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AMERICAN GENERAL LIFE INSURANCE COMPANY




MAXIMUM
ANNIVERSARY VALUE OPTIONAL

DEATH 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.
Capitalized terms used in this Endorsement have the same meaning as they have in the Contract.



This Endorsement modifies the “DEATH PROVISIONS” in the Contract as set forth below.




ENDORSEMENT DATA




	 	 	 

	MAXIMUM ANNIVERSARY VALUE OPTIONAL 

DEATH BENEFIT CHARGE:

	 	Annual fee of [0.25%] of the average
daily ending value of the assets
attributable to the Accumulation
Units of the Variable Portfolio(s)
to which Your Contract is allocated.
We deduct this charge daily. This
charge is in addition to other
charges, fees and expenses described
in Your Contract.





The “AMOUNT OF DEATH BENEFIT” provisions are replaced as follows:





Maximum Anniversary Value Death Benefit




If the Owner was age [82 or younger] on the Contract Date, upon Our receipt of all Required
Documentation at Our Annuity Service Center, We will calculate the Death Benefit as the
greatest of:




	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	Net Purchase Payment(s) received prior to the Owner’s [86th]
birthday; or
	 
	 	3.	 	The Maximum Anniversary Value that is equal to the greatest anniversary
value determined prior to the earlier of:






	 	a)	 	The Owner’s [83rd] birthday; or
	 
	 	b)	 	The Owner’s date of death;






	 	 	 	plus Purchase Payment(s) received since that Contract anniversary, but prior to the
Owner’s [86th] birthday, and reduced proportionately for any Withdrawals
since that Contract anniversary.






Spousal Beneficiary Continuation




If the Spousal Beneficiary continues the Contract on the Continuation Date and Upon Our
receipt of all Required Documentation at Our Annuity Service Center, the Death Benefit
payable upon the death of the Spousal Beneficiary will be as follows:




If the Spousal Beneficiary was age [82 or younger] on the Continuation Date, We will
calculate the Death Benefit as the greatest of:



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	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date but prior to the Spousal Beneficiary’s
[86th] birthday and reduced proportionately for any Withdrawals after
the Continuation Date; or
	 
	 	3.	 	The Maximum Anniversary Value after the Continuation Date that is equal
to the greatest anniversary value determined prior to the earlier of:






	 	a)	 	The Spousal Beneficiary’s [83rd] birthday;
or
	 
	 	b)	 	The Spousal Beneficiary’s date of death;






	 	 	 	plus Purchase Payment(s) received after the Continuation Date and since that
Contract anniversary, but prior to the Spousal Beneficiary’s [86th]
birthday, and this sum is reduced proportionately for any Withdrawals since that
Contract anniversary.






If the Spousal Beneficiary was at least age [83 but younger than age 86] on the Continuation
Date, and if the Owner did not elect a living benefit or a guaranteed minimum withdrawal
benefit, We will calculate the Death Benefit as the greater of:




	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date, but prior to the Spousal Beneficiary’s
[86th] birthday, and reduced proportionately for any Withdrawals after
the Continuation Date.






If the Spousal Beneficiary was at least age [83 but younger than age 86] on the Continuation
Date, and if the Owner elected a living benefit or guaranteed minimum withdrawal benefit, We
will calculate the Death Benefit as the greater of:




	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date but prior to the Spousal Beneficiary’s
[86th] birthday and reduced by:






	 	a)	 	any Withdrawal Adjustments after the Continuation Date
if the benefit has not been terminated; or
	 
	 	b)	 	any Withdrawal Adjustments after the Continuation Date
and prior to the date the benefit is terminated, and reduced
proportionately for any Withdrawals after the Continuation Date and on and
after the date the benefit is terminated.




If the Spousal Beneficiary was age [86 or older] on the Continuation Date, the Death Benefit will
be the Contract Value for the NYSE business day during which We receive all Required Documentation
at Our Annuity Service Center.



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Signed for the Company to be effective on the Contract Date.




AMERICAN GENERAL LIFE INSURANCE COMPANY




	 	 	 

	

	 	






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