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AMERICAN GENERAL LIFE INSURANCE COMPANY

OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT



Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this
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 herein this optional Guaranteed Living Benefit
Endorsement provides for guaranteed income over the lifetime of the Covered Person(s). You may
take Withdrawals under the Guaranteed Living Benefit as prescribed by this Endorsement while this
Endorsement is in effect.




ENDORSEMENT DATA PAGE




	 	 	 

	COVERED PERSON(S):

	 	[John Doe

Jane Doe]
	 
	 	 
	ENDORSEMENT EFFECTIVE DATE:

	 	[November 1, 2009]
	 
	 	 
	ELIGIBLE PURCHASE PAYMENTS:

	 	1. [100%] of Purchase Payments received in the
[1st] Contract Year;
and
	 
	 	 
	 

	 	2. Purchase Payments received in each of Contract Years
[2-5], capped each year at an amount equal to [200%] of the
Purchase Payments received in Contract Year [1].

	 
	 	 
	[GROSS] PURCHASE PAYMENT LIMIT:

	 	The sum of [Eligible] Purchase Payments cannot exceed
[$1,500,000] without prior Company approval
	 
	 	 
	[SECURE VALUE ACCOUNT ALLOCATION:

	 	[10%] of every [Eligible] Purchase Payment(s)], Spousal
Beneficiary Contribution, and Payment Enhancements if
applicable]






ENDORSEMENT FEE:



The Endorsement Fee is assessed against the Income Base and deducted from the Contract Value at the end of each Benefit
[Quarter]. The Initial Annual Fee Rate is guaranteed not to change for the [first] Benefit [Year]. After the [first] Benefit
[Year], on each Benefit [Quarter Anniversary], we will (1) deduct the fee in effect for the previous Benefit [Quarter]; and
(2) determine the fee rate applicable to the next Benefit [Quarter]. The fee rate can increase or decrease each Benefit
[Quarter], subject to the minimums and maximums in the table below:




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Number of Covered	 	 	 	 	 	 	 	 	 	 	 	 	 	Maximum Annualized	 
	Persons on	 	 	 	 	 	 	 	 	 	 	 	 	 	Fee Rate Increase or	 
	Endorsement	 	Initial Annual	 	 	Maximum Annual	 	 	Minimum Annual	 	 	Decrease Each Benefit	 
	Effective Date	 	Fee Rate	 	 	Fee Rate	 	 	Fee Rate	 	 	Quarter*	 
	One Covered Person
	 	 	[1.10%]	 	 	 	[2.20%]	 	 	 	[0.60%]	 	 	 	+/- [0.25%]	 
	Two Covered Persons
	 	 	[1.35%]	 	 	 	[2.70%]	 	 	 	[0.60%]	 	 	 	+/- [0.25%]	 








 




			
	*	 	The fee rate can increase or decrease no more than [0.0625%] each quarter [(0.25%/4)].





	 	 	 

	[[GROSS] INCOME CREDIT PERCENTAGE:

	 	[6%]]
	[INCOME CREDIT PERIOD:

	 	Beginning on the Endorsement Effective Date and ending [12]
years later]






MAXIMUM ANNUAL WITHDRAWAL [AND PROTECTED INCOME PAYMENT] PERCENTAGES:




	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Maximum Annual Withdrawal	 	 	[Protected Income Payment	 
	 	 	Percentage	 	 	Percentage	 
	 	 	[(One Covered	 	 	[(Two Covered	 	 	[(One or Two Covered	 
	[Age at First Withdrawal]	 	Person)]	 	 	Persons)]	 	 	Person(s)]	 
	[Less than Age 65]
	 	 	[6.0%]	 	 	 	[5.5%]	 	 	 	[3.0%]	 
	[Age 65 and older]
	 	 	[6.0%]	 	 	 	[5.5%]	 	 	 	[4.0%]]	 






	 	 	 

	[MINIMUM INCOME BASE:

	 	[200%] of [Eligible Purchase Payments received in the
[1st] Benefit [Year]] [effective on the
[12th] Benefit [Year] Anniversary provided no
Withdrawals are taken before the [12th] Benefit
[Year] Anniversary.]






	 	 	 
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DEFINITIONS



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




AGE



The attained age as of the Covered Person’s last birthday. If there are two Covered Persons on the
Endorsement Data Page, the Age of the younger Covered Person or in the event of the death of one
Covered Person, the surviving Covered Person as of their last birthday.




BENEFIT ANNIVERSARY VALUE



The Contract Value including any applicable Payment Enhancement(s) or Spousal Beneficiary
Continuation contribution minus cumulative Ineligible Purchase Payments, as measured on each
Benefit [Year] Anniversary.




[BENEFIT [QUARTER]



Each consecutive [3 month] period starting on the Endorsement Effective Date.]




[BENEFIT [QUARTER] ANNIVERSARY



The date following each consecutive [3 month] period starting on the Endorsement Effective Date.
[If the next Benefit [Quarter] Anniversary is on any non-business day of the month [for which there
is no corresponding date] the Benefit [Quarter] Anniversary will be deemed to be the following
business day.]]




[BENEFIT [YEAR]



Each consecutive [one] [year] period starting on the Endorsement Effective Date.]




[BENEFIT YEAR ANNIVERSARY



The date on which each Benefit Year begins.]




CONTRACT YEAR



Each consecutive one year period starting on the Contract Date.




COVERED PERSON(S)



The person(s) named on the Endorsement Data Page whose lives are used to determine the amount and
duration of Withdrawals.




ELIGIBLE PURCHASE PAYMENTS



Purchase Payments or portions thereof made on or after the Endorsement Effective Date as shown on
the Endorsement Data Page that are included in the calculation of the Income Base. If this
Endorsement is added after the Contract Date, for purposes of determining the Income Base, [Income
Credit Base, if applicable], [and Minimum Income Base, if applicable,] [the Contract Value on the
Endorsement Effective Date is considered the initial Eligible Purchase Payment.] [and Purchase
Payments added prior to the Endorsement Effective Date are not considered Eligible Purchase
Payments]. The calculation of Eligible Purchase Payments does not include Payment Enhancements,
[Income Credits,] or Spousal Beneficiary Continuation contribution, if any.




ENDORSEMENT EFFECTIVE DATE



The date when this Endorsement becomes effective as shown on the Endorsement Data Page.




EXCESS WITHDRAWAL



Any Withdrawal in a Benefit [Year] taken after the Maximum Annual Withdrawal Amount has
been withdrawn, or any portion of a Withdrawal that causes the total Withdrawals in a Benefit
[Year] to exceed the Maximum Annual Withdrawal Amount.




HIGHEST ANNIVERSARY VALUE



The Benefit Anniversary Value that is the greater of (1) all Benefit Anniversary Values; and (2)
[Eligible] Purchase Payments, while this Endorsement is effective and the Contract Value is greater
than zero.




INCOME BASE



The Income Base is used to determine the Endorsement Fee, the Maximum Annual Withdrawal Amount and
the [Protected Income Payment].





	 	 	 
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[INCOME CREDIT



An amount that may be added to the Income Base during the Income Credit Period [that is equal to
the [Net] Income Credit Percentage multiplied by the Income Credit Base.]]




[INCOME CREDIT BASE



A factor which is used to determine the amount of any Income Credit during the Income Credit
Period.]




[INCOME CREDIT PERIOD



The period of time over which We calculate an Income Credit that may be added to the Income Base.]




INELIGIBLE PURCHASE PAYMENTS



Purchase Payments or portions thereof that are not included in the calculations of the Income
Base[, Minimum Income Base,] [and the Income Credit Base].




MAXIMUM ANNUAL WITHDRAWAL AMOUNT



The maximum amount that may be withdrawn each Benefit [Year] while the Contract Value is greater
than zero without reducing the Income Base [and the Income Credit Base, if applicable.]




MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE



The percentage, as referenced on the Endorsement Data Page used to determine the Maximum Annual
Withdrawal Amount available for Withdrawal each Benefit [Year] while the Contract Value is greater
than zero and the Covered Person(s) is living.




[MINIMUM INCOME BASE



The guaranteed minimum amount to which the Income Base [and the Income Credit Base, if applicable,]
could be increased on a specified Benefit [Year] Anniversary provided no Withdrawals are taken
before the [12th] Benefit [Year] Anniversary.]




[NET INCOME CREDIT PERCENTAGE



A percentage calculated as the difference between the [Gross] Income Credit Percentage as shown on
the Endorsement Data Page, and the percentage calculated as the sum of all Withdrawals taken during
the preceding Benefit [Year] divided by the Income Base before determining the Income Base for the
next Benefit [Year]].




[PROTECTED INCOME PAYMENT



The amount to be paid each [year] over the remaining lifetime of the Covered Person(s) after the
Contract Value is reduced to zero but the Income Base is still greater than zero.]




[PROTECTED INCOME PAYMENT PERCENTAGE



The percentage, as referenced on the Endorsement Data Page, used to determine the Protected Income
Payment.]




YOU, YOUR



The Covered Person(s) under this Endorsement.




GUARANTEED LIVING BENEFIT PROVISIONS



The Guaranteed Living Benefit described in this Endorsement provides for guaranteed Withdrawals
over the lifetime of the Covered Person(s), subject to the following provisions:




Calculation of the Factors of the Guaranteed Living Benefit



To determine the Guaranteed Living Benefit, We use the following factors: Income Base, [Income
Credit Base, Income Credit, [Net] Income Credit Percentage, Income Credit Period, Minimum Income
Base,] and Maximum Annual Withdrawal Amount. These factors are not used in the calculation of the
Contract Value or any other benefits under the Contract.



Calculation of the Income Base





Calculation of the Income Base if the Endorsement is Elected on the Contract Date




If this Living Benefit is elected on the Contract Date, the initial Income Base is equal to
the initial Eligible Purchase Payment.




Calculation of the Income Base if the Endorsement is Elected After the Contract Date




If this Living Benefit is elected after the Contract Date, the initial Income Base is [the
Contract Value on the Endorsement Effective Date,] which is considered the initial Eligible
Purchase Payment and is subject to the [Eligible] Purchase Payment limits shown on the
Endorsement Data Page.




	 	 	 
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Thereafter, on each Benefit [Year] Anniversary, the Income Base is automatically increased to the
greater of (a), or (b) where:





	 	(a)	 	is the Highest Anniversary Value; and
	 
	 	(b)	 	[is the current Income Base[, plus the Income Credit, if any].




The Income Base will continue to be calculated on each Benefit [Year] Anniversary while this
Endorsement is in effect and both the Contract Value and Income Base are greater than zero.



[Calculation of the Income Credit Base





Calculation of the Income Credit Base if the Endorsement is Elected on the Contract Date




The Income Credit Base is used to calculate the amount of the Income Credit [during the
Income Credit Period]. If this Living Benefit is elected on the Contract Date, the initial
Income Credit Base is equal to the initial Eligible Purchase Payment.




Calculation of the Income Credit Base if the Endorsement is Elected After the Contract Date




If this Living Benefit is elected after the Contract Date, the initial Income Credit Base is
[the Contract Value on the Endorsement Effective Date,] which is considered the initial
Eligible Purchase Payment and is subject to the [Eligible] Purchase Payment limits shown on
the Endorsement Data Page.



Thereafter, the Income Credit Base is increased and decreased as follows:




Increases in the Income Credit Base



The Income Credit Base increases each time Eligible Purchase Payments are made. [The Income Credit
Base also increases to the Highest Anniversary Value when the Income Base is increased to the
Highest Anniversary Value.]




Decreases in the Income Credit Base



The Income Credit Base decreases each time an [Excess] Withdrawal is taken, in the same proportion
by which the Contract Value is reduced [by the amount in excess of the Maximum Annual Withdrawal
Amount.]]




[Calculation of the Income Credit



On each Benefit [Year] Anniversary during the Income Credit Period, [if [Excess] Withdrawals were
not taken during the previous Benefit Year,] the Income Credit is determined by multiplying the
[Net] Income Credit Percentage by the Income Credit Base. If any [Excess] Withdrawals were taken in
the previous Benefit [Year], then the Income Credit is reduced to [zero] [for that Benefit
Year].]



[Calculation of the Minimum Income Base





Calculation of the Minimum Income Base if the Endorsement is Elected on the Contract Date




If this Living Benefit is elected on the Contract Date, the Minimum Income Base is as shown
on the Endorsement Data Page.




Calculation of the Minimum Income Base if the Endorsement is Elected After the Contract Date




If this Living Benefit is elected after the Contract Date, the Minimum Income Base is [200%
of] [the Contract Value on the Endorsement Effective Date,] which is considered the initial
Eligible Purchase Payment and is subject to the [Eligible] Purchase Payment limits shown on
the Endorsement Data Page.


The Income Base [and Income Credit Base, if applicable,] will be increased to at least the Minimum
Income Base on the [12th] Benefit [Year] Anniversary, provided no Withdrawals are taken
prior to that anniversary. If You are eligible for the Minimum Income Base, the Income Base on the
[12th] Benefit [Year] Anniversary] is the greater of (a) or (b), where:





	 	(a)	 	is the current Income Base; and
	 
	 	(b)	 	is the Minimum Income Base.]





Calculation of the Maximum Annual Withdrawal Amount



The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the Maximum
Annual Withdrawal Percentage as shown on the Endorsement Data Page [,which is determined by Your
Age at the time You first take a Withdrawal from Your Contract].



Withdrawals during a Benefit [Year] that in total are less than or equal to the Maximum Annual
Withdrawal Amount will not reduce the Maximum Annual Withdrawal Amount and the Income Base, [and
the Income Credit Base if applicable]. [If you take an [Excess] Withdrawal in a Benefit [Year],
the Income Credit is reduced to zero for that Benefit [Year].] If You choose





	 	 	 
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to take less than the Maximum Annual Withdrawal Amount in any Benefit [Year], You may not carry
over the unused amount for withdrawal in subsequent Benefit [Years]. Your Maximum Annual
Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the
entire Maximum Annual Withdrawal Amount in the prior year.



Withdrawals taken under this Living Benefit are treated like any other Withdrawal under the
Contract for purposes of calculating Contract Value, including any fees and charges applicable to
such Withdrawals and any other benefits under the Contract. In any Benefit [Year], Withdrawals up
to Maximum Annual Withdrawal Amount are free of Withdrawal Charges.




[Calculation of the Protected Income Payment



If the Contract Value is reduced to zero due to unfavorable investment performance, Withdrawal up
to the Maximum Annual Withdrawal Amount, if you live longer than expected, or any combination of
these factors, but the Income Base is still greater than zero, the Protected Income Payment is
calculated by multiplying the Income Base by the applicable Protected Income Payment Percentage,
[which is determined by Your Age at the time You first take a Withdrawal from Your Contract], as
shown on the Endorsement Data Page. You will receive the Protected Income Payment each year for
the remaining lifetime of the Covered Person(s).]




Increases and decreases in the Income Base and the impact to Your Maximum Annual Withdrawal Amount




Increases in the Income Base



The Income Base is increased anytime an Eligible Purchase Payment is allocated to Your Contract.
The Income Base is also increased [by any available Income Credit on any Benefit [Year] Anniversary
during the Income Credit Period, or] as a result of a Highest Anniversary Value being achieved
resulting in the Income Base being stepped up on a Benefit [Year] Anniversary. [In addition, the
Income Base can also be increased to the Minimum Income Base on the [12th] Benefit]
[Year Anniversary], provided no Withdrawals are taken before the [12th] Benefit [Year]
Anniversary].] In any Benefit [Year] during which Eligible Purchase Payments are allocated to Your
Contract, any remaining Withdrawals of the Maximum Annual Withdrawal Amount will be based on the
increased Maximum Annual Withdrawal Amount reduced by Withdrawals previously taken in that Benefit
[Year]. If the Income Base is increased on a Benefit [Year] Anniversary, the Maximum Annual
Withdrawal Amount will be recalculated on that Benefit [Year] Anniversary, applicable to the coming
Benefit [Year], by multiplying the increased Income Base by the applicable Maximum Annual
Withdrawal Percentage. The Endorsement Fee will be assessed on the increased Income Base.




Decreases in the Income Base



Excess Withdrawals reduce Your Income Base on the date the Excess Withdrawal occurs. Any Excess
Withdrawal in a Benefit [Year] reduces the Income Base in the same proportion by which the Contract
Value is reduced by the Excess Withdrawal. As a result of a reduction of the Income Base, the
Maximum Annual Withdrawal Amount will also be reduced. The new Maximum Annual Withdrawal Amount
will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal
Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit [Year] is
available for Withdrawal at the beginning of the next Benefit [Year] and may be lower than the
previous Benefit [Year’s] Maximum Annual Withdrawal Amount. When the Contract Value is less than
the Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than
the amount of the Excess Withdrawal. [In addition, no Income Credit will be added to the Income
Base in that Benefit [Year].]




Required Minimum Distributions



This provision applies only to the Contract to which this Endorsement is attached. If you are
taking Required Minimum Distributions and the Required Minimum Distribution amount, based only on
this Contract, is greater than the Maximum Annual Withdrawal Amount in any given Benefit [Year], no
portion of the Required Minimum Distribution will be treated as an Excess Withdrawal provided you
enroll in the Company’s systematic withdrawal program for Required Minimum Distributions. However,
any portion of a Withdrawal in a Benefit [Year] that is more than the greater of both the Maximum
Annual Withdrawal Amount and the Required Minimum Distribution amount will be considered an Excess
Withdrawal for the purpose of the recalculation of the [Income Credit Base,] Income Base and
Maximum Annual Withdrawal Amount. [Furthermore, the Income Credit will be reduced to zero if total
[Excess] Withdrawals taken in any Benefit [Year][,[including Required Minimum Distributions,] are
in excess of the Maximum Annual Withdrawal Amount.]]




If Your Contract Value is Reduced to Zero



If Your Contract Value is reduced to zero because of an Excess Withdrawal, no further benefits will
be payable under this Endorsement or the Contract, and Your Contract along with the Endorsement
will terminate. However, if Your Contract Value is reduced to zero due to unfavorable investment
performance and/or fees, Withdrawal up to the Maximum Annual Withdrawal Amount, if you live longer
than expected, or any combination of these factors, and the Income Base is greater than zero, We
will pay the remaining Maximum Annual Withdrawal Amount for that Benefit [Year] in the same
frequency withdrawals had been taken, i.e. monthly or quarterly. Thereafter, we will pay the
[Protected Income Payment] over the remaining lifetime of the Covered Person(s) which will be
calculated by multiplying the Income Base by the[ Protected Income Payment Percentage], as shown on
the Endorsement Data Page.




	 	 	 
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Because the Contract Value has been reduced to zero, the Income Base will no longer be increased to
the Highest Anniversary Value [nor will Income Credits be applied, if applicable]. In addition,
all other benefits under the Contract, will be terminated and You may no longer make subsequent
Purchase Payments or transfers, and no Death Benefit is payable.



When the Contract Value equals zero and the Income Base is greater than zero, to receive any
remaining Living Benefit, you must select one of the following options:





	 	1.	 	The [Protected Income Payment], divided equally and paid on a [monthly, quarterly,
semi-annual or annual] frequency as selected by You until the date of Your death(s); or
	 
	 	2.	 	Any payment option mutually agreeable between You and Us.




Once You elect a payment option, it cannot be changed. If You do not select a payment option
above, the remaining benefit will be paid as an amount based on the [Protected Income Payment
Percentage]. This amount will be divided equally and paid on a [quarterly] basis until the date of
death of the Covered Person(s).




Latest Annuity Date



If the Contract Value and the Income Base are greater than zero on the Latest Annuity Date, You
must select one of the following options:





	 	1.	 	Annuitize the Contract Value under the Annuity Provisions of the Contract; or
	 
	 	2.	 	Elect to receive the [Protected Income Payment,] as of the Latest Annuity Date, divided
equally and paid on a [monthly, quarterly, semi-annual or annual] frequency as selected by
You until the date of death of the Covered Person(s); or
	 
	 	3.	 	Any payment option mutually agreeable between You and Us.




If You do not select an option listed above, on the Latest Annuity Date, We may annuitize the
Contract Value in accordance with Annuity Provisions of the Contract, [Options 3 and 3V with 120
Monthly Payments Guaranteed] or payments that do not exceed Your life expectancy as required by the
IRS.




Investment Requirements



In addition to the Secure Value Account Allocation, we require that you allocate your Purchase
Payment(s), Spousal Continuation Contribution, and Payment Enhancements, if applicable, and
Contract Value in accordance with established requirements stated in the Prospectus. We require
enrollment in a [quarterly] automatic asset rebalancing program that complies with the investment
requirements. In addition to [quarterly] asset rebalancing, We will initiate rebalancing in
accordance with your most current and compliant automatic asset rebalancing instructions on file
after any Withdrawal or transfer You initiate.




[Secure Value Account Allocation



The Secure Value Account Allocation as shown on the Endorsement Data Page, is required only while
the Endorsement is effective. Amounts allocated to the Secure Value Account are not subject to the
Separate Account Charge. Amounts allocated to the Secure Value Account may not be transferred to
any other investment option as long as the Endorsement is effective and We will not rebalance
amounts allocated to the Secure Value Account in accordance with the automatic asset rebalancing
program. You may not transfer into or out of the Secure Value Account. You may not request the
entire amount of any withdrawal to be deducted solely from the Secure Value Account. Rather, any
Withdrawal reduces the amount invested in the Secure Value Account in the same proportion that the
Withdrawal reduces the Contract Value.]




Termination of Withdrawals Over Two Lives



If there are two Covered Persons on the Endorsement Effective Date, Withdrawals guaranteed for the
life of one of the Covered Persons will terminate if:





	 	1.	 	One of the two Covered Persons is removed from the Endorsement due to any reason other
than death; or
	 
	 	2.	 	The Covered Persons are no longer married at the time of death of the first Covered
Person.




Termination of Withdrawals guaranteed for the life of one Covered Person does not impact any other
terms and conditions of this Endorsement, including the applicable Endorsement Fee, which is based
on the number of Covered Persons on this Endorsement Effective Date.




[Cancellation of the Guaranteed Living Benefit



You cannot cancel this Endorsement [in the first [5] Benefit [Years] unless You surrender Your
Contract. You may cancel this Endorsement as detailed below. The Guaranteed Living Benefit may
not be re-elected or reinstated after a cancellation].





	 	 	 
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Cancellation Effective Date



If Your cancellation request is received:





	 	1.	 	In the first [5] Benefit [Year]s, the cancellation is effective [on the [5th]
Benefit [Year Anniversary;]
	 
	 	2.	 	In any Benefit [Year] after the [5th] Benefit [Year] Anniversary,] the
cancellation is effective [on the Benefit [Quarter] Anniversary] following Our receipt of
the cancellation request.]




This Endorsement and the Endorsement Fee will cancel automatically upon the occurrence of one of
the following:





	 	1.	 	Death of the Covered Person, or if there were two Covered Persons, upon the death of
the surviving Covered Person; or
	 
	 	2.	 	A Death Benefit is paid resulting in the Contract being terminated; or
	 
	 	3.	 	The Contract is annuitized; or
	 
	 	4.	 	An Excess Withdrawal that reduces the Contract Value and Income Base to zero; or
	 
	 	5.	 	Any change occurs that removes all Covered Persons from the Contract; or
	 
	 	6.	 	The Contract is cancelled or surrendered for any reason.




On the Cancellation Effective Date, amounts allocated to the Secure Value Account will be
automatically transferred to a [1-Year Fixed Account option], if available, [or the Cash Management
Variable Portfolio]. You may no longer allocate Purchase Payments to the Secure Value Account
after cancellation. From the day following the automated transfer, you may transfer this amount to
another available investment option under the Contract for a period of [90] [days] during which the
transfer will not count against the annual number of free transfers or incur a transfer fee.



If You cancel the Endorsement or surrender Your Contract while Your Contract Value is greater than
zero, We will assess a pro-rata charge for the Endorsement Fee applicable to the Benefit [Quarter]
in which the cancellation or surrender occurs if the Contract was cancelled or surrendered before
the end of a Benefit [Quarter]. The pro-rated charge is calculated by multiplying the fee by the
number of days between the date when the prior fee was last assessed and the date of cancellation
or surrender, divided by the number of days between the prior and the next Benefit [Quarter]
Anniversaries. Thereafter, You will no longer be charged a fee.




Death of Covered Person(s)



If there is one Covered Person and that person dies, this Endorsement and the Endorsement Fee will
be terminated.



If there are two Covered Persons, upon the first death, if the surviving Covered Person elects to
continue the Contract, this Endorsement is also continued. Upon the election of continuation, the
Endorsement Effective Date and applicable Endorsement Fee based on two Covered Persons will not
change.



Signed for the Company to be effective on the Endorsement Effective Date.




AMERICAN GENERAL LIFE INSURANCE COMPANY




	 	 	 

	
	 	







	 	 	 
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