• Personal protection to safeguard your family's future
• Life events such as marriage or a new child
• Business protection
• Gifting from parents/grandparents on the life of children/grandchildren
• Converting from term coverage to lifelong protection

• With American Elite Whole Life, the death benefit will always be there as long as your premiums are paid
• Coverage amounts as low as $5,000 ($1,000 for term conversions)¹
• Death benefit proceeds paid income tax-free² to your beneficiaries. Proceeds paid equal the face amount less any unpaid premiums and policy debt
• Issue ages 0 - 70
• Minimum Death Benefit: $5,000

• Your American Elite Whole Life policy accumulates cash values that are guaranteed and easily accessible.³ That's a reliable financial resource for emergencies or to supplement college tuition or retirement income savings programs -- whatever the need and whenever it arises. Cash values grow tax-deferred.²
• The policy loan rate is 8 percent. Loans may be repaid at any time. Any unpaid loans and accrued loan interest will be deducted from the amount paid at death or policy surrender.

• Automatic Premium Loan: You can automatically borrow against your policy’s cash value to pay your premiums if elected in your application or requested before the end of an unpaid premium grace period. Interest is charged until the loan is repaid.
• Extended Term Insurance: To maintain your protection, term insurance is purchased in an amount equal to your policy face amount, less any debt owed. The length of coverage depends on the amount of cash value available to pay the term insurance premium. This option is only available on policies issued on standard rated insureds.
• Reduced Paid-Up Insurance: Keeps you protected by using your policy’s cash value, less any outstanding loans and interest due, to purchase a reduced, paid-up amount of whole life coverage
• Cash Surrender: You may choose to surrender your policy at any time and receive the cash value, less any outstanding loans and interest due⁴

• Premium Waiver:⁶ American General Life will waive your American Elite Whole Life premiums as they come due in the event the insured becomes totally disabled
• Child Riders: Provides level term protection for each covered child.
• Options to Purchase Additional Insurance (OPAI) and Guaranteed Insurability Options (GIO): Guarantees the insured the right to purchase additional insurance in the future, regardless of his/her health (for issue ages 21 and above, and 20 and under, respectively)
• Terminal Illness Rider: Provides an accelerated death benefit (living benefit) when the insured is diagnosed with a terminal illness (12 months or less to live)⁷
• 7-Year Renewable Convertible Term Rider: Provides renewable and convertible term insurance coverage to expiry (can be added to original policy issue only)

¹ In the state of Washington these amounts are $25,000 and $1,000 respectively.
² Based on current federal income tax laws.
³ Guarantees are subject to the claims-paying ability of American General Life Insurance Company (AGL).
⁴ Surrender may be a taxable event if the surrender proceeds are greater than the tax basis of the policy. Please consult your professional advisor for investment, tax, or legal advice. AGL cannot provide you advice on these matters.
⁵ 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.
⁶ This rider will not be available on policies with face amounts over $5 million.
⁷ Definition varies by state.

Policies issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, TX 77019

Policy Form Number MWL 02AG
7-Year Renewable Term Rider 7RCT 02 AG
Premium Waiver Rider WP-M 02 AG
Child Rider CI 02 AG
Option to Purchase Additional Insurance OPAI 02 AG
Guaranteed Insurability Option GIO 02 AG
Terminal Illness Accelerated Death Benefit Rider 91401

The underwriting risks, financial obligations and support functions associated with the products issued by AGL are its responsibility. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including AGL. AGL does not solicit business in the state of New York. Policies and riders not available in all states.