With a Platinum Investor FlexDirector policy, a portion of each premium will be allocated to your choice of investment options. You’ll be able to select from 44 variable options and one fixed-interest account to create a portfolio that’s suited to your needs — and reallocate as those needs change. Over the years, the policy’s earnings will compound on a tax-deferred basis,¹ allowing the cash value to grow according to the performance of your investment choices.² You can then access these funds via loans and withdrawals to fill a broad range of financial needs, from supplementing retirement income to starting your own business.^{3, 4}

Policy Highlights

• Protection for Your Family or Business - With payment of specified premium amounts, you are guaranteed the full amount of the death benefit during the no-lapse period (up to 10 years), even if the cash value of your policy falls to a level insufficient to pay the policy’s charges.⁵
• Control Over Your Coverage - Create your own personalized, diversified portfolio according to your individual goals and risk tolerance. As your needs change, you can adjust your portfolio accordingly through transfers among investment options.
• Investment Options - Platinum Investor FlexDirector combines the traditional benefits and tax advantages of life insurance with a wide range of investment options. Choose from a wide array of options, including 44 variable investment options and one fixed interest account.²
• Tax-Deferred Growth - The policy’s investment earnings compound tax-deferred,¹ providing the potential for growth in the policy’s cash value.²
• Issue Ages: 0 - 75

Available Benefits²

• Asset Allocation: Your American General Life representative can help you design an appropriate investment mix based on your individual risk tolerance, time horizon and personal investment objectives
• Automatic Rebalancing: To ensure that your profile retains your selected investment mix, your Platinum Investor FlexDirector accumulation value can be automatically rebalanced on a quarterly, semiannual or annual basis⁶
• Dollar Cost Averaging: Lets you balance out the highs and lows of investment option purchase prices by having a predetermined dollar amount automatically invested at regular intervals⁷

Additional Optional Riders That Add Flexibility ⁸

• Accidental Death Benefit - Pays an additional death benefit of up to $200,000 if the insured's death is accidental.
• Children's Insurance Benefit - Provides term life insurance coverage on the eligible children (dependent, up to age 19) of the person insured under the policy. It can be converted into any other insurance (except term) available for conversion.
• Maturity Extension - Both the Accumulation Value version and the Death Benefit version extend coverage past the original maturity date of age 100.⁹
• Spouse/Other Insured Term - Provides term insurance on the insured's spouse, up to two times the base policy's death benefit. It can be converted into any other insurance (except term) available for conversion.
• Terminal Illness - Provides an accelerated death benefit if the insured is diagnosed with a terminal illness and has less than 12 months to live.
• Waiver of Monthly Deduction - This rider provides a waiver of all monthly charges assessed for both your policy and any riders should you become totally disabled. Please note that this rider can only be purchased at the time the policy is issued.

¹ Based on current federal variable income tax laws.
² Past performance of the variable investment options is no guarantee of future results. Your cash value in the policy may increase or decrease daily depending on the performance of the investment options. There is no guaranteed minimum cash value. Investment managers may change.
³ Withdrawals in excess of your basis are taxable. Partial withdrawals and outstanding loans will reduce your death benefit and the cash value available to pay your insurance costs. Policy loans require an intent to repay. Otherwise, adverse federal income tax consequences may result, including a 10 percent penalty for premature withdrawals. Consult your tax advisor. See the current policy prospectus for complete terms and costs associated with these privileges.
⁴ Investment return and principal value of the variable subaccounts will fluctuate so that a policy owner’s units, when withdrawn or borrowed against, may be worth more or less than their original cost.
⁵ Guarantees are subject to the claims-paying ability of the issuing insurance company.
⁶ Not available if dollar cost averaging is selected.
⁷ Dollar cost averaging does not ensure a profit or protect against a loss in declining markets. An investor should consider his or her financial ability to continue purchases through periods of low price levels in order to utilize fully a dollar cost averaging program. Not available if automatic rebalancing is selected.
⁸ See the riders for complete details. There may be a charge for each rider selected. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.
⁹ Policies may be subject to tax consequences when continued beyond the maturity date. The policy may not qualify as life insurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option.

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

Variable universal life insurance policies issued by American General Life are distributed by American General Equity Services Corporation, member FINRA and a subsidiary company of American International Group, Inc.