EXHIBIT (4)(e)



 AMERICAN GENERAL LIFE INSURANCE COMPANY 

RETURN OF PURCHASE PAYMENT OPTIONAL DEATH BENEFIT ENDORSEMENT 

This Endorsement is 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 within this Endorsement that are not defined in this Endorsement are
defined or otherwise described in the Contract to which this Endorsement is attached, including any endorsements or other riders attached to such Contract. 

This Endorsement replaces the “AMOUNT OF DEATH BENEFIT” and “SPOUSAL BENEFICIARY CONTINUATION” provisions
under the “DEATH PROVISIONS” section in the Contract. 
 TABLE OF CONTENTS 

 

					
	 Definitions
	  	 	Page 1	  
	 Endorsement Data Page
	  	 	Page 2	  
	 Amount of Death Benefit
	  	 	Page 2	  
	 Spousal Beneficiary Continuation
	  	 	Page 2	  

 For Inquiries Call [1-800-445-7862] 

DEFINITIONS 
 For the
purposes of this Endorsement, the following Definitions apply: 
 MAXIMUM ANNUAL WITHDRAWAL AMOUNT 

Maximum Annual Withdrawal Amount refers to guaranteed Withdrawals applicable only if You have elected an optional guaranteed living benefit or guaranteed
minimum withdrawal benefit and have not terminated the benefit under this Contract. 
 NET PURCHASE PAYMENT(S) 

Net Purchase Payment(s) are the sum of all Purchase Payment(s), reduced for each Withdrawal in the same proportion that the Contract Value is
reduced by each such Withdrawal. 
 WITHDRAWAL ADJUSTMENTS 

Withdrawal Adjustments refer to the term used to calculate how the amount of the Death Benefit will be adjusted for Withdrawals depending on the amount of the
Withdrawal and whether a guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and has not been terminated. 
 If a
guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and the benefit has not been terminated, the amount of the Death Benefit will be adjusted for Withdrawals as follows: 

 

	 	a.	 If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are less than or equal to the Maximum Annual
Withdrawal Amount, the amount of adjustment will be the amount of each Withdrawal; or 


  

	 	b.	 If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are in excess of the Maximum Annual Withdrawal
Amount, the amount of adjustment is equal to the proportion that the amount of each Withdrawal in excess of the Maximum Annual Withdrawal Amount reduces the Contract Value. 



  

					
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 ENDORSEMENT DATA PAGE 

 

			
	[OPTIONAL RETURN OF PURCHASE PAYMENT 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.]

 AMOUNT OF DEATH BENEFIT 

Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receiving all Required Documentation. The Death Benefit calculation
is different depending on whether a guaranteed living benefit or guaranteed minimum withdrawal benefit has been elected and if the benefit has been terminated. 

If You did not elect a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater
of: 
  

	 	1.	 The Contract Value on the Business Day during which We receive all Required Documentation; or 



 

	 	2.	 Net Purchase Payment(s) received prior to the Owner’s [86th] birthday.



 If You elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death
Benefit as the greater of: 
  

	 	1.	 The Contract Value on the Business Day during which We receive all Required Documentation; or 



 

	 	2.	 Purchase Payment(s) received prior to the Owner’s [86th] birthday reduced by (a) or
(b) as follows: 


  

	 	a)	 any Withdrawal Adjustments if the benefit has not been terminated; or 



 

	 	b)	 any Withdrawal Adjustments prior to the date the benefit is terminated, and reduced proportionately by any Withdrawals on and after the date the
benefit is terminated. 


 Spousal Beneficiary Continuation 

If the Spousal Beneficiary continues the Contract on the Continuation Date, the amount continued is calculated on the Business Day during which
We receive all Required Documentation. The Death Benefit calculation is different depending on whether a guaranteed living benefit or a guaranteed minimum withdrawal benefit has been elected and if the benefit has been terminated. 

If the Spousal Beneficiary was Age [85 or younger] on the Continuation Date, and if the Owner did not elect a guaranteed living benefit or a
guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	 The Contract Value on the Business Day during which We receive all Required Documentation; or 



 

	 	2.	 The Contract Value on the Continuation Date, plus Purchase Payment(s) received since the Continuation Date and prior to the Spousal
Beneficiary’s [86th] birthday, and reduced proportionately by any Withdrawals after the Continuation Date. 



  

					
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 If the Spousal Beneficiary was Age [85 or younger] on the Continuation Date, and if the Owner
elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	 The Contract Value on the Business Day during which We receive all Required Documentation; or 



 

	 	2.	 The Contract Value on the Continuation Date, plus Purchase Payment(s) received since the Continuation Date and 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 by 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 amount of the Death Benefit is the Contract Value on the Business Day during which We receive all Required Documentation. 

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





 

  

					
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