• Do you need a plan to help secure the financial well being of your family if you’re not there to care for them?
• Are you looking for tax-deferred new ways to help increase your wealth?
• Do you own a 401(k) or IRAs, but wonder what other means are available to increase your retirement income?
• What about college education? Many people are unaware that life insurance can provide an excellent way to generate cash to pay for children’s and grandchildren’s college.
• Are you a business owner looking for tax-smart ways to keep valuable employees and ensure the longevity of your business?

Policy Highlights

• Flexible death benefit options¹
• Flexible premium payments
• A selection of riders available to help customize your policy to provide additional coverage for children, spouse and more
• Plus, extra protection with a rider that provides a 20-year no lapse guarantee², available for no additional cost
• Issue Ages: 18 - 75
• Minimum face amount: $50,000

Available Riders and Key Benefits³

• Monthly Guarantee Premium Rider for the First 20 Years - Minimum premiums for lapse protection during the first 20 policy years. Included at no additional charge.
• Option to Extend Coverage - This option extends coverage past the original maturity date of age 121. If you select this option, you will receive the same death benefit that was in effect immediately prior to you policy’s original maturity date.⁴
• Overloan Protection Rider - When a VUL policy funds future financial needs with policy loans, this rider can provide a valuable benefit. When certain conditions are met, this rider can prevent your policy from lapsing because of loan indebtedness, thereby preventing you from receiving a potentially large tax bill.
• Guaranteed Minimum Withdrawal Benefit Rider - This rider provides a guaranteed income for a period of at least 10 years— regardless of your policy’s investment performance—as well as a guaranteed death benefit. There is an additional charge for this rider.
• Enhanced Early Cash Value Term Rider - Attaching this rider can increase early year cash values. There is an additional charge for this rider.

Additional Optional Riders That Add Flexibility

• Accidental Death Benefit Rider - Pays an additional death benefit of up to $200,000 if the insured's death is accidental.
• Waiver of Monthly Deduction Rider - 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.
• Children's Insurance Benefit Rider - Provides term life insurance coverage on the eligible children (dependent, up to age 19) of the person insured under the policy. It can be converted into any other insurance (except term) available for conversion.

¹ For complete details on how the death benefit is calculated, see current policy prospectus.
² Guarantees are subject to the claims-paying ability of The United States Life Insurance Company in the City of New York. For more complete details, see current prospectus.
³ Not all riders are available in all states. There may be a charge for each rider you select. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.
⁴ Policies may be subject to tax consequences when continued beyond the maturity date. Policy owners should consult a qualified tax advisor before electing this option. The policy may not qualify as life insurance under Internal Revenue Code after age 121.

Policies issued by:
The United States Life Insurance Company in the City of New York
A subsidiary of American International Group, Inc. (AIG)
70 Pine Street, New York, N.Y. 10270

Variable universal life insurance policies issued by USL and distributed by American General Equity Services Corporation, member FINRA, www.finra.org and a subsidiary of American International Group, Inc.