AIG Sample Illustrations for Critical, Chronic & Terminal Illness Benefits

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QoL Max Accumulator+An Individual Fixed Index Interest Flexible Premium Adjustable Life Insurance Policy Life Insurance Policy Illustration

Designed forMrs. VCClient State: ID

Presented byLee Rogers WA

Date PreparedJune 17, 2016

Issued by:

American General Life InsuranceCompany2727-A Allen ParkwayHouston, TX 77019

Please read your illustration carefully. It is designed to aid your understanding of the policy bydemonstrating how policy benefits and premiums are affected under different assumptions. Thisillustration is not a contract and is not intended to predict actual performance.

This information may be subject to change, and does not constitute legal, tax or accounting advicefrom American General Life Insurance Company (AGL), its employees, financial professionals orother representatives. Applicable laws and regulations are complex and subject to change. Any taxstatements in this material are not intended to suggest the avoidance of U.S. federal, state or localtax penalties. For advice concerning your individual circumstances, consult your attorney, tax advisoror accountant.

Issuing insurance company AGL is a member of American International Group, Inc. (AIG). Guaranteesare backed by the claims-paying ability of the issuing insurance company.

(Form ICC15-15646)

This illustration is not a contract and is not intended to predict actual performance. It is not complete unless all pages are included.June 17, 2016 FCU500.000 FCP10,070.00 RD092613 / Winflex Web / Rev. 042016 / Rel. 2016.4.5 Page 1 of 42


TABLE OF CONTENTS (For Basic Illustration)

Your Policy Highlights.......................................................................................................................................................................... Page 3

Your QoL Selectchoice II Accelerated Death Benefit Riders Summary............................................................................................... Page 4

Your QoL Select Choice II Critical Illness Accelerated Death Benefit........................................................................................ Page 4

Your QoL Select Choice II Chronic Illness Accelerated Death Benefit...................................................................................... Page 5

Your QoL Select Choice II Terminal Illness Accelerated Death Benefit..................................................................................... Page 5

Your Narrative Summary................................................................................................................................................................... Page 11

Life Insurance Illustration Summary........................................................................................................................................ Page 11

Policy Coverage Summary ...................................................................................................................................................... Page 11

Important Information About Your Illustration........................................................................................................................... Page 12

Your Accumulation Strategies.................................................................................................................................................. Page 13

Interest Crediting............................................................................................................................................................... Page 13

Historical Graphs ............................................................................................................................................................... Page 15

Min/Average/Max Historical Performance......................................................................................................................... Page 16

Historical Index Table........................................................................................................................................................ Page 17

Your Distribution Options......................................................................................................................................................... Page 18

Policy Loans...................................................................................................................................................................... Page 18

Your Income for Life Rider................................................................................................................................................. Page 19

Your Policy Features and Riders............................................................................................................................................. Page 20

Key Terms And Definitions....................................................................................................................................................... Page 21

Your Numeric Summary (Signature Page)........................................................................................................................................ Page 24

Your Tabular Detail ............................................................................................................................................................................ Page 25

Illustration Assumptions For Non-Guaranteed Interest Rates........................................................................................................... Page 30

Your Policy Mechanics ...................................................................................................................................................................... Page 31

Your Transaction Charges And Expenses......................................................................................................................................... Page 31

Tax And Compliance.......................................................................................................................................................................... Page 32

Additional Information Regarding Your QoL SelectChoice II Accelerated Benefit Riders................................................................. Page 35

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QoL Max Accumulator+Mrs. VCFemale; Age: 49; Preferred Non-Tobacco; IDInitial Death Benefit: $500,000; Level

ALLOCATIONBlend Participation Rate Acct (Utilizing ML Strategic Balanced Index): 50.00%High Cap Rate Acct (Utilizing S&P 500 Index): 50.00%

YOUR POLICY HIGHLIGHTSYour QoL Max Accumulator+ is an Individual Fixed Index Interest Flexible Premium Adjustable Life Insurance policy. Since it is a life insurancepolicy, your beneficiaries may receive a tax-free death benefit1 upon the insured's death, helping to protect your loved ones against financialuncertainty.

In addition to providing valuable life insurance protection, QoL Max Accumulator+ offers potential opportunities for you to receive benefits whileliving. These living benefits may be accessed through several means:

• Distributions via policy loans and withdrawals - Your cash accumulation can grow on a tax-deferred basis and you can potentiallyaccess it tax-free1 for any purpose, such as supplementing retirement income or helping with education funding.

• Distributions via a guaranteed income rider - With the Income for Life Rider2, you may receive a guaranteed annual stream ofincome upon exercise of the rider.

• Benefits via a chronic illness accelerated death benefit rider - With the Accelerated Access Solution® (AAS) rider, you mayreceive benefits in the event of a qualifying chronic illness.

1Based on current tax laws. Death benefit may not always qualify as tax-free. See the Tax and Compliance section.2Based on the factors used by the Company, it is possible that no benefit would be available under the rider. A one-time fee will apply when therider is exercised. See the Income for Life Rider section.3Initial planned premium.4Assumes initial distribution amount at age 66 for 36 years. See Tabular Detail section.


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YOUR QoL SELECTCHOICE II ACCELERATED DEATH BENEFIT RIDERS SUMMARYThe QoL SelectChoice II Accelerated Death Benefit Riders for Critical, Chronic and Terminal Illness are three valuable riders automaticallyincluded in your policy at no additional cost that allow you to access all or a portion of your QoL Max Accumulator+ policy death benefit if youhave a qualifying critical, chronic or terminal illness or condition. Each accelerated death benefit rider may be subject to requirements andlimitations not specifically described in this quotation. See each rider for additional terms, conditions, and limitations.

The QoL SelectChoice II Accelerated Death Benefit Riders allow you to receive a portion of the death benefit under the policy, during yourlifetime, upon submission of required documentation regarding a qualifying event. The death benefit that you elect to accelerate will be paid ata discounted amount because it is being paid prior to the actual time of death. However, the accelerated death benefit you receive will not beless than the guaranteed minimum benefit based on different categories of illnesses, subject to the terms and conditions of the rider.

The following are hypothetical examples of benefits that you may receive from the QoL SelectChoice II Accelerated Death Benefit Riders fordifferent types of illnesses if you file a claim to accelerate the full death benefit of your policy for a qualifying illness or event. The hypotheticalamounts shown assume that no policy premiums are unpaid and that there is no loan balance. Amounts do not reflect any applicable administrativecharge. Also, if you choose to elect less than your policy's full death benefit, the actual payment will be lower than the examples provided below,but your policy's remaining death benefit will be higher.

Please see the rider description section of this quotation for the definitions of these qualifying illnesses or conditions and for additional ImportantConsiderations and Disclosures.

QoL SELECTCHOICE II CRITICAL ILLNESS ACCELERATED DEATH BENEFIT

The values below represent the guaranteed minimum benefit and the potential benefit payout for a hypothetical example* when a claim is filedat the estimated age below to accelerate the full initial death benefit of the policy as a lump sum payment for a qualifying critical illness (MajorHeart Attack, Coronary Artery Bypass, Stroke, Invasive Cancer, Major Organ Transplant, End Stage Renal Failure, Paralysis, Coma, SevereBurn). For a qualifying critical illness, the actual benefit paid will never be less than the guaranteed minimum benefit (Minimum AcceleratedBenefit Amount) calculated using the applicable percentages on the Minimum Accelerated Benefit Percentage page of the Rider Schedule.

*The hypothetical example shown assumes that the policy is issued with a life insurance benefit of $500,000 on a female, age 45, StandardNon-Tobacco. Hypothetical amounts shown assume that no policy premiums are unpaid and that there is no loan balance. The potential benefitpayouts were calculated using assumptions that are not guaranteed and may be changed at any time. Actual payouts may be more or lessfavorable.


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QoL SELECTCHOICE II CHRONIC ILLNESS ACCELERATED DEATH BENEFITThe values below represent the guaranteed minimum benefit and the potential benefit payout for a hypothetical example* when a claim is filedat the estimated age below to accelerate the full initial death benefit of the policy as a lump sum payment for a qualifying chronic illness. Youcan also choose to receive your benefit on an annual or monthly basis. For a qualifying chronic illness, the actual benefit paid will never be lessthan the values shown in the guaranteed minimum benefit.


QoL SELECTCHOICE II TERMINAL ILLNESS ACCELERATED DEATH BENEFIT

The values below represent the guaranteed minimum benefit and the potential benefit payment for a hypothetical example* when a claim isfiled at the estimated age below to accelerate the full initial death benefit of the policy as a lump sum payment for a qualifying terminal illness.



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Supplemental Illustration: Non-Guaranteed Policy ValuesFor guaranteed elements and other important information, please see the Basic Illustration.

Maximum Non-Guaranteed Crediting Rate

Initial Annual Premium:Premium Mode:

$10,218.00Annual

Blend Participation Rate Account (Utilizing MLSB Index): 7.38%High Cap Rate Account (Utilizing S&P 500 Index): 7.47%

Current Account Value Enhancement1 0.65%Current Account Value Enhancement1 0.25%

For Current Non-Guaranteed Hypothetical Rates, see Illustration Assumptions for Non-Guaranteed Interest Rates section.

Year Age Premium Outlay2 Net Outlay Accumulation Value Cash SurrenderValue Death Benefit Cash Surrender

Value IRR Death Benefit IRR

1 50 10,218 10,218 7,207 0 500,000 0.00% 4,793.33%

2 51 10,218 10,218 14,965 0 500,000 0.00% 551.31%

3 52 10,218 10,218 23,317 6,317 500,000 0.00% 227.01%

4 53 10,218 10,218 32,308 15,808 500,000 0.00% 131.69%

5 54 10,218 10,218 41,987 25,987 500,000 0.00% 88.85%

Subtotal 51,090 51,090

6 55 10,218 10,218 52,643 36,643 500,000 0.00% 65.17%

7 56 10,218 10,218 64,165 50,165 500,000 0.00% 50.38%

8 57 10,218 10,218 76,626 64,626 500,000 0.00% 40.37%

9 58 10,218 10,218 90,100 79,600 500,000 0.00% 33.20%

10 59 10,218 10,218 104,671 96,171 500,000 0.00% 27.84%

Subtotal 102,180 102,180

11 60 10,218 10,218 120,594 113,594 500,000 0.18% 23.70%

12 61 10,216 10,216 137,811 132,811 500,000 1.22% 20.42%

13 62 10,218 10,218 156,431 152,931 500,000 2.00% 17.77%

14 63 10,218 10,218 176,490 174,990 500,000 2.65% 15.59%

15 64 10,218 10,218 198,110 198,110 500,000 3.14% 13.77%

Subtotal 153,268 153,268

16 65 10,218 10,218 222,536 222,536 500,000 3.54% 12.22%

L 17 66 0 -23,239 239,004 215,141 476,137 3.92% 11.16%

L 18 67 0 -23,239 256,554 207,635 451,081 4.23% 10.29%

L 19 68 0 -23,239 275,254 200,027 424,773 4.48% 9.55%

L - Policy Loans; W - Policy Withdrawals1 Account Value Enhancement (AVE) begins after policy year 5. The AVE provides additional interest for the Cash Value. For additional details, see the policy.2 A zero in the Premium Outlay column does not mean the policy is paid up. Charges are deducted from the Accumulation Value as long as the policy remains in force. Depending upon actual results, the Ownermay need to continue or increase premium payments.


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$10,218.00Annual






L 20 69 0 -23,239 295,180 192,330 397,151 4.70% 8.91%

Subtotal 163,486 70,532

L 21 70 0 -23,239 316,636 184,783 368,147 4.90% 8.36%

L 22 71 0 -23,239 339,533 177,227 337,694 5.07% 7.87%

L 23 72 0 -23,239 363,992 169,711 305,719 5.23% 7.44%

L 24 73 0 -23,239 390,154 162,300 272,146 5.38% 7.05%

L 25 74 0 -23,239 418,188 155,083 236,896 5.52% 6.68%

Subtotal 163,486 -45,661

L 26 75 0 -23,239 448,323 148,206 199,883 5.65% 6.35%

L 27 76 0 -23,239 480,792 141,812 165,852 5.78% 6.09%

L 28 77 0 -23,239 515,806 136,022 161,812 5.91% 6.20%

L 29 78 0 -23,239 553,231 130,602 158,264 6.03% 6.31%

L 30 79 0 -23,239 593,233 125,618 155,280 6.15% 6.42%

Subtotal 163,486 -161,854

L 31 80 0 -23,239 635,990 121,141 152,941 6.26% 6.52%

L 32 81 0 -23,239 681,693 117,250 151,334 6.36% 6.62%

L 33 82 0 -23,239 730,529 114,012 150,539 6.46% 6.71%

L 34 83 0 -23,239 782,708 111,516 150,651 6.56% 6.80%

L 35 84 0 -23,239 838,447 109,846 151,768 6.65% 6.89%

Subtotal 163,486 -278,047

L 36 85 0 -23,239 897,968 109,089 153,988 6.74% 6.97%

L 37 86 0 -23,239 961,474 109,305 157,379 6.83% 7.05%



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$10,218.00Annual






L 38 87 0 -23,239 1,029,189 110,566 162,026 6.91% 7.12%

L 39 88 0 -23,239 1,101,335 112,937 168,004 6.98% 7.19%

L 40 89 0 -23,239 1,178,144 116,484 175,392 7.06% 7.25%

Subtotal 163,486 -394,240

L 41 90 0 -23,239 1,259,835 121,251 184,243 7.13% 7.32%

L 42 91 0 -23,239 1,346,622 127,271 194,602 7.19% 7.38%

L 43 92 0 -23,239 1,439,810 135,654 193,246 7.25% 7.40%

L 44 93 0 -23,239 1,540,140 146,940 193,144 7.32% 7.42%

L 45 94 0 -23,239 1,648,545 161,851 194,822 7.38% 7.45%

Subtotal 163,486 -510,433

L 46 95 0 -23,239 1,766,127 181,267 198,928 7.44% 7.47%

L 47 96 0 -23,239 1,893,884 205,951 205,951 7.50% 7.50%

L 48 97 0 -23,239 2,030,989 234,832 234,832 7.56% 7.56%

L 49 98 0 -23,239 2,178,144 268,353 268,353 7.62% 7.62%

L 50 99 0 -23,239 2,336,104 307,001 307,001 7.67% 7.67%

Subtotal 163,486 -626,626

L 51 100 0 -23,239 2,505,683 351,304 351,304 7.73% 7.73%

L 52 101 0 -23,239 2,687,757 401,842 401,842 7.77% 7.77%

L 53 102 0 0 2,883,363 483,200 483,200 7.82% 7.82%

L 54 103 0 0 3,093,608 573,487 573,487 7.86% 7.86%

L 55 104 0 0 3,319,611 673,537 673,537 7.90% 7.90%

Subtotal 163,486 -673,103



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$10,218.00Annual






L 56 105 0 0 3,562,575 784,253 784,253 7.94% 7.94%

L 57 106 0 0 3,823,797 906,617 906,617 7.98% 7.98%

L 58 107 0 0 4,104,675 1,041,698 1,041,698 8.01% 8.01%

L 59 108 0 0 4,406,715 1,190,652 1,190,652 8.04% 8.04%

L 60 109 0 0 4,731,538 1,354,740 1,354,740 8.07% 8.07%

Subtotal 163,486 -673,103

L 61 110 0 0 5,080,894 1,535,327 1,535,327 8.09% 8.09%

L 62 111 0 0 5,456,666 1,733,895 1,733,895 8.13% 8.13%

L 63 112 0 0 5,860,886 1,952,054 1,952,054 8.15% 8.15%

L 64 113 0 0 6,295,741 2,191,550 2,191,550 8.17% 8.17%

L 65 114 0 0 6,763,590 2,454,276 2,454,276 8.19% 8.19%

Subtotal 163,486 -673,103

L 66 115 0 0 7,266,976 2,742,287 2,742,287 8.21% 8.21%

L 67 116 0 0 7,808,639 3,057,810 3,057,810 8.23% 8.23%

L 68 117 0 0 8,391,532 3,403,261 3,403,261 8.25% 8.25%

L 69 118 0 0 9,018,838 3,781,259 3,781,259 8.26% 8.26%

L 70 119 0 0 9,693,991 4,194,643 4,194,643 8.28% 8.28%

Subtotal 163,486 -673,103

L 71 120 0 0 10,420,689 4,646,489 4,646,489 8.30% 8.30%

L 72 121 0 0 11,202,922 5,140,133 5,140,133 8.31% 8.31%

L 73 122 0 0 12,045,113 5,679,312 5,679,312 8.32% 8.32%

L 74 123 0 0 12,951,785 6,267,828 6,267,828 8.34% 8.34%



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$10,218.00Annual






L 75 124 0 0 13,927,935 6,909,920 6,909,920 8.34% 8.34%

Subtotal 163,486 -673,103

L 76 125 0 0 14,978,953 7,610,185 7,610,185 8.36% 8.36%

L 77 126 0 0 16,110,651 8,373,600 8,373,600 8.37% 8.37%

L 78 127 0 0 17,329,295 9,205,553 9,205,553 8.38% 8.38%

L 79 128 0 0 18,641,640 10,111,882 10,111,882 8.39% 8.39%

L 80 129 0 0 20,054,972 11,098,905 11,098,905 8.39% 8.39%

Subtotal 163,486 -673,103

L 81 130 0 0 21,577,149 12,173,466 12,173,466 8.41% 8.41%

L 82 131 0 0 23,216,640 13,342,971 13,342,971 8.41% 8.41%

Total 163,486 -673,103



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YOUR NARRATIVE SUMMARY

Life Insurance Illustration Summary

Your QoL Max Accumulator+ is an Individual Fixed Index Interest Flexible Premium Adjustable Life Insurance policy. This illustration is designedto aid your understanding of the policy by demonstrating how policy benefits and premiums can be affected by different assumptions.

This hypothetical illustration is not a contract; it is for illustrative purposes only and should not be deemed a representation of past or futureperformance or a guarantee of future results. It is not complete or valid unless presented with all pages. For guaranteed elements and otherimportant information, refer to Your Tabular Detail pages. AGL, its employees, agents and representatives do not render legal or tax advice andthis illustration should not be construed as such. You should contact your own tax or legal advisor regarding the tax and other consequences,which may result from alternatives shown in this illustration. This illustration assumes that the currently illustrated non-guaranteed elementswill continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown.

Policy Coverage Summary

Initial Death Benefit (Specified Amount): $500,000Initial Death Benefit Option: LevelInitial Planned Premium: $10,218.00Premium Mode: AnnualDeath Benefit Guaranteed to: Age 68Policy In-Force To(based on current non-guaranteed assumptions): Age 131Loan Type: Participating LoanIRC 7702 Life Insurance Test: Guideline Premium TestInitial Guideline Level Premium: $10,217.87Initial Guideline Single Premium: $119,537.86Seven Pay Premium: $24,350.39

Rider(s) Initial Premium Initial BenefitIncome for Life Rider See Distributions section See Distributions sectionQoL SelectChoice II Accelerated Death Benefit Riders

QoL SelectChoice II Critical Illness ABR Automatically included See QoL ABRs SectionQoL SelectChoice II Chronic Illness ABR Automatically included See QoL ABRs SectionQoL SelectChoice II Terminal Illness ABR Automatically included See QoL ABRs Section

Overloan Protection Rider N/A See Policy Loans Section


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Important Information About Your Illustration

GuaranteedValues

This illustration demonstrates that the proposed policy, if issued as illustrated, would not lapse and that the Death Benefitof $500,000 through Policy Year 19, Insured Age 68 would be paid upon the insured’s death provided:

• The Owner timely pays the scheduled premiums due as shown in this illustration;• The Owner elects no policy loans or withdrawals of cash values not otherwise shown in this illustration; and• The Owner makes no other material policy changes (e.g., increase of the death benefit, change of the death

benefit option, addition/termination of any riders; receipt of an accelerated death benefit).

These events are not likely to occur. Actual results may be more or less favorable than those shown.

All guaranteed assumptions shown in this illustration are based upon any and all policy values and material changesas shown in the illustration and exclude the exercise of any riders/benefits or any assumptions demonstrated in anysupplemental illustration attached to this illustration.

Non-GuaranteedValues

Except where otherwise noted as “Guaranteed”, accumulation values, cash values, death benefits, interest rates, loansand surrender values are “Non-Guaranteed”. Non-guaranteed values and benefits are affected by elements including,but not limited to, interest crediting rates, cost of insurance charges, and policy charges.

Assumptionsand Changes in

Assumptions

This illustration assumes that the currently illustrated non-guaranteed elements will not change during the years illustratedand that AGL receives all premiums in time to be processed on the first day of each modal period, starting with the Dateof Issue. The non-guaranteed elements in the illustration are subject to change by AGL and are likely to change. It ispossible that premiums will not be paid as assumed in this illustration.

Policy values and benefits may also be affected by the Owner's decisions to change elements, such as but not limitedto: amount of premium paid; timing of premium payments; lapse and reinstatement; loans; withdrawals; addition/termination of riders; and/or any other Owner-initiated contractual changes, such as increasing the death benefit,accelerating a death benefit, or changing the death benefit option.

Periodic Review An in-force illustration may be produced at any time after the policy has been in-force for one year.


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Your Accumulation Strategies

INTEREST CREDITING

The Accumulation Value in your QoL Max Accumulator+ policy is eligible for interest crediting through a flexible allocation of funds into one ormore of the following accumulation accounts:

Two Index Interest Participation Rate Accounts

The participation rate is the percentage of the annual increase in the index that will be used to calculate index interest. Index interest will varyyear to year, depending upon the participation rates and changes in the index. The initial participation rate is guaranteed for the index establishedon the Date of Issue. AGL may declare a new participation rate that will apply to each new Index Interest Participation Rate Account and maybe higher or lower than the initial participation rate. Once an Index Interest Participation Rate Account is established, the participation rate willnot change for that Index Interest Participation Rate Account.

1-Year Point-to-Point Index Blend Participation Rate Account Utilizing ML Strategic Balanced IndexTM

Index Interest Rider with Participation Rate; (Form ICC15-15273)

The ML Strategic Balanced Index (“MLSB Index”) uses a rules-based, non-discretionary approach to blend equity (S&P 500 Index, excludingdividends) and fixed income (Merrill Lynch 10 Year US Treasury Futures Total Return Index) indices, while managing volatility with a cashposition. By dynamically allocating exposures to equity, fixed income and cash, the MLSB Index seeks to reduce volatility in changing marketenvironments and may provide consistent returns over time. It is important to note that volatility control measures seek to mitigate the impactof market downturns; however, they also lessen the impact of market upturns.

• Guaranteed at a rate of no less than 0.00% annually, regardless of index performance• Assumes the initial Participation Rate is 100.00%; guaranteed minimum participation rate of 15%• One-year duration• Guaranteed Account Value Enhancement (AVE) of 0.25% after policy year 5; current AVE of 0.65% after policy year 5.

1-Year Point-to-Point Index Participation Rate Account Utilizing S&P 500 Index Index Interest Rider with Participation Rate; (Form ICC15-15272)

• Guaranteed at a rate of no less than 0.00% annually, regardless of index performance• Assumes the initial Index Participation Rate is 65.00%; guaranteed minimum participation rate of 15%• One-year duration• Guaranteed AVE of 0.25% after policy year 5; current AVE of 0.45% after policy year 5

Two Index Interest Cap Rate Accounts

The index cap limits the amount of interest that can be credited to the account. Index interest will vary year to year, depending upon the indexcaps and changes in the S&P 500. The initial index cap guaranteed for the Index Interest Rider with Index Cap Account is established on theDate of Issue. AGL may declare a new index cap for each new Index Interest Rider with Index Cap Account and that rate may be higher orlower than the initial index cap. Once an Index Interest Rider with Index Cap Account is established, the index cap will not change for that IndexInterest Rider with Index Cap Account.

1-Year Point-to-Point Index High Cap Rate Account Utilizing S&P 500 Index Index Interest Rider with Index Cap; (Form ICC15-15274)

• Guaranteed at a rate of no less than 0.00% annually, regardless of index performance• Assumes the initial Index Cap Rate is 13.50%; guaranteed minimum cap rate of 3%• One-year duration• Guaranteed AVE of 0.25% after policy year 5; current AVE of 0.25% after policy year 5.


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1-Year Point-to-Point Index Core Cap Rate Account Utilizing S&P 500 Index Index Interest Rider with Index Cap; (Form ICC15-15271)

• Guaranteed at a rate of no less than 0.25% annually, regardless of index performance• Assumes the initial Index Cap Rate is 10.00%; guaranteed minimum cap rate of 3%• One-year duration• Guaranteed AVE of 0.25% after policy year 5; current AVE of 0.75% after policy year 5.

One Fixed Account Declared Interest Account

• Guaranteed at a rate of no less than 2.00% annually• Guaranteed AVE of 0.25% after policy year 5; current AVE of 0.25% after policy year 5.

Net premiums and loan repayments that are not designated to receive index interest will be placed in the Fixed Account.Your cash value is never invested directly in the stock market for any of the interest crediting selections.

New Index accounts can be established on any monthaversary day (“monthaversary day” is the same date of the month as the date of themonth on which the policy was issued) if premiums are received on such day. Any premiums received between monthaversary days will beplaced in an Interim Account and will receive excess interest. On each monthaversary, all or part of the money receiving excess interest will berolled into one or more index and/or fixed accounts. The AVE will be applied on each monthaversary.

Account Name Interest Strategy Underlying Index Index Strategy

1-Yr Pt-to-Pt Fixed Index Interest BlendParticipation Rate Account

Blend Participation RateStategy ML Strategic Balanced Index Volatility Control (Manages Risk

of Allocation to Equity Index)1-Yr Pt-to-Pt Fixed Index InterestParticipation Rate Account Participation Rate Strategy S&P 500 Index (excluding

dividends) Equity Index

1-Yr Pt-to-Pt Fixed Index Interest CapRate Account with a High Cap High Cap Strategy S&P 500 Index (excluding


1-Yr Pt-to-Pt Fixed Index Interest CapRate Account with a Core Cap Core Cap Strategy S&P 500 Index (excluding


Fixed Account Declared Interest Strategy NA NA

Interest crediting is based solely on the growth in your Fixed Account and/or selected index(s) interest accounts. Your QoL Max Accumulator+also includes an additional interest bonus to your Accumulation Value after policy year 5 through an AVE.

Interest Strategy GuaranteedMinimum Interest Cap Rate Participation Rate Non-Guaranteed

Crediting RateCurrent Account

ValueEnhancement*

Blend Participation Rate Strategy(Utilizing MLSB Index) 0.00% NA 100.00% 7.38% 0.65%

Participation Rate Strategy(Utilizing S&P 500) 0.00% NA 65.00% 7.35% 0.45%

High Cap Strategy(Utilizing S&P 500) 0.00% 13.50% NA 7.47% 0.25%

Core Cap Strategy(Utilizing S&P 500) 0.25% 10.00% NA 6.11% 0.75%

Declared Interest Strategy 2.00% NA NA NA 0.25%

*Current Account Value Enhancement (AVE) includes guaranteed AVE of 0.25%.


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Historical Graphs

The following chart reflects the 20-year historical hypothetical annualized current non-guaranteed index parameters for the 1-year point-to-pointreturns of the Blend Participation Rate Strategy, the Participation Rate Strategy, High Cap Strategy, and the Core Cap Strategy from the end ofDecember 1996 to the end of December 2015 against the actual historical S&P 500 Index returns.

The MLSB Index was created in August 2014. Levels for the index prior to August, 2014 represent hypothetical data determined by retroactiveapplication of a backcasted model. [Hypothetical performance of the Blend Participation Rate Account Strategy at the current participation rateresults in the same returns of the backcasted hypothetical MLSB Index where positive.] The chart below compares the hypothetical BlendParticipation Rate Account (Utilizing MLSB Index) strategy to the actual S&P 500 Index historical returns.

Past performance is not indicative of future performance. Actual perfomance may vary, perhaps materially, from the performance set forth herein.

1-Year Point-to-Point Index Blend Participation Rate Account (Utilizing ML Strategic Balanced Index)

Current Participation Rate: 100% Guaranteed Minimum Interest Rate: 0.00%

1-Year Point-to-Point Index Participation Rate Account (Utilizing S&P 500 Index)

Current Participation Rate: 65% Guaranteed Minimum Interest Rate: 0.00%

1-Year Point-to-Point Index High Cap Rate Account (Utilizing S&P 500 Index)

Current Cap Rate: 13.50% Guaranteed Minimum Interest Rate: 0.00%

1-Year Point-to-Point Index Core Cap Rate Account (Utilizing S&P 500 Index)

Current Cap Rate: 10.00% Guaranteed Minimum Interest Rate: 0.25%

Historical performance does not take into consideration the Account Value Enhancement feature.


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INDEX INTEREST ILLUSTRATEDThe Maximum Hypothetical Non-Guaranteed Index Interest Rates used in this illustration are shown below. These rates are based on certainregulatory requirements (including but not limited to requirements in Actuarial Guideline 49) and are based on the historical performance ofhypothetical benchmark index accounts. The hypothetical benchmark index accounts are one-year point-to-point index accounts that use theS&P 500 Index (without dividends) and that has a 100% participation rate, a 0% interest floor, and an index cap as prescribed by applicableregulations. The historical performance is measured using an approach that averages the performance of these hypothetical accounts usingall 25-year look back periods over the last 66 years.

The averages of past performance can be calculated using a number of different, reasonable methods, yielding different historical averages.The minimum historical performance, average historical performance, and maximum historical performance of the hypothetical benchmark indexaccount over this period of time, as calculated by AGL in the way as required by applicable rules, are shown in the table below:

Hypothetical Historical Account Performance

Interest Strategy Minimum HistoricalPerformance

Average HistoricalPerformance

Maximum HistoricalPerformance

MaximumHypothetical Non-Guaranteed Index

Interest Rate

Participation Rate Strategy(Utilizing MLSB Index)

4.66% 7.38% 9.52% 7.38%

Participation Rate Strategy(Utilizing S&P 500)

4.40% 7.35% 10.12% 7.35%

High Cap Strategy(Utilizing S&P 500)

4.71% 7.47% 9.65% 7.47%

Core Cap Strategy(Utilizing S&P 500)

4.03% 6.11% 7.74% 6.11%

The Historical Performance is not intended as an indication of future performance and is not guaranteed. The Owner's actual results may bebetter or worse than those shown, perharps materially.


®



HISTORICAL INDEX CHANGES AND HYPOTHETICAL INTEREST RATESThe table below, for the most recent 20-year period, shows the actual historical index changes and the corresponding hypothetical interest rates that would have applied for each IndexAccount assuming that the index parameters each year were the same as the current values for these parameters:

Period1-Yr Pt-to-Pt Blend Participation

Rate Account(Utilizing MLSB Index)

Participation Rate: 100%

1-Yr Pt-to-Pt Participation RateAccount

(Utilizing S&P 500)Participation Rate: 65%

1-Yr Pt-to-Pt Index High CapAccount

(Utilizing S&P 500)Cap Rate: 13.5%

1-Yr Pt-to-Pt Index Core CapAccount

(Utilizing S&P 500)Cap Rate: 10%

Begin Date End Date Index ReturnHypothetical

InterestCredited

Index ReturnHypothetical

InterestCredited


InterestCredited


InterestCredited

12/31/1995 12/31/1996 8.18% 8.18% 20.26% 13.17% 20.26% 13.50% 20.26% 10.00%

12/31/1996 12/31/1997 13.91% 13.91% 31.01% 20.16% 31.01% 13.50% 31.01% 10.00%

12/31/1997 12/31/1998 14.28% 14.28% 26.67% 17.33% 26.67% 13.50% 26.67% 10.00%

12/31/1998 12/31/1999 -0.44% 0.00% 19.53% 12.69% 19.53% 13.50% 19.53% 10.00%

12/31/1999 12/31/2000 10.69% 10.69% -10.14% 0.00% -10.14% 0.00% -10.14% 0.25%

12/31/2000 12/31/2001 2.07% 2.07% -13.04% 0.00% -13.04% 0.00% -13.04% 0.25%

12/31/2001 12/31/2002 6.00% 6.00% -23.37% 0.00% -23.37% 0.00% -23.37% 0.25%

12/31/2002 12/31/2003 9.89% 9.89% 26.38% 17.15% 26.38% 13.50% 26.38% 10.00%

12/31/2003 12/31/2004 7.32% 7.32% 8.99% 5.85% 8.99% 8.99% 8.99% 8.99%

12/31/2004 12/31/2005 1.74% 1.74% 3.00% 1.95% 3.00% 3.00% 3.00% 3.00%

12/31/2005 12/31/2006 6.81% 6.81% 13.62% 8.85% 13.62% 13.50% 13.62% 10.00%

12/31/2006 12/31/2007 10.57% 10.57% 3.53% 2.29% 3.53% 3.53% 3.53% 3.53%

12/31/2007 12/31/2008 -0.36% 0.00% -38.49% 0.00% -38.49% 0.00% -38.49% 0.25%

12/31/2008 12/31/2009 2.92% 2.92% 23.45% 15.25% 23.45% 13.50% 23.45% 10.00%

12/31/2009 12/31/2010 13.39% 13.39% 12.78% 8.31% 12.78% 12.78% 12.78% 10.00%

12/31/2010 12/31/2011 10.17% 10.17% 0.00% 0.00% 0.00% 0.00% 0.00% 0.25%

12/31/2011 12/31/2012 7.82% 7.82% 13.41% 8.71% 13.41% 13.41% 13.41% 10.00%

12/31/2012 12/31/2013 2.68% 2.68% 29.60% 19.24% 29.60% 13.50% 29.60% 10.00%

12/31/2013 12/31/2014 10.52% 10.52% 11.39% 7.40% 11.39% 11.39% 11.39% 10.00%

12/31/2014 12/31/2015 -1.41% 0.00% -0.73% 0.00% -0.73% 0.00% -0.73% 0.25%

Compound Annual Average 7.86% 8.43% 8.14% 6.43%


®



Your Distribution Options

POLICY LOANS

Your QoL Max Accumulator+ policy offers two types of loans: Standard Loans and Participating Loans. Only one type of loan can be on a policyat any given time. You may switch between Standard and Participating loans a maximum of 3 times during the life of the policy. After the 10th policy anniversary, Preferred Loans are available. During the Allocation Restriction Period, Standard Loans are not available to switch toParticipating Loans.

Standard Loans

For a Standard Loan the amount of the loan will be deducted proportionately based on the Accumulation Value in each Index Account, theDeclared Interest Account, and the Interim Account and moved into the Fixed Account. The annual loan interest for Standard Loans is duein advance. The annual loan interest rate for Standard Loans is 1.96% (equal to an effective rate of 3.00% paid at the end of the policyyear). The interest credited to the loan amount is the 2.00% guaranteed interest in the Fixed Account. Standard Loan balances are noteligible for Account Value Enhancement.

Preferred Loans

After the 10th policy anniversary, your QoL Max Accumulator+ provides a preferred rate to your Standard Loan, or a Preferred Loan option.For a Preferred Loan, the amount of the loan will be deducted proportionately according to the Standard Loan rules. The annual loan interestfor Preferred Loans is due in advance. The annual loan interest rate for Preferred Loans will be no less than 1.96% and no more than 1.96%(equal of effective rates of not less than 2.00% and no more than 2.25% respectively, paid at the end of the policy year). The interest creditedto the loan amount is the 2.00% guaranteed interest in the Fixed Account. The Preferred Loan available is restricted to a policy year maximumof 10.00% of the Accumulation Value at the beginning of the policy year.

Participating Loans

For a Participating Loan, the amount of the loan will not be deducted and will remain in the existing interest accounts. The loan amount willcontinue to be eligible for Index Interest as if no loan had been taken from the policy. The annual loan interest for Participating Loans is duein advance. The annual loan interest rate for Participating Loans is declared monthly and will be no more than 7.40% (equal to an effectiverate of 8.00% paid at the end of the policy year). The initial annual loan interest rate due in advance is 4.76% (equal to an effective rate of5.00% paid at the end of the policy year).

There is a risk associated with Participating Loans because an Index Account's actual credited rate could be less than the ParticipatingAnnual Interest Rate. The use of Participating Loans could potentially result in policy lapse if poor index performance among the indices issustained. Participating Loans do not include participation in AGL's profits or surplus through receipt of dividends.

Under some circumstances policy loans and withdrawals are taxable. For advice concerning your individual circumstances, consult anattorney, tax advisor or accountant.

Overloan Protection Rider(Form 07620)

This optional rider guarantees your policy will not lapse due to a large outstanding loan by waiving future monthly deductions upon activationof the rider and by keeping the rider in-force when the loan amount exceeds the Account Value. The tax consequences of the Overloan ProtectionRider have not been determined by the IRS or the courts, and it is possible that the IRS could assert that the outstanding loan balance shouldbe treated as a taxable distribution when the Overloan Protection Rider is exercised. For advice concerning your individual circumstances,consult an attorney, tax advisor or accountant.

Under some circumstances policy loans and withdrawals are taxable. Refer to Loans and Withdrawals in the Key Terms and Definitions sectionand Specified Amount Reductions in the Tax and Compliance section.


®



Standard Loans (Not qualified as Preferred)Interest Credited - Non-Guaranteed Current 2.00%Interest Charged - Non-Guaranteed Current 3.00%Interest Credited - Guaranteed 2.00%Interest Charged - Guaranteed 3.00%Standard Loans (Qualified as Preferred)Interest Credited - Non-Guaranteed Current 2.00%Interest Charged - Non-Guaranteed Current 2.00%Interest Credited - Guaranteed 2.25%Interest Charged - Guaranteed 2.00%Participating LoansInterest Credited - Non-Guaranteed Current Current Index Interest*Interest Charged - Non-Guaranteed Current 5.00%Interest Credited - Guaranteed 0.00%Interest Charged - Guaranteed 8.00%*See Non-Guaranteed Crediting Rates shown on page .

YOUR INCOME FOR LIFE RIDER*(Form 15996)

Your QoL Max Accumulator+ policy includes an Income-for-Life Rider*, allowing you, upon your election, to receive a guaranteed lifetime incomestream based on your current Cash Value at the time of election, if exercised, subject to rider terms and conditions.

Upon exercise of the rider, a one-time charge will be deducted from your Cash Value and will vary depending on your age, face amount, riskclass, policy duration at the time of exercise, and gender. The one-time charge is a non-guaranteed amount that will be assessed upon electionof the rider, not to exceed a guaranteed maximum.

The guaranteed income payments may be received monthly, quarterly, semi-annually, or annually. An annual fee of $50 will be assessed forpremium modes other than annual.

Eligibility requirements for the rider:

• Between 55 and 85 years of age at the time of election• Have had the policy in-force for no less than 10 years• Must not have received any accelerated benefits such as from the Accelerated Access Solution• Terminate all other existing riders on the base policy except Select Income Rider and Overloan Protection Rider• Pay off in full any existing loan balances at the date of the election• Resulting income must not be less than a minimum level set in your policy at the time of exercise

If this benefit is exercised, your death benefit will be converted to a level option, if it is not already set at that option. While the rider is in effect,you may not change the policy to an increasing death benefit option. Additionally, allocation of your policy's Cash Value will be determined byAGL upon exercise of the rider.

You may terminate the rider at any time.

*This rider may not be approved for issue in all states. The Income for Life Rider requires that the policy use Guideline Premium as the DeathBenefit Compliance Test. You may choose to instead use the Cash Value Accumulation Test, but if you do so, the Rider will not be issued withyour policy, and any references to the Rider that are used in this illustration will not be applicable to your policy.


®



30

Your Riders

QoLSelectChoiceII

AcceleratedBenefit Riders

See Your QoL SelectChoice II Accelerated Benefits Summary section and Additional Information Regarding Your QoLSelectChoice II Accelerated Benefit Riders section.

Income for LifeRider

(Form 15996)

See Your Income for Life Rider section.

OverloanProtection Rider

(Form 07620)

See Overloan Protection Rider section.


®



Key Terms and Definitions

Accumulation Value The Accumulation Value is the cash accumulation component of theproposed policy. It reflects net premiums received, withdrawals made,expenses charged, cost of insurance deducted and interest credited.The Accumulation Value can be positive, negative, or zero.

Account Value Enhancement A persistency bonus available that is credited to the index accountsor fixed account after policy year 5. This is in addition to the creditingearned through the index strategy.

Alternate Hypothetical Rate The alternate values are calculated based on the guaranteed interestrate of the Fixed Account, the non-guaranteed maximum cost ofinsurance, and non-guaranteed expense charges specified in thepolicy.

Cash Surrender Value The Cash Surrender Value is the amount available to the policy ownerwhen the policy is terminated for a reason other than the Insured'sdeath. This is equal to the Cash Value less policy loans andaccumulated interest and may be zero.

Cash Surrender Value IRR The IRR on the Cash Surrender Value for a policy year is the discountrate that results in a net present value of zero for a series of cashflows equal to the net outlay from policy issue through the policy yearand the Cash Surrender Value at the end of the same policy year.

Cash Value The Cash Value of this policy is equal to the Accumulation Value minusthe applicable surrender charge, if any.

Cost of Insurance Charges The basis for calculating the cost of insurance for the policy and anyriders added to the policy is outlined in the policy.

Current Non-Guaranteed Hypothetical Rate See Index Interest Illustrated section.

Death Benefit The death benefit is the amount of money payable to the beneficiaryif the Insured dies while the policy is in force. The Initial Amount isspecified in the policy at issue and the Specified Amount may bechanged subject to the policy’s provisions.

Death Benefit IRR The IRR on the Death Benefit for a policy year is the discount ratethat results in a net present value of zero for a series of cash flowsequal to the net outlay from policy issue through the policy year andthe Death Benefit at the end of the same policy year.

Guaranteed Rate The guaranteed values are calculated based on the guaranteedinterest rate, the guaranteed maximum cost of insurance, andguaranteed expense charges specified in the policy.

Income-for-Life Value See Income-for-Life Rider section.

Lapse Policy Lapse refers to termination of the policy. When a policy lapses,it has no cash value and no death benefit is payable.

Loans and Withdrawals Policy loans can be taken at any time while the policy is in force. Forillustration purposes, all loans are taken out in monthly installments.Annual loan interest is assessed at the end of the policy year. Referto the policy for more information about policy loans. Withdrawalsrepresent amounts withdrawn from the policy which are not loans.

Maximum Non-Guaranteed Hypothetical Rate See Index Interest Illustrated section.

The Maximum Non-Guaranteed Hypothetical Index Interest Rate isnot intended to predict future performance and is not guaranteed.The Owner's actual results may be better or worse than shown.

Monthly Charges This represents the sum of the Cost of Insurance amount, MonthlyAdministration Fee amount, Monthly Expense Charge amount, andany applicable rider charges for each month illustrated.

Net Annual Loan Interest Credited This represents interest credited to the Accumulation Value offset bypolicy loans. These amounts may be credited at a different rate thanthose values not offset by policy loans.


®



Non-Guaranteed Midpoint Rate The Non-Guaranteed Midpoint Rate is based on interest rates andcosts of insurance that are the average of, or halfway between, theGuaranteed Rate with Maximum Charges and the Non-GuaranteedRate with Current Charges.

Non-Guaranteed Rate The Non-Guaranteed Rate used in this illustration is the user selectedinterest rate(s) up to the Maximum Current Non-GuaranteedHypothetical Rates for each Interest Account. The Non-GuaranteedRate is not intended to predict future performance and is notguaranteed. The Owner's actual results may be better or worse thanshown.

Partial Surrenders/Withdrawals This represents the amount withdrawn from the policy.

Premium Class Preferred Non-TobaccoSignificantly better than average mortality risk and a non-user oftobacco and/or other products that contain nicotine.

Premium Expense Charge See Your Transaction Charges section.

Premium Mode The Premium Mode is the frequency selected for recurring premiums.

Premium Outlay Premium outlay is the amount the Owner plans to pay for the policy.It is equal to planned premium payments and loan repayments.

Surrender Charges A surrender charge will be applied when the policy is surrendered orthe specified amount is reduced during the surrender charge period.If the specified amount is increased, the increased portion is subjectto a new surrender charge period. The initial surrender charge periodis 14 years. Refer to the policy for more information about SurrenderCharges.

Year and Age Year is the policy year; Age is the Insured's age at the Date of Issueplus on the Insured's nearest birthday the number of years the policyis assumed to have been in force.


®



Important Disclosures Preceding Numeric Summary1. Life insurance is not an investment. You are purchasing a universal life insurance policy because you have a long term need for permanent

life insurance.

2. You should review the product materials provided by AGL for this individual fixed index interest flexible premium adjustable life insurancepolicy.

3. You selected the premium shown in the illustration to show AGL how much premium you intend to pay or otherwise to be applied aspremium, including but not limited to any funds from another insurer transferred pursuant to a Section 1035 Exchange under the InternalRevenue Code.

4. Premiums paid and amounts that may be credited to the policy may not be sufficient to cover the cost of insurance and/or administrativeexpenses. Paying less than the planned premium can have a negative impact on the policy and any guarantees. Reduced premiumpayments, loans, and/or withdrawals are examples of factors which could necessitate additional premiums to maintain your insurancecoverage. If this illustration shows that you have the option to allow policy charges to be paid using non-guaranteed values or if theillustration shows a premium outlay of lesser amounts or shorter duration than the contract premium, if any, you may need to continueor resume premium outlays.

5. Changes in the non-guaranteed elements of your policy may affect the amount of your insurance benefits, the duration of your insurancecoverage, and your policy value. The policy value may reduce to zero. If the net cash surrender value is insufficient to pay the chargeswhen due, and the death benefit protection is no longer in effect, your policy will lapse and terminate unless more premiums are paid.At such time, you will have no insurance coverage.

6. While index interest credited to the policy is related to the performance of the underlying index, it is not an investment in that index. Theactual amount of index interest credited to an index universal life insurance policy will vary based on the performance of the index, theinterest rate environment, the cost of options, and other economic factors.

7. There will be substantial variation in both the timing and amount of index interest credited over the life of the policy.

8. Historical performance of the S&P 500® and the ML Strategic Balanced IndexTM should not be considered a representation of futureperformance for any of the index interest strategies in the policy.

9. You should review the Tabular Detail - Alternate Rate pages, which show the effect of changing the hypothetical crediting rates of theIndex Accounts.

10. QoL Max Accumulator+ offers two types of policy loans as described in this illustration, and you are solely responsible for the selectionof the loan type.

11. Cost of insurance rates, insurance amounts, charges, riders, and endorsements offered, along with other parameters, may vary dependingon the agent through whom you purchase your policy.

12. Proper maintenance of the policy is essential, and it is recommended that you regularly review your policy. The only viable way to knowif an index universal life insurance policy is meeting your needs is to review the policy's performance no less frequently than once a year.Annual reviews of your policy should include review of the annual statement and review of an in-force illustration you request, which youshould review to determine whether any adjustments are necessary to your planned premium payments and to the allocation of yourcurrent crediting strategies, including index interest, and your review of any distributions to you under the policy.


®



Your Numeric SummaryCurrent Account Value Enhancement


$10,218.00Annual

Blend Participation Rate Account (Utilizing MLSB Index): 0.65%High Cap Rate Account (Utilizing S&P 500 Index): 0.25% Guaranteed Account Value Enhancement for all

strategies: 0.25%

Guaranteed Rate Non-Guaranteed Mid-Point Rate Non-Guaranteed Rate

Blend Part Rate Acct (MLSB Index) 0.00%Index High Cap Acct (S&P 500 Index) 0.00% See Illustration Assumptions for Non-Guaranteed

Interest Rates section.See Illustration Assumptions for Non-Guaranteed

Interest Rates section.

Year Age Premium Outlay1 Cash Surrender Value Death Benefit Cash Surrender Value Death Benefit Cash Surrender Value Death Benefit

5 54 10,218 11,095 500,000 18,038 500,000 25,987 500,000

10 59 10,218 41,564 500,000 65,318 500,000 96,171 500,000

15 64 10,218 67,143 500,000 120,206 500,000 198,110 500,000

20 69 0 0 0 33,664 394,068 192,330 397,151

25 74 0 0 0 0 0 155,083 236,896

30 79 0 0 0 0 0 125,618 155,280

Lapses at year 20 Lapses at year 21 Matures at year 721A zero in the Premium Outlay column does not mean the policy is paid up. Charges are deducted from the Accumulation Value as long as the policy remains in force. Depending upon actual results, the Ownermay need to continue or increase premium payments.

I have reviewed the important disclosures immediately before this Numeric Summary. I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to changeand could be either higher or lower. The agent has told me they are not guaranteed.

Owner's Signature Date Joint Owner's Signature Date

I certify that this illustration has been presented to the applicant, and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent withthe illustration.

Agent's Signature Date Agent's Address


®



Your Tabular DetailCurrent Account Value Enhancement1:


$10,218.00Annual


Guaranteed Account ValueEnhancement for allstrategies:

0.25%

Guaranteed Rate Alternate Rate Current Non-Guaranteed Hypothetical Rate

Blend Part Rate Account 0.00%Index High Cap Account 0.00%

Blend Part Rate Account 2.65%Index High Cap Account 2.65% See Illustration Assumptions for Non-Guaranteed Interest Rates

section.

Year Age PremiumOutlay2

AccumulationValue

CashSurrender

ValueDeath Benefit Accumulation

ValueCash

SurrenderValue

Death Benefit AccumulationValue

CashSurrender

ValueLoans and

Withdrawals Death Benefit

1 50 10,218 5,709 0 500,000 6,841 0 500,000 7,207 0 0 500,000

2 51 10,218 11,287 0 500,000 13,878 0 500,000 14,965 0 0 500,000

3 52 10,218 16,723 0 500,000 21,117 4,117 500,000 23,317 6,317 0 500,000

4 53 10,218 21,996 5,496 500,000 28,563 12,063 500,000 32,308 15,808 0 500,000

5 54 10,218 27,095 11,095 500,000 36,224 20,224 500,000 41,987 25,987 0 500,000

Subtotal 51,090

6 55 10,218 32,094 16,094 500,000 44,303 28,303 500,000 52,643 36,643 0 500,000

7 56 10,218 36,911 22,911 500,000 52,652 38,652 500,000 64,165 50,165 0 500,000

8 57 10,218 41,519 29,519 500,000 61,280 49,280 500,000 76,626 64,626 0 500,000

9 58 10,218 45,910 35,410 500,000 70,195 59,695 500,000 90,100 79,600 0 500,000

10 59 10,218 50,064 41,564 500,000 79,408 70,908 500,000 104,671 96,171 0 500,000

Subtotal 102,180

11 60 10,218 53,991 46,991 500,000 89,087 82,087 500,000 120,594 113,594 0 500,000

12 61 10,216 57,680 52,680 500,000 99,087 94,087 500,000 137,811 132,811 0 500,000

13 62 10,218 61,113 57,613 500,000 109,423 105,923 500,000 156,431 152,931 0 500,000

14 63 10,218 64,273 62,773 500,000 120,019 118,519 500,000 176,490 174,990 0 500,000

15 64 10,218 67,143 67,143 500,000 130,884 130,884 500,000 198,110 198,110 0 500,000

Subtotal 153,268

16 65 10,218 70,762 70,762 500,000 143,110 143,110 500,000 222,536 222,536 0 500,000

L 17 66 0 65,546 41,314 475,767 146,295 122,432 476,137 239,004 215,141 23,863 476,137



®





$10,218.00Annual



0.25%




section.


AccumulationValue

CashSurrender


ValueCash

SurrenderValue


CashSurrender

ValueLoans and


L 18 67 0 59,823 9,421 449,598 149,460 100,541 451,081 256,554 207,635 25,056 451,081

L 19 68 0 53,526 0 421,338 152,573 77,346 424,773 275,254 200,027 26,308 424,773

L 20 69 0 0 0 0 155,592 52,743 397,151 295,180 192,330 27,623 397,151

Subtotal 163,486

L 21 70 0 0 0 0 158,826 26,974 368,147 316,636 184,783 29,003 368,147

L 22 71 0 0 0 0 0 0 0 339,533 177,227 30,453 337,694

L 23 72 0 0 0 0 0 0 0 363,992 169,711 31,975 305,719

L 24 73 0 0 0 0 0 0 0 390,154 162,300 33,573 272,146

L 25 74 0 0 0 0 0 0 0 418,188 155,083 35,251 236,896

Subtotal 163,486

L 26 75 0 0 0 0 0 0 0 448,323 148,206 37,013 199,883

L 27 76 0 0 0 0 0 0 0 480,792 141,812 38,863 165,852

L 28 77 0 0 0 0 0 0 0 515,806 136,022 40,805 161,812

L 29 78 0 0 0 0 0 0 0 553,231 130,602 42,844 158,264

L 30 79 0 0 0 0 0 0 0 593,233 125,618 44,986 155,280

Subtotal 163,486

L 31 80 0 0 0 0 0 0 0 635,990 121,141 47,234 152,941

L 32 81 0 0 0 0 0 0 0 681,693 117,250 49,595 151,334

L 33 82 0 0 0 0 0 0 0 730,529 114,012 52,073 150,539

L 34 83 0 0 0 0 0 0 0 782,708 111,516 54,676 150,651



®





$10,218.00Annual



0.25%




section.


AccumulationValue

CashSurrender


ValueCash

SurrenderValue


CashSurrender

ValueLoans and


L 35 84 0 0 0 0 0 0 0 838,447 109,846 57,409 151,768

Subtotal 163,486

L 36 85 0 0 0 0 0 0 0 897,968 109,089 60,278 153,988

L 37 86 0 0 0 0 0 0 0 961,474 109,305 63,290 157,379

L 38 87 0 0 0 0 0 0 0 1,029,189 110,566 66,454 162,026

L 39 88 0 0 0 0 0 0 0 1,101,335 112,937 69,775 168,004

L 40 89 0 0 0 0 0 0 0 1,178,144 116,484 73,262 175,392

Subtotal 163,486

L 41 90 0 0 0 0 0 0 0 1,259,835 121,251 76,924 184,243

L 42 91 0 0 0 0 0 0 0 1,346,622 127,271 80,768 194,602

L 43 92 0 0 0 0 0 0 0 1,439,810 135,654 84,805 193,246

L 44 93 0 0 0 0 0 0 0 1,540,140 146,940 89,043 193,144

L 45 94 0 0 0 0 0 0 0 1,648,545 161,851 93,494 194,822

Subtotal 163,486

L 46 95 0 0 0 0 0 0 0 1,766,127 181,267 98,167 198,928

L 47 96 0 0 0 0 0 0 0 1,893,884 205,951 103,073 205,951

L 48 97 0 0 0 0 0 0 0 2,030,989 234,832 108,224 234,832

L 49 98 0 0 0 0 0 0 0 2,178,144 268,353 113,633 268,353

L 50 99 0 0 0 0 0 0 0 2,336,104 307,001 119,312 307,001

Subtotal 163,486



®





$10,218.00Annual



0.25%




section.


AccumulationValue

CashSurrender


ValueCash

SurrenderValue


CashSurrender

ValueLoans and


L 51 100 0 0 0 0 0 0 0 2,505,683 351,304 125,276 351,304

L 52 101 0 0 0 0 0 0 0 2,687,757 401,842 131,537 401,842

L 53 102 0 0 0 0 0 0 0 2,883,363 483,200 114,248 483,200

L 54 103 0 0 0 0 0 0 0 3,093,608 573,487 119,958 573,487

L 55 104 0 0 0 0 0 0 0 3,319,611 673,537 125,953 673,537

Subtotal 163,486

L 56 105 0 0 0 0 0 0 0 3,562,575 784,253 132,248 784,253

L 57 106 0 0 0 0 0 0 0 3,823,797 906,617 138,858 906,617

L 58 107 0 0 0 0 0 0 0 4,104,675 1,041,698 145,798 1,041,698

L 59 108 0 0 0 0 0 0 0 4,406,715 1,190,652 153,085 1,190,652

L 60 109 0 0 0 0 0 0 0 4,731,538 1,354,740 160,736 1,354,740

Subtotal 163,486

L 61 110 0 0 0 0 0 0 0 5,080,894 1,535,327 168,769 1,535,327

L 62 111 0 0 0 0 0 0 0 5,456,666 1,733,895 177,204 1,733,895

L 63 112 0 0 0 0 0 0 0 5,860,886 1,952,054 186,060 1,952,054

L 64 113 0 0 0 0 0 0 0 6,295,741 2,191,550 195,359 2,191,550

L 65 114 0 0 0 0 0 0 0 6,763,590 2,454,276 205,123 2,454,276

Subtotal 163,486

L 66 115 0 0 0 0 0 0 0 7,266,976 2,742,287 215,375 2,742,287

L 67 116 0 0 0 0 0 0 0 7,808,639 3,057,810 226,139 3,057,810



®





$10,218.00Annual



0.25%




section.


AccumulationValue

CashSurrender


ValueCash

SurrenderValue


CashSurrender

ValueLoans and


L 68 117 0 0 0 0 0 0 0 8,391,532 3,403,261 237,442 3,403,261

L 69 118 0 0 0 0 0 0 0 9,018,838 3,781,259 249,309 3,781,259

L 70 119 0 0 0 0 0 0 0 9,693,991 4,194,643 261,769 4,194,643

Subtotal 163,486

L 71 120 0 0 0 0 0 0 0 10,420,689 4,646,489 274,852 4,646,489

L 72 121 0 0 0 0 0 0 0 11,202,922 5,140,133 288,589 5,140,133

L 73 122 0 0 0 0 0 0 0 12,045,113 5,679,312 303,012 5,679,312

L 74 123 0 0 0 0 0 0 0 12,951,785 6,267,828 318,156 6,267,828

L 75 124 0 0 0 0 0 0 0 13,927,935 6,909,920 334,057 6,909,920

Subtotal 163,486

L 76 125 0 0 0 0 0 0 0 14,978,953 7,610,185 350,753 7,610,185

L 77 126 0 0 0 0 0 0 0 16,110,651 8,373,600 368,284 8,373,600

L 78 127 0 0 0 0 0 0 0 17,329,295 9,205,553 386,690 9,205,553

L 79 128 0 0 0 0 0 0 0 18,641,640 10,111,882 406,016 10,111,882

L 80 129 0 0 0 0 0 0 0 20,054,972 11,098,905 426,309 11,098,905

Subtotal 163,486

L 81 130 0 0 0 0 0 0 0 21,577,149 12,173,466 447,615 12,173,466

L 82 131 0 0 0 0 0 0 0 23,216,640 13,342,971 469,987 13,342,971

Total 163,486



®



Illustration Assumptions for Non-Guaranteed Interest Rates

Index Interest Rate Selected

PolicyYear

Blend Participation RateAccount

(Utilizing MLSB Index)Participation Rate Account(Utilizing S&P 500 Index)

High Cap Rate Account(Utilizing S&P 500 Index)

Core Cap Rate Account(Utilizing S&P 500 Index)

WeightedAverage

Non-Guaranteed

Current

Non-Guaranteed

Midpoint

Non-Guaranteed

Current

Non-Guaranteed

Midpoint

Non-Guaranteed

Current

Non-Guaranteed

Midpoint

Non-Guaranteed

Current

Non-Guaranteed

Midpoint

Non-Guaranteed

Current

1 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

2 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

3 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

4 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

5 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

6 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

7 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

8 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

9 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

10 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

11 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

12 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

13 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

14 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

15 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

20 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%

21+ 7.38% 3.69% 7.35% 3.68% 7.47% 3.74% 5.86% 2.93% 7.43%


®



Your Policy Mechanics

*Under current federal tax law, partial withdrawals are reportable to the policy owner and may also be taxable. See Tax and Compliance section.

Your Transaction Charges and Expenses

Cost of Insurance (COI)Each month AGL deducts charges from the policy’s Accumulation Value to cover the expenses and costs of providing the policy benefits. Thecost of insurance rates will ultimately depend on the outcome of the underwriting process and may vary significantly from what is shown in thisillustration.

Monthly ChargesMonthly Administration FeeNon-Guaranteed Current Charge - $10.00Maximum Charge - $20.00

Monthly Expense ChargeThe Monthly Expense Charge for the Specified Amount is deducted during the first 5 policy years and is applied to the amount of any allowableincrease in the Specified Amount during the first 5 years following the increase.

Surrender ChargesSurrender charges apply if you surrender your policy in years 1-14. Surrender charges vary by sex, smoker status, age, and policy duration.


®



Tax and Compliance

Definition of LifeInsurance

Section 7702 of the Internal Revenue Code requires that a policy meet one of two tests, the Guideline Premium Test(GPT) or the Cash Value Accumulation Test (CVAT), in order to qualify as life insurance. The computation to determinecompliance with either of these tests is complex (and specific questions should be directed to your tax advisor).

In general, the GPT requires the policy must meet two criteria in order to qualify as life insurance. First, the cumulativepremiums paid cannot exceed, on any date, the greater of the guideline single premium and the cumulative guidelineannual premiums to date. Second, the ongoing relationship between the cash value of the policy and the death benefitis restricted.

CVAT, as the alternative test, generally requires that the policy's cash surrender value can at no time exceed the netsingle premium needed to fund the death benefit provided under the policy in order to qualify as life insurance.

Unless otherwise provided by your specific life insurance policy, both of the tests are available. Once the definition oflife insurance test is selected at issue, it cannot be changed.

Index Disclosurefor the S&P 500

The S&P 500 (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensedfor use by American General Life Insurance Company (AGL). Standard & Poor's®, S&P®, and S&P 500® are registeredtrademarks of Standard & Poor’s Financial Services LLC (“S&P”). The trademarks have been licensed to SPDJI andhave been sublicensed for use for certain purposes by AGL.

The life insurance products underwritten and issued by AGL are not sponsored, endorsed, sold or promoted by SPDJI,S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not makeany representation or warranty, express or implied, to the owners of AGL’s or any member of the public regarding theadvisability of investing in securities generally or in AGL’s products particularly or the ability of the Index to track generalmarket performance. S&P Dow Jones Indices’ only relationship to AGL with respect to the Index is the licensing of theIndex and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. TheIndex is determined, composed and calculated by S&P Dow Jones Indices without regard to AGL or its products. S&PDow Jones Indices has no obligation to take the needs of AGL or the owners of its products into consideration indetermining, composing or calculating the Index. S&P Dow Jones Indices is not responsible for and has not participatedin the determination of the prices, and amount of AGL’s products or the timing of the issuance or sale of AGL’s productsor in the determination or calculation of the equation by which AGL’s products are to be converted into cash, surrenderedor redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with theadministration, marketing or trading of AGL’s products. There is no assurance that investment products based on theIndex will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC isnot an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indicesto buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THECOMPLETENESS OF THE Index OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUTNOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITHRESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITYFOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS ORIMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESSFOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY AGL, OWNERS OF AGL’SPRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE Index OR WITH RESPECT TO ANYDATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALLS&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, ORCONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOSTTIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHERIN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OFANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND AGL, OTHER THAN THELICENSORS OF S&P DOW JONES INDICES LLC.


®



Index Disclosurefor the MLStrategic

Balanced IndexTM

The ML Strategic Balanced IndexTM provides systematic, rules-based access to the blended performance of twounderlying indices - the S&P 500 (without dividends), which serves to represent equity performance, and the MerrillLynch 10-year U.S. Treasury Futures Total Return Index, which serves to represent fixed income performance. To helpmanage overall return volatility, the Index may also systematically utilize Cash performance in addition to the performanceof the two underlying indices.

Important Note: The ML Strategic Balanced Index embeds an annual index cost in the calculations of the change inIndex Value over the Index Term. This “embedded index cost” will reduce any change in Index Value over the IndexTerm that would otherwise have been used in the calculation of index interest, and it funds certain operational andlicensing costs for the index. It is not a fee paid by you or received by AGL. AGL's licensing relationship with MerrillLynch, Pierce, Fenner & Smith Incorporated for use of the ML Strategic Balanced Index and for use of certain servicemarks includes the AGL's purchase of financial instruments for purposes of meetings its interest crediting obligations.Some portion of those instruments will, or may be, purchased from Merrill Lynch, Pierce, Fenner & Smith Incorporatedor its Affiliates.

Merrill Lynch, Pierce, Fenner & Smith Incorporated and its affiliates (“BofA Merrill Lynch”). Indices and related information,the name “BofA Merrill Lynch”, and related trademarks, are Intellectual property licensed from BofA Merrill Lynch, andmay not be copied, used, or distributed. Without BofA Merrill Lynch's prior written approval. The products of licenseeAmerican General Life Insurance Company have not been passed on as to their legality or suitability, and are notregulated, issued, endorsed, sold, guaranteed or promoted by BofA Merrill Lynch.BOFA MERRILL LYNCH MAKES NOWARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, ANY RELATED INFORMATION, ITSTRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, ITS QUALITY, ACCURACY,SUITABILITY AND/OR COMPLETENESS).

The ML Strategic Balanced Index (the “Index”) is the property of Merrill Lynch, Pierce, Fenner & Smith Incorporated,which has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) to calculate and maintain theIndex. The Index is not sponsored by S&P Dow Jones Indices or its affiliates or its third party licensors (collectively,“S&P Dow Jones Indices”. S&P Dow Jones Indices will not be liable for any errors or omissions in calculating the Index.“Calculated by S&P Dow Jones Indices” and the related stylized mark(s) are service marks of S&P Dow Jones Indicesand have been licensed for use by Merrill Lynch, Pierce, Fenner & Smith Incorporated.

ModifiedEndowment

Contract

The Technical and Miscellaneous Revenue Act of 1988 (“TAMRA”), which is effective for policies issued after June 21,1988, classifies certain policies as Modified Endowment Contracts (“MEC”). A life insurance policy becomes a MEC,as defined in section 7702A of the Internal Revenue Code, if at any time during the first seven policy years, the actualpremiums paid exceeds the sum of an annually paid "7-Pay Premium". If a policy violates the 7-Pay Premium test, itmay be classified as a MEC retroactively to the time that it was issued. The 7-Pay Premium is the level annual premiumthat could fund all future benefits without regard to loads and expenses under the policy in seven years. All distributions,including loans, from a MEC may be taxable to the extent there is a gain in the policy. In addition, such distributionsprior to age 59 1/2 may be subject to an additional 10.00% penalty. Changes made at any time to a policy will affectthe TAMRA 7-Pay Premium. If appropriate, the Owner should discuss the transaction with his insurance, legal, and/ortax advisors.

MEC Status Based on our understanding of the Internal Revenue Code a policy issued and maintained consistent with the assumptionsin this illustration would not be a MEC at issue or become one thereafter.

Whether and when your policy might actually become a MEC depends on the timing and amounts of premium paymentsand Withdrawals, the policy's non-guaranteed elements, your actual use of the policy's options, and any policy changesmade pursuant to your request. The federal income tax consequences of a MEC can be significant. Consult your taxadvisor for further details.

PolicyAssignment

During the lifetime of the Insured, unless restricted by federal tax law. You may assign this policy as security for anobligation, subject to approval by any irrevocable beneficiary. Your right to assign this policy may be limited by themethod chosen to pay Death Benefit Proceeds. We will not be bound by an assignment unless it is received In Writingat Our Home Office. Your rights and those of any other person referred to in this policy will be subject to the assignment.The assignment, unless You specify otherwise, will take effect on the date that You signed the notice of assignment,subject to any payments made or actions taken by Us before We receive such assignment. Two copies of the assignmentmust be submitted. We will retain one copy and return the other. We will not be responsible for the validity or taxconsequences of any assignment.

Policy Changesand Extending

Coverage

AGL will not permit a change to the policy that would result in the policy not meeting the definition of life insurance undersection 7702 of the Internal Revenue Code. The 2001 CSO Mortality Tables provide a stated termination date of age121. The Option to Extend Coverage allows the policy to continue beyond age 121. The tax consequences of extendingthe Maturity Date beyond the age 121 termination date of the 2001 CSO Mortality Tables are unclear. The Owner shouldconsult with a personal tax adviser about the effect of any changes to the policy as it relates to section 7702 and thetermination date of the Mortality Tables since, after the insured reaches the attained age of 121, this policy may notqualify as life insurance under the federal income tax definition of life insurance and may be subject to adverse taxconsequences.


®



Policy Loans,Surrenders and

SpecifiedAmount

Reductions

Generally, surrenders from a policy that is not a MEC are not taxable until the amount surrendered exceeds the total ofthe premiums paid, which represents the Owner’s basis in the policy. However, when there is a reduction in the SpecifiedAmount as a result of a partial surrender or at the Owner’s request, there may be a taxable event. A portion of the amountwithdrawn may be taxable under the “Recapture Ceiling Test” described under section 7702(f)(7) of the Internal RevenueCode even if the surrender does not exceed the Owner’s basis in the policy. Reductions in the Specified Amount mayforce a distribution of cash from the policy, a portion of which may be taxable. The Owner should verify whether a taxis incurred before taking surrenders or requesting a reduction in the Specified Amount during the first 15 policy years.Loans are not taxable as long as the policy is not a MEC and remains in force. If a policy lapses or is surrendered, anyoutstanding loans will be treated as if they were distributions and will be subject to income tax to the extent they exceedthe Owner’s basis in the policy.

AGL notProviding Legal

or Tax Advice

This material is not intended or written by AGL to be used, and it cannot be used by any taxpayer, for the purpose ofavoiding penalties imposed on the taxpayer. This material is written to support the promotion or marketing of thetransaction(s) or matter(s) addressed by this material. Any taxpayer should seek advice from an independent tax advisor.

Although the information contained in this illustration is based on our understanding of the Internal Revenue Code andon certain tax and legal assumptions, it is not intended to be tax or legal advice. Such advice should be obtained fromyour own counsel or other tax advisor. Tax laws or interpretations of tax laws can change. This may cause the performanceand underlying tax assumptions of this policy, including any riders, to be different than illustrated. For example, tax lawchanges may result in distributions that are more or less than illustrated. In some cases, these changes could result ina decrease in policy values or lapse. After the first policy year, you should periodically request an in-force illustrationfrom your insurance producer to monitor your policy’s performance in light of any tax law changes. Your actual taxesmay be different from what is illustrated.

Replacement ofExisting

Insurance

If the Owner is purchasing a new life insurance policy that will replace an existing policy or if the Owner is using thefunds from one policy to pay all or part of the premiums on a new policy, make sure that these actions are in the Owner’sbest interest. Many times it will be in the Owner’s best interest to keep or modify an existing policy. Depending uponthe type of policies involved, the Owner should gather information to compare such things as: premiums, guaranteedinterest rates, surrender charges, policy fees and expenses, cash surrender values, contract provisions, companyfinancial strength, and tax consequences. Ultimately, it is the Owner’s decision whether to proceed with the transaction.


®



ADDITIONAL INFORMATION REGARDING YOUR QoL SELECTCHOICE II ACCELERATED DEATH BENEFITRIDERS (ABRs)

The QoL SelectChoice II Accelerated Death Benefit Riders for Critical, Chronical and Terminal Illness are three valuableriders automatically included in your policy at no additional cost that allow you to access all or part of your QoL MaxAccumulator+ policy death benefit if you have a qualifying critical, chronic or terminal illness or condition. You can use thebenefit to help pay for the costs of treatment for qualifying illnesses or conditions - or any other expenses.

QoL SelectChoice II Accelerated Death Benefit Riders will pay the death benefit you elect to accelerate at a discounted amount because it isbeing paid prior to the actual time of death. However, the accelerated death benefit you receive is guaranteed to be no less than the guaranteedminimum benefit payout, which is a percentage of the death benefit accelerated. Actual payment will always be no less than the guaranteedminimum payout which takes into account outstanding loan amounts and premiums. The actual accelerated death benefit payment that we willoffer for acceleration will be based on our determination of the expected future mortality of a qualifying insured at the time an accelerated deathbenefit claim is made, and will be subject to an administrative charge, and payment of any unpaid but due policy premiums, and payment of apro rata amount of any policy loans if applicable. You can accelerate up to 100% of the death benefit, subject to a limit of the lesser of $2,000,000or any lesser amount set forth in your policy.

QoL SELECTCHOICE II CRITICAL ILLNESS ACCELERATED DEATH BENEFIT RIDER(Form # ICC15-15604)

The QoL SelectChoice II Critical Illness Accelerated Death Benefit Rider provides you access to your policy’s death benefit if you have one ofthe qualifying critical illnesses or conditions as specified below. There is a 30-day waiting period (90-day for Invasive Cancer) during which yourpolicy must be in-force before the benefit from this rider is available.

Qualifying Critical Illness• Major Heart Attack •Stroke •Major Organ Transplant •Paralysis •Severe Burn• Coronary Artery Bypass •Invasive Cancer •End Stage Renal Failure •Coma

Please see rider for the definitions of these qualifying illnesses or conditions.

Critical Illness BenefitIf you have a qualifying critical illness, you can file a claim and accelerate all or a portion of your policy’s death benefit. Your benefit will be paidin the form of a lump sum payment.

There is a guaranteed minimum benefit for the death benefit you choose to accelerate for a qualifying critical illness, depending on whether itis invasive cancer or other qualifying illness that is not invasive cancer. The actual critical illness accelerated death benefit amount available tobe paid as an accelerated death benefit will be based on our determination of the expected future mortality of a qualifying insured at the timean accelerated death benefit claim is made and will be at least as great as the guaranteed minimum benefit payout percentage multiplied bythe death benefit you choose to accelerate and less certain deductions.

If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, we will provide you with one (1) opportunity to elect a CriticalIllness Accelerated Death Benefit Amount as to the occurrence of the Qualifying Critical Illness in question. To make such an election, the Ownermust complete an election form and return it to AGL within 60 days of the owner’s receipt of the election form. For example, if you have aqualifying major heart attack, you will be provided an opportunity to elect a Critical Illness Accelerated Death Benefit Amount if you file a claim.If you elect not to receive an Accelerated Death Benefit, you will not be able to elect another Critical Illness Accelerated Death Benefit Amountfor the same major heart attack. However, if you have another qualifying illness event later, you can still choose to accelerate your remainingdeath benefit.

If, as to the occurrence of a Qualifying Critical Illness, You decide not to elect a Critical Illness Accelerated Death Benefit or if You decide toelect to receive less than the maximum Accelerated Death Benefit available for such Qualifying Critical Illness, You cannot thereafter elect aCritical Illness Accelerated Death Benefit and receive an Accelerated Death Benefit for the same occurrence of such Qualifying Critical Illness.

QoL SELECTCHOICE II CHRONIC ILLNESS ACCELERATED DEATH BENEFIT RIDER(Form # ICC15-15603)

The QoL SelectChoice II Chronic Illness Accelerated Death Benefit Rider provides you access to your policy’s death benefit if you have aqualifying chronic illness. There is a 30-day waiting period during which your policy must be in-force before the benefit from this rider is available.There is also an Elimination Period following the waiting period. The Elimination Period is a 90-day period in which you must be chronically illbefore you become eligible for an accelerated death benefit.This illustration is not a contract and is not intended to predict actual performance. It is not complete unless all pages are included.June 17, 2016 FCU500.000 FCP10,070.00 RD092613 / Winflex Web / Rev. 042016 / Rel. 2016.4.5 Page 35 of 42

®



Qualifying Chronic IllnessTo qualify as chronically ill, you must be certified by a Licensed Health Care Practitioner within the preceding 12-month period as:

• unable to perform, without Substantial Assistance from another person, at least two Activities of Daily Living (ADLs) for a period of at least90 consecutive days due to a loss of functional capacity; or

• Requires Substantial Supervision to protect such Insured Person from threats to health and safety due to Severe Cognitive Impairment;

ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating.

Severe Cognitive impairment is a loss or deterioration in intellectual capacity that is comparable to (and includes) Alzheimer’s disease andsimilar forms of irreversible dementia. Proof of the determination is required prior to receiving any accelerated death benefit.

Chronic Illness BenefitIf you have a qualifying chronic illness, you can file a claim to accelerate your death benefit. You can choose to receive your chronic illnessbenefit in one lump-sum payment or in periodic payments. We will divide the Chronic Illness Accelerated Death Benefit Amount you elect intoequal periodic payments over the requested period. If you request to receive the Chronic Illness Benefit in periodic payments beyond the 12-month period from the initial certification submitted in support of your claim, a new certification must be provided as described by the rider foreach benefit period.

For a qualifying chronic illness, the actual benefit paid will never be less than the Minimum Accelerated Death Benefit Amount calculated usingthe applicable percentages on the Minimum Accelerated Benefit Percentage page of the Rider Schedule. Under certain circumstances wherean insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Chronic Illness and,notwithstanding the Minimum Accelerated Benefit Amount provision, the accelerated death benefit may be zero. See the rider for details.

Payments received under this chronic illness accelerated death benefit rider are not part of a health, long-term care, or nursing home insurancepolicy and may not be sufficient to cover medical, nursing home or other bills.

Coordination of QoL SelectChoice II Chronic Illness Benefit Rider with Accelerated Access Solution RiderWhen you file a claim and are determined to be eligible to receive an Accelerated Access Solution benefit for a qualified chronic illness, anybenefit will be paid under the Accelerated Access Solution rider first. Once the benefit under this rider is exhausted, you may be paid under theQoL SelectChoice II Chronic Illness Benefit Rider if there is any benefit remaining available.

QoL SELECTCHOICE II TERMINAL ILLNESS ACCELERATED DEATH BENEFIT RIDER(Form # ICC15-15602)

QoL SelectChoice II Terminal Illness Accelerated Death Benefit Rider provides you access to your policy’s death benefit if you are terminally ill.

Qualifying Terminal IllnessA Qualifying Terminal Illness is an illness or physical condition that is diagnosed by a physician to be reasonably expected to result in the insured’sdeath within 24 months from the date of diagnosis.

Terminal Illness BenefitIf you have a qualifying terminal illness, you can file a claim and request a one-time full acceleration or partial acceleration of the policy’s deathbenefit. Your benefit will be paid in the form of a lump sum payment.

There is a Guaranteed Minimum Benefit for the death benefit you choose to accelerate for a qualifying terminal illness. The actual accelerateddeath benefit payment that we will offer for acceleration will be based on our determination of the expected future mortality of a qualifying insuredat the time an accelerated death benefit claim is made and will be at least as great as the Minimum Accelerated Benefit Amount, which is thegreater of (1) the guaranteed payout percentage multiplied by the death benefit you choose to accelerate, less any loan amount and premiumdue, or (2) the pro rata portion of the Cash Surrender Value corresponding to the accelerated death benefit.


®



Important ConsiderationsThe QoL SelectChoice II Accelerated Death Benefit Riders will impact the policy. The specified amount, policy values and outstanding loanbalances will be reduced if an accelerated death benefit is paid. You should contact your personal tax advisor for specific advice before exercisingthese benefits.

All provisions of the policy that do not conflict with this rider apply to this rider. Where there is any conflict between the rider provisions and thepolicy provisions, the rider provisions prevail.

You should consider that receiving or having the contractual right to receive any Accelerated Death Benefit payment may affect your eligibilityfor Medicaid, Social Security Income (SSI), or other government benefits or entitlements. You are advised to contact the Medicaid Unit of yourlocal Department of Public Welfare and the Social Security Administration for more information.

Benefits may be subject to taxation and may impact eligibility for Medicaid or other public assistance programs. Consult your legal and taxadvisor for more information and refer to the rider for qualifications, limitations and fees.

The owner should consult a competent tax advisor to determine the current tax consequences before requesting any accelerated death benefits.This rider is not intended to be a health contract, qualified long term care insurance contract under section 7702B(b) of the Internal RevenueCode or a non-qualified long term care insurance contract.

Disclosures Applicable to Critical Illness Accelerated Death Benefit Rider, Chronic Illness Accelerated Death Benefit Rider, and TerminalIllness Accelerated Death Benefit Rider

(1) When filing a claim for Qualifying Critical Illness under a Critical Illness Accelerated Death Benefit Rider, for Qualifying Chronic Illnessunder a Chronic Illness Accelerated Death Benefit Rider or for Qualifying Terminal Illness under a Terminal Illness Accelerated DeathBenefit Rider, the claimant must provide to the Company a completed claim form and then-current Certification which must be receivedat its Administrative Center.

(2) If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with one (1)opportunity to elect a Critical Illness Accelerated Death Benefit Amount as to the occurrence of the Qualifying Critical Illness in question.To make such an election, the Owner must complete an election form and return it to AGL within the Election Period set forth in the rider(i.e., within 60 days of the owner’s receipt of the election form). The Company will not provide a later opportunity to elect a Critical IllnessAccelerated Death Benefit Amount under a Policy as to the same occurrence of a Qualifying Critical Illness.

(3) If a benefit under the Chronic Illness Accelerated Death Benefit Rider or under the Terminal Illness Accelerated Death Benefit Rider ispayable, the Company will provide the Owner with an opportunity to elect a Chronic Illness Accelerated Death Benefit Amount as to theQualifying Chronic Illness in question or to elect a Terminal Illness Accelerated Death Benefit Amount as to the Qualifying Terminal Illnessin question, as applicable. To make an election, the Owner must complete an election form and return it to AGL within 60 days of theOwner’s receipt of the election form.

(4) Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantlychanged by a Qualifying Critical Illness or a Qualifying Chronic Illness and, notwithstanding the Minimum Accelerated Benefit Amountprovision, the accelerated death benefit may be zero.

(5) The failure to provide a required election form (with the requested attachments) within the Election Period provided by the applicablerider (i.e., within 60 days of the owner’s receipt of the election form) may preclude payment of a benefit.

(6) Benefits payable under an accelerated death benefit rider may be taxable. Neither American General Life Insurance Company nor anyagent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerningthe information and concepts contained in this material.

(7) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or aTerminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness.

The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRSForm 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included withour benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance.

(8) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated deathbenefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $2,000,000.


®



Supplemental Illustration: Loans and WithdrawalsFor guaranteed elements and other important information, please see the Basic Illustration.


Loan Type:

$10,218.00AnnualParticipating Loan

Current Loan Interest Charge: 4.76%Current Loan Interest Credited: 4.76%

Loans and Withdrawals

Year Age Premium Outlay1 Net Outlay Loan InterestCharged

Net Annual LoanInterest Credited

Accumulated LoanAmount Cash Surrender Value Death Benefit

1 50 10,218 10,218 0 0 0 0 500,000

2 51 10,218 10,218 0 0 0 0 500,000

3 52 10,218 10,218 0 0 0 6,317 500,000

4 53 10,218 10,218 0 0 0 15,808 500,000

5 54 10,218 10,218 0 0 0 25,987 500,000

Subtotal 51,090

6 55 10,218 10,218 0 0 0 36,643 500,000

7 56 10,218 10,218 0 0 0 50,165 500,000

8 57 10,218 10,218 0 0 0 64,626 500,000

9 58 10,218 10,218 0 0 0 79,600 500,000

10 59 10,218 10,218 0 0 0 96,171 500,000

Subtotal 102,180

11 60 10,218 10,218 0 0 0 113,594 500,000

12 61 10,216 10,216 0 0 0 132,811 500,000

13 62 10,218 10,218 0 0 0 152,931 500,000

14 63 10,218 10,218 0 0 0 174,990 500,000

15 64 10,218 10,218 0 0 0 198,110 500,000

Subtotal 153,268

16 65 10,218 10,218 0 0 0 222,536 500,000

17 66 0 -23,239 624 0 23,863 215,141 476,137

18 67 0 -23,239 1,817 0 48,919 207,635 451,081

19 68 0 -23,239 3,069 0 75,227 200,027 424,773

20 69 0 -23,239 4,384 0 102,849 192,330 397,151

Subtotal 163,486

1 A zero in the Premium Outlay column does not mean the policy is paid up. Charges are deducted from the Accumulation Value as long as the policy remains in force. Depending upon actual results, the Ownermay need to continue or increase premium payments.


®





Loan Type:







21 70 0 -23,239 5,765 0 131,853 184,783 368,147

22 71 0 -23,239 7,214 0 162,306 177,227 337,694

23 72 0 -23,239 8,736 0 194,281 169,711 305,719

24 73 0 -23,239 10,334 0 227,854 162,300 272,146

25 74 0 -23,239 12,012 0 263,104 155,083 236,896

Subtotal 163,486

26 75 0 -23,239 13,774 0 300,117 148,206 199,883

27 76 0 -23,239 15,624 0 338,980 141,812 165,852

28 77 0 -23,239 17,566 0 379,785 136,022 161,812

29 78 0 -23,239 19,606 0 422,629 130,602 158,264

30 79 0 -23,239 21,747 0 467,615 125,618 155,280

Subtotal 163,486

31 80 0 -23,239 23,995 0 514,848 121,141 152,941

32 81 0 -23,239 26,356 0 564,443 117,250 151,334

33 82 0 -23,239 28,835 0 616,516 114,012 150,539

34 83 0 -23,239 31,437 0 671,192 111,516 150,651

35 84 0 -23,239 34,170 0 728,601 109,846 151,768

Subtotal 163,486

36 85 0 -23,239 37,039 0 788,879 109,089 153,988

37 86 0 -23,239 40,052 0 852,169 109,305 157,379

38 87 0 -23,239 43,215 0 918,623 110,566 162,026

39 88 0 -23,239 46,536 0 988,398 112,937 168,004

40 89 0 -23,239 50,024 0 1,061,660 116,484 175,392

Subtotal 163,486



®





Loan Type:







41 90 0 -23,239 53,685 0 1,138,583 121,251 184,243

42 91 0 -23,239 57,530 0 1,219,352 127,271 194,602

43 92 0 -23,239 61,566 0 1,304,157 135,654 193,246

44 93 0 -23,239 65,805 0 1,393,200 146,940 193,144

45 94 0 -23,239 70,255 0 1,486,694 161,851 194,822

Subtotal 163,486

46 95 0 -23,239 74,928 0 1,584,861 181,267 198,928

47 96 0 -23,239 79,834 0 1,687,933 205,951 205,951

48 97 0 -23,239 84,986 0 1,796,158 234,832 234,832

49 98 0 -23,239 90,395 0 1,909,791 268,353 268,353

50 99 0 -23,239 96,074 0 2,029,103 307,001 307,001

Subtotal 163,486

51 100 0 -23,239 102,037 0 2,154,379 351,304 351,304

52 101 0 -23,239 108,298 0 2,285,915 401,842 401,842

53 102 0 0 114,248 0 2,400,163 483,200 483,200

54 103 0 0 119,958 0 2,520,121 573,487 573,487

55 104 0 0 125,953 0 2,646,074 673,537 673,537

Subtotal 163,486

56 105 0 0 132,248 0 2,778,322 784,253 784,253

57 106 0 0 138,858 0 2,917,180 906,617 906,617

58 107 0 0 145,798 0 3,062,978 1,041,698 1,041,698

59 108 0 0 153,085 0 3,216,062 1,190,652 1,190,652

60 109 0 0 160,736 0 3,376,798 1,354,740 1,354,740

Subtotal 163,486



®





Loan Type:







61 110 0 0 168,769 0 3,545,567 1,535,327 1,535,327

62 111 0 0 177,204 0 3,722,771 1,733,895 1,733,895

63 112 0 0 186,060 0 3,908,831 1,952,054 1,952,054

64 113 0 0 195,359 0 4,104,191 2,191,550 2,191,550

65 114 0 0 205,123 0 4,309,314 2,454,276 2,454,276

Subtotal 163,486

66 115 0 0 215,375 0 4,524,689 2,742,287 2,742,287

67 116 0 0 226,139 0 4,750,829 3,057,810 3,057,810

68 117 0 0 237,442 0 4,988,270 3,403,261 3,403,261

69 118 0 0 249,309 0 5,237,579 3,781,259 3,781,259

70 119 0 0 261,769 0 5,499,348 4,194,643 4,194,643

Subtotal 163,486

71 120 0 0 274,852 0 5,774,200 4,646,489 4,646,489

72 121 0 0 288,589 0 6,062,789 5,140,133 5,140,133

73 122 0 0 303,012 0 6,365,801 5,679,312 5,679,312

74 123 0 0 318,156 0 6,683,957 6,267,828 6,267,828

75 124 0 0 334,057 0 7,018,015 6,909,920 6,909,920

Subtotal 163,486

76 125 0 0 350,753 0 7,368,768 7,610,185 7,610,185

77 126 0 0 368,284 0 7,737,052 8,373,600 8,373,600

78 127 0 0 386,690 0 8,123,742 9,205,553 9,205,553

79 128 0 0 406,016 0 8,529,758 10,111,882 10,111,882

80 129 0 0 426,309 0 8,956,067 11,098,905 11,098,905

Subtotal 163,486



®





Loan Type:







81 130 0 0 447,615 0 9,403,682 12,173,466 12,173,466

82 131 0 0 469,987 0 9,873,669 13,342,971 13,342,971

Total 163,486



®



Client Input Summary

Company:

Product:

American General Life Insurance Company

QoL Max Accumulator+ IUL

June 17, 2016

2.51.00, 7.31.04

Insured

Client Name Mrs. VC

Sex Female

Date of Birth

Age 49

Class Preferred Non-Tobacco

Table Rating

Temporary Flat Extra

Permanent Flat Extra

State of Issue Idaho

Solve For

Solve For No Solve (Enter Face and Premium)

Face Amount 01 to 82 - 500,000

Premium 01 to 82 - 10,218

Supplemental Report for Income and IRR? Yes

Index Strategy

Allocation

Blended Participation Rate - MLSB 50

Participation Rate - S&P 500 0

High Cap Index Strategy - S&P 500 50

Core Cap Index Strategy - S&P 500 0

Declared Interest - Fixed Account 0

Total Allocation % MUST EQUAL 100% 100%

Illustrated Rate

Blended Participation Rate - MLSB 01 to 21 - 7.38

Participation Rate - S&P 500 01 to 21 - 7.35

High Cap Index Strategy - S&P 500 01 to 21 - 7.47

Core Cap Index Strategy - S&P 500 01 to 21 - 6.11

Maximum

Illustrated

Rate

Blended Participation Rate - MLSB 7.38%

Participation Rate Index Strategy 7.35%

High Cap Index Strategy - S&P 500 7.47%

Page 1 of 5


Company:

Product:



June 17, 2016

2.51.00, 7.31.04

Index Strategy - Cont'd

Core Cap Index Strategy - S&P 500 6.11%

Declared Interest - Fixed Account 2.65%

Current

Persistency

Bonus






Current

Cap Rate

Blended Participation Rate - MLSB NA

Participation Rate Index Strategy NA


Core Cap Index Strategy - S&P 500 10%

Current

Participation

Rate

Blended Participation Rate - MLSB 100%

Participation Rate Index Strategy 65%

High Cap Index Strategy - S&P 500 NA

Core Cap Index Strategy - S&P 500 NA

Guaranteed

Minimum






Disbursements

Disbursements Yes

Disbursements 01 to 16 - 0

17 to 52 - Solve for Max

Page 2 of 5


Company:

Product:



June 17, 2016

2.51.00, 7.31.04

Disbursements - Cont'd

Disbursements - Cont'd Yes

Disbursements - Cont'd 01 to 16 - 0

53 to 82 - 0

Disbursement Option Loans

Loan Type Participating Loan

Pay Loan Interest Borrow from policy

Disb. Target Surr Value 0

Disb. Target Year/Age @121

Increasing Payout Adjustment No

Increasing Payout Adjustment Percentage

Disbursement Mode Monthly

Illustrate Income For Life Rider No

Age to Start Benefits

Increasing Payout Adjustment

Increasing Payout Adjustment Percentage

Policy Options

Solve Illustrative Basis Current

Death Benefit Option 01 to 82 - Level

Face Amount Reduction No

Premium Payment Mode Annually

Death Benefit Compliance Test Guideline

External 1035 Amount

External 1035 Deposit Month 1

External 1035 Loan Balance 0

External 1035 Cost Basis 0

Internal 1035 Amount

Internal 1035 Loan Balance 0

Internal 1035 Cost Basis 0

Policy Is A Mec

Loan Type Participating Loan

External Lump Sum Amount 01 to 82 - 0

Internal Lump Sum Amount 01 to 82 - 0

Revised Illustration? No

Financial Institution? No

Discounts

Are you applying for QoL Flex Term at the same time as base UL Policy? No

Will you be the same owner as the Associated UL Policy?

Will you use the same ABC billing as the Associated UL Policy?

Page 3 of 5


Company:

Product:



June 17, 2016

2.51.00, 7.31.04

Discounts - Cont'd

Class

Table Rating

Permanent Flat

Temporary Flat

For Years

1 - Face Amount

Level Premium Period

2 - Face Amount


3 - Face Amount


4 - Face Amount


5 - Face Amount


Total Coverage

Riders

QoL Accelerated Benefit Riders - Critical, Chronic, Terminal Yes

Accelerated Access Solution No

AAS Death Benefit Percentage

Monthly Benefit Payout Amount

Maturity Extension Rider

Overloan Protection Rider

Waiver of Monthly Deduction No

Waiver Rating

Waiver of Specified Premium Rider No

Waiver Rating

Accidental DB No

Accidental DB Amount

Child Insurance Benefit No

Number of CIB Units

Age to End CIB Rider

Spouse/Other Insured Term Rider No

Spouse/OI Term Units

Spouse/OI Term Age to End

Spouse/OI Sex

Spouse/OI Age

Spouse/OI Smoker

Spouse/OI Table Rating

Select Income Rider No

Percentage of Death Benefit to Spread

Page 4 of 5


Company:

Product:



June 17, 2016

2.51.00, 7.31.04

Riders - Cont'd

Number of Installments

Reports

NAIC Compliant Illustration? Yes

Agent Pages? Yes

Summary Page? No

Policy Costs and Benefits Report? No

Premium Financing Report?

Amount to Pay out of Pocket

Percentage of Premium

Dollar Amount

Loan Rate %

IRC Sec 1035 Amount, Year 1

Loan Repayment

Monthly Low Point Report?

Agent Info

Agent Name Lee Rogers

Agent Company

Agent Address1

Agent Address2

Agent Address3

Agent City

Agent State Washington

Agent Zip Code

Agent Phone

Agent Fax

Agent Email

Agent License #

Access

Access Code

Access Code

Access Code

Page 5 of 5

Economy & Finance

AIG Sample Illustrations for Critical, Chronic & Terminal Illness Benefits