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	American General

Life Insurance Company
	 	






	 	 	 	 	 	 	 	 	 

	Address mail to:

	 	Regular Mail
	 	Overnight Mail	 	 	 	 
	SunAmerica

	 	P.O. Box 54299
	 	21650 Oxnard Street, Suite 750	 	 	 	 
	Annuity Service Center

	 	Los Angeles, CA 90054-0299
	 	Woodland Hills, CA 91367-4997
	 	 1-800-445-7862
	 	 sunamerica.com






Extended Legacy Program Guide




What is the Extended Legacy Program?



The Extended Legacy Program is a death claim settlement program that provides claimants of
SunAmerica 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 sunamerica.com 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.4 Rev. 11.12





 









 








			
	 	 	 
	Extended Legacy Program Guide
	 	Page 2 of 2






Fees Associated With the Extended Legacy Program




	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	Separate	 	Contract
	 	 	 	 	 	 	Account	 	Maintenance
	Product Issued to Deceased	 	Charge1	 	Fee2
	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.	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	American Pathway

	 	Polaris Choice II
	 	Seasons Advantage	 	 	 	 	 	 	 	 
	Polaris

	 	Polaris Choice III
	 	Seasons Advisor	 	 	 	 	 	 	 	 
	Polaris NY

	 	Polaris Choice III NY
	 	Seasons Advisor II	 	 	 	 	 	 	 	 
	Polaris Rewards NY

	 	Polaris Choice IV
	 	Seasons Advisor III	 	 	 	 	 	 	 	 
	Polaris II

	 	Polaris Choice IV NY
	 	Seasons Elite	 	 	 	 	 	 	 	 
	Polaris II NY

	 	Polaris Platinum
	 	Seasons Preferred Solution	 	 	 	 	 	 	 	 
	Polaris II Rewards

	 	Polaris Platinum Rewards
	 	Seasons Select	 	 	 	 	 	 	 	 
	Polaris II Rewards NY

	 	Polaris Platinum II
	 	Seasons Select II
	 	 	1.15%	 	 	 	$35	 
	Polaris Advantage

	 	Polaris Platinum II Rewards
	 	Seasons Select II Rewards	 	 	 	 	 	 	 	 
	Polaris Advantage NY

	 	Polaris Platinum III
	 	Seasons Triple Elite	 	 	 	 	 	 	 	 
	Polaris Advantage II

	 	Polaris Platinum III NY
	 	WM Diversified Strategies	 	 	 	 	 	 	 	 
	Polaris Advisor

	 	Polaris Preferred Solution
	 	WM Diversified Strategies III	 	 	 	 	 	 	 	 
	Polaris Advisor III

	 	Polaris Preferred Solution NY
	 	WM Diversified Strategies III NY	 	 	 	 	 	 	 	 
	Polaris America

	 	Polaris Protector
	 	FSA Advisor	 	 	 	 	 	 	 	 
	Polaris Choice

	 	Polaris Protector Rewards	 	 	 	 	 	 	 	 	 	 
	Polaris Choice NY

	 	Seasons	 	 	 	 	 	 	 	 	 	 








 




			
	1	 	The 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.
	 
	2	 	A $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