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EXHIBIT
(4)(d)




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 1]
	Amount of Death Benefit
	 	Page 2
	Spousal Beneficiary Continuation
	 	Page 2
	[Investment Requirements
	 	Page 2]
	Cancellation of the Return of Purchase Payment [Optional] Death Benefit Endorsement
	 	Page 2






DEFINITIONS



For the purposes of this Endorsement, the following Definition applies:




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.




[ENDORSEMENT DATA PAGE




	 	 	 

	RETURN OF PURCHASE PAYMENT

[OPTIONAL] DEATH BENEFIT CHARGE:

	 	[Prior to Your [76th]
birthday, ]You will be charged an
Annual fee of [0.15%] 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.
[On and after Your
[76th] birthday the
Annual fee charge will be [zero].]We
deduct this charge daily. This
charge is in addition to other
charges, fees and expenses described
in Your Contract.]






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




AGE-8027 (5/14)







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AMOUNT OF DEATH BENEFIT



Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receiving all Required
Documentation.



[[If] You are Age [75] or younger on the Contract Date and] Your death occurs prior to Age [76],]
We will calculate the Death Benefit as the great[er/est] 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 Your [86th] birthday[; or
	 
	 	3.	 	The Contract Value on the [5th] Contract Anniversary plus Purchase
Payments received since such Contract Anniversary and prior to Your [86th]
birthday, reduced proportionately by any Withdrawals after such Contract Anniversary].




[If You are Age [76] or older at the time of death, the amount of the Death Benefit is the Contract
Value on the Business Day during which We receive all Required Documentation.]




SPOUSAL BENEFICIARY CONTINUATION



If the Spousal Beneficiary (“Continuing Spouse”) continues the Contract on the Continuation Date,
We will contribute to the Contract any amount by which the Death Benefit exceeds the Contract
Value, calculated on the Business Day during which We receive all Required Documentation of the
Owner’s death.



If the Spousal Beneficiary was Age [75 or younger] on the Continuation Date, We will calculate the
Death Benefit as the great[er/est] 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, reduced proportionately by any Withdrawals after the Continuation Date[; or
	 
	 	3.	 	The Contract Value on the [5th] Contract Anniversary plus Purchase Payments
received since such Contract Anniversary and prior to the Spousal Beneficiary’s
[86th] birthday, reduced proportionately by any Withdrawals after such
Contract Anniversary].




[If the Spousal Beneficiary was Age [76] or older on the Continuation Date [or Age [76] or older at
the time of death], the amount of the Death Benefit is the Contract Value on the Business Day
during which We receive all Required Documentation and the Return of Purchase Payment [Optional]
Death Benefit Charge will no longer be deducted as of the Continuation Date.]




[Investment Requirements



[If You are Age [76] or older on the Contract Date,] We require that You allocate Your Purchase
Payment(s), Spousal Continuation Contribution, 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] automatic 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.]]



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Cancellation of the Return of Purchase Payment [Optional] Death Benefit Endorsement



You cannot cancel this Endorsement [in the first [5] Contract Years unless You surrender Your
Contract. You may cancel this Endorsement as detailed below. The Return of Purchase Payment Death
Benefit may not be re-elected or reinstated after cancellation. After cancellation, the Return of
Purchase Payment Death Benefit Charge will no longer be deducted].




[Cancellation Effective Date



Following Our receipt of Your Written request for cancellation, Your cancellation request will be
effective as follows:



If it is received:





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




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






	 	 	 

	
	 	





AGE-8027 (5/14)






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