EX-(4)(n)



 



 
 AIG Annuities Address mail to: Annuity Service Center 
Regular Mail P.O. Box 15570 Amarillo, TX 79105-5570 
Overnight Mail 1050 North Western Street
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 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. 
EXTLEGGEN.8 Rev. 7.15 








 



 
 Extended Legacy Program Guide Fees Associated With the Extended Legacy Program 
Page 2 of 2 
Product Issued to Deceased 
For all of the following products listed below, refer to the product prospectus sent to you with this Guide for a list of available investment options. 
Separate Account Charge1 
Contract Maintenance Fee2 
American Pathway Polaris Choice II Polaris Retirement Protector NY 
Polaris Polaris Choice III
Seasons 
Polaris NY Polaris Choice III NY Seasons Advantage 
Polaris Rewards NY
Polaris Choice IV Seasons Advisor 
Polaris II Polaris Choice IV NY Seasons Advisor II 
Polaris II NY Polaris Platinum Seasons Advisor III 
Polaris II Rewards Polaris Platinum Rewards
Seasons Elite 1.15% $35 
Polaris II Rewards NY Polaris Platinum II Seasons Preferred Solution 
Polaris Advantage Polaris Platinum II Rewards Seasons Select 
Polaris Advantage NY Polaris
Platinum III Seasons Select II 
Polaris Advantage II Polaris Platinum III NY Seasons Select II Rewards 
Polaris Advisor Polaris Preferred Solution Seasons Triple Elite 
Polaris Advisor III Polaris
Preferred Solution NY WM Diversified Strategies 
Polaris America Polaris Protector WM Diversified Strategies III 
Polaris Choice Polaris Protector Rewards WM Diversified Strategies III NY 
Polaris Choice NY
Polaris Retirement Protector FSA Advisor 
1The Separate Account Charge is deducted from the average daily ending net asset value allocated to the Variable
Portfolios. For more information, please see the product prospectus. 
2A $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. 
EXTLEGGEN.8