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AMERICAN GENERAL LIFE INSURANCE COMPANY




PAYMENT ENHANCEMENT ENDORSEMENT


Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this
Payment Enhancement Endorsement (the “Endorsement”) becomes a part of the Contract to which it is
attached. Should any provision in this Endorsement conflict with the Contract, the provisions of
this Endorsement will prevail.



Subject to the terms and conditions set forth below, this Endorsement credits additional amounts to
Your Contract Value based on certain Purchase Payment(s) made to Your Contract prior to Age [86].




DEFINITIONS



For purposes of this Endorsement, the following definitions apply. Terms not defined in this
Endorsement shall have the same meaning given to them in the Contract.




PAYMENT ENHANCEMENT



Amounts allocated to Your Contract Value by Us. Payment Enhancements are not considered Purchase
Payments.




PAYMENT ENHANCEMENT RATE



The percentage applied to each Purchase Payment to calculate the Payment Enhancement.




PAYMENT ENHANCEMENT PROVISIONS




ALLOCATION OF PAYMENT ENHANCEMENTS



We will allocate Payment Enhancement(s) to available Variable Portfolio(s) and/or Fixed Account
Option(s) in the same proportion as each corresponding Purchase Payment. The Initial Payment
Enhancement Rate applicable to the Initial Purchase Payment is as shown on the Contract Data Page.



Payment Enhancement(s) for subsequent Purchase Payment(s) [are limited to the first two Contract
Years and] will be determined by the Payment Enhancement Rate in effect at the time Your subsequent
Purchase Payment is received by Us. We will send You a confirmation of the Payment Enhancement(s)
allocated to Your Contract Value.



If Your death occurs within 12 months of a Payment Enhancement being allocated to Your Contract, We
will deduct the Payment Enhancement from the Contract Value or Maximum Anniversary Value, if
applicable, when calculating the Death Benefit. Upon Spousal Beneficiary Continuation, if the
continuing spouse’s date of death occurs within 12 months of a Payment Enhancement being allocated
to the Contract, We will deduct the Payment Enhancement from the Contract Value or Maximum
Anniversary Value, if applicable, when calculating the Death Benefit payable to the continuing
spouse’s Beneficiary.




					
	 	 	 	 	 
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DURING THE RIGHT TO EXAMINE/RIGHT TO CANCEL PERIOD



If You cancel Your Contract and Your state law requires:





	1.	 	The return of Contract Value, unless required by applicable law or regulation,
We will refund the Contract Value as of the business day during which the Contract is
received by Us or Your written request to cancel is received by Us in good order. The
Contract Value is reduced by the amount of all Payment Enhancements We allocated to
Your Contract Value; or






	2.	 	The return of Purchase Payment(s), We will refund the Purchase Payment(s).




We reserve the right to allocate Your Payment Enhancement(s) to a Variable Portfolio with a cash
management objective until the end of the Right To Examine/Right To Cancel period.



Signed for the Company to be effective as of the Contract Date.




	 	 	 

	

	 	






					
	 	 	 	 	 
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