There is an additional charge for this rider.
• Enhanced Early Cash Value Term - Attaching this rider can increase early year cash values. There is an additional charge for this rider.
• No Tobacco Use Incentive Program - Allows tobacco users to receive Standard Nontobacco rates for the first three years of the policy. If, before the end of the third policy year, the owner provides evidence the insured has quit tobacco use and a satisfactory health statement, these rates will continue.

Additional Optional Riders That Add Flexibility

• Maturity Extension - Both the Accumulation Value version and the Death Benefit version extend coverage past the original maturity date of age 100.⁴
• Accidental Death Benefit - Pays an additional death benefit of up to $200,000 if the insured's death is accidental.
• Waiver of Monthly Deduction - This rider provides a waiver of all monthly charges assessed for both your policy and any riders should you become totally disabled. Please note that this rider can only be purchased at the time the policy is issued.
• Terminal Illness - Provides an accelerated death benefit if the insured is diagnosed with a terminal illness and has less than 12 months to live.
• Spouse/Other Insured Term - Provides term insurance on the insured's spouse, up to two times the base policy's death benefit. It can be converted into any other insurance (except term) available for conversion.
• Children's Insurance Benefit - Provides term life insurance coverage on the eligible children (dependent, up to age 19) of the person insured under the policy. It can be converted into any other insurance (except term) available for conversion.

¹ Guarantees are subject to the claims paying ability of American General Life Insurance Company.
² Withdrawals in excess of your basis are taxable. Partial withdrawals and outstanding loans will reduce your death benefit and the cash value available to pay your insurance costs. Limitations apply to tax-neutral transfer privileges. Policy loans require an intent to repay. Otherwise, adverse federal income tax consequences may result including a 10 percent penalty for premature withdrawals. Consult your tax advisor. See the policy prospectus for complete terms and costs.
³ Not all riders are available in all states. There may be a charge for each rider you select. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.
⁴ Policies may be subject to tax consequences when continued beyond the maturity date. The policy may not qualify as life insurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option.

Policies issued by:
American General Life Insurance Company
A subsidiary of American International Group, Inc. (AIG)
2727-A Allen Parkway, Houston, TX 77019