EX-(4).(j)



 



 
 Address mail to: Regular Mail Overnight Mail

Annuity Service Center P.O. Box 15570 1050 North Western Street 
Amarillo, TX
79105-5570 Amarillo, TX 79106-7011 1-800-445-7862 
Extended Legacy Program Guide

What is the Extended Legacy Program? 
The Extended Legacy Program is a death
claim settlement program that provides claimants of Polaris, Advisor, and American Pathway variable annuities the opportunity to defer the distribution of claim proceeds while retaining full discretionary access to them. 
Extended Legacy Program 
There are two options for this program.
Option 1 This option enables the claimant to defer taking a full distribution until December 31st of the year containing the fifth anniversary of the deceased’s death. Any
amounts remaining in the account as of that date will automatically be distributed to the claimant. The claimant may take discretionary distributions of up to 100% of the current value of the death claim proceeds at any time during the five year
period. 
Option 2 This option enables the claimant to receive annual required minimum distributions, generally over the claimant’s life expectancy, beginning
no later than December 31st of the year following the year of the deceased’s death. The claimant may take discretionary distributions of up to 100% of the current value of the death claim proceeds at any time. 
Both options have tax implications that should be considered before making a decision. We recommend that you discuss your situation with a tax professional. 
Program Availability 
The Extended Legacy Program is available to claimants of products listed
on page 2. One or both options referenced above may not be available to certain claimants. Please review the Variable Annuity Death Claim form (SA2200POS, U2200POS in NY) for additional information. Contact our Annuity Service Center at (800)
445-7862 for information regarding availability. 
How Do I Use This Guide? 
If
you elect the Extended Legacy Program, the applicable fees, features and investment options available to you may differ from the fees, features and investment options available to the original deceased Owner. 
To review the applicable fees, features and investment options available to you: 
1. Identify
the product to which you are a claimant. The product name can be found in the upper-right corner of the deceased’s last quarterly statement. If this same product name is in the list of products on page 2 of this guide, you are eligible for the
Extended Legacy Program. If this product name is not in this list, this program is not available to you. Contact our Annuity Service Center if you need assistance.

2. Review the Variable Portfolio investment options available to you. Refer to the product prospectus you received with this Guide that lists the investment
options available to you. Additional information regarding the investment options can be found in the fund prospectus available at aig.com/annuities or through our Annuity Service Center. You will be mailed a copy of the fund prospectus for the
available investment options if you elect the Extended Legacy Program. 
3. Write your investment allocation instructions on the Death Claim form. Indicate your
investment allocation instructions on page 10, Section I, of the Variable Annuity Death Claim form. 
4. Review the product prospectus disclosure. The product
prospectus you received with this Guide includes important information about the administrative features available to you. Please review the sections of the prospectus related to 
Investment Options, Transfers, Dollar Cost Averaging, Systematic Withdrawal, Automatic Asset Rebalancing Program, Extended Legacy Program, Separate Account Expenses, Taxes and
Other Information. 
Variable annuities issued by American General Life Insurance Company or, in New York, by The United States Life Insurance Company in the City of
New York, NY. 
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 Fees Associated With the Extended Legacy Program

Separate Contract 
Product Issued to Deceased Account Maintenance 
Charge Fee1 
American Pathway 1.15% $35 
FSA Advisor 1.15% $0 
FSA Polaris 1.15% $35 
Polaris 1.52% $35 
Polaris II 1.52% $35 
Polaris II A-Class 0.85% $0 
Polaris Platinum O-Series 0.85% $35 
Polaris Platinum O-Series NY 0.85% $35 
Polaris II A-Class Platinum Series 0.85% $35

Polaris II Platinum Series 1.52% $35 
1A $30 contract maintenance fee applies
to certain contracts originally issued in New Mexico, New York and/or North Dakota. The contract maintenance fee will be waived if your account value exceeds $50,000 on each anniversary following your election of the Extended Legacy program.

EXTLEGJ.11