• Guaranteed Minimum Death Benefit (GMDB) - With the GMDB rider, your coverage is guaranteed not to lapse regardless of market performance, as long as you pay minimum premiums to guarantee the death benefit. This rider also allows you to select the number of years for the death benefit guarantee. There is a cost associated with this rider and that cost will be deducted from the accumulation value of the policy. This rider is not available with death benefit option 3.
• GMDB rider automatic adjustment feature. This feature captures the upside potential of market performance³ and may result in extending the GMDB period or lowering future required premiums.
• Accidental Death Benefit Rider - Pays an additional death benefit up to $200,000 if the insured’s death is accidental.
• Waiver of Monthly Deduction 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 Rider - 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 Rider - 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 at issue) of the person insured under the policy. It can be converted into any other insurance (except term) available for conversion.
• 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.
• Maturity Extension Provision⁴ - Allows you to extend the maturity date of the policy and guarantee the death benefit. This provision is part of the policy, with no additional charge.
• Overloan Protection Rider - 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.

¹ Guarantees are subject to the claims-paying ability of American General Life Insurance Company
² 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.
³ There is the risk that your investment options will not increase in value, and the automatic adjustment feature will provide no benefit.
⁴ The tax consequences of extending of the maturity date beyond the age 121 termination date of the 2001 CSO Mortality Table are unclear. Policy owners should consult a qualified tax advisor before electing this option.