# EDGAR Filing Document

**Accession Number:** 0000729522
**File Stem:** 0001193125-23-025391
**Filing Date:** 2023-2
**Character Count:** 6892
**Document Hash:** 8cb5fc775ccb9201759ea076f4eaf154
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-23-025391.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001193125-23-025391

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**EFFECTIVENESS DATE**: 20230206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VARIABLE SEPARATE ACCOUNT
- **CENTRAL INDEX KEY:** 0000729522
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-185786
- **FILM NUMBER:** 23590088

**BUSINESS ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019
- **BUSINESS PHONE:** 3107726000

**MAIL ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** VARIABLE SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE INSUR CO
- **DATE OF NAME CHANGE:** 19930408

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AMERICAN PATHWAY II SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### VARIABLE SEPARATE ACCOUNT (Series ID: S000010595)

---

|  |  |
|:---|:---|
| Class Name                   | Class ID   |
| POLARIS ADVANTAGE 333-185786 | C000124645 |

---

## Series and Classes Contracts Data

### VARIABLE SEPARATE ACCOUNT (Series ID: S000010595)

| Class ID   | Class Name                   | Ticker Symbol   |
|:---|:---|:---|
| C000124645 | POLARIS ADVANTAGE 333-185786 |  |

**SUPPLEMENT DATED FEBRUARY 6, 2023 TO THE VARIABLE ANNUITY PROSPECTUSES** 

**AMERICAN GENERAL LIFE INSURANCE COMPANY** 

**VARIABLE ANNUITY ACCOUNT FIVE** 

Seasons Advantage Variable Annuity

Seasons Elite Variable Annuity

Seasons Preferred Solution Variable Annuity

Seasons Select II Variable Annuity

**VARIABLE SEPARATE ACCOUNT** 

Polaris Advantage Variable Annuity

Polaris Choice III Variable Annuity

Polaris Platinum II Variable Annuity

Polaris Preferred Solution Variable Annuity

**THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK** 

**FS VARIABLE ANNUITY ACCOUNT FIVE** 

Seasons Elite Variable Annuity

Seasons Select II Variable Annuity

**FS VARIABLE SEPARATE ACCOUNT** 

Polaris Advantage Variable Annuity

Polaris Choice III Variable Annuity

Polaris II Variable Annuity

Polaris Preferred Solution Variable Annuity

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This supplement updates certain information in the most recent prospectus. You should read this information carefully and retain this supplement for future reference together with the prospectus for your policy. This supplement is not valid unless it is read in conjunction with the prospectus for your policy. All capitalized terms used but not defined herein have the same meaning as those included in the prospectus.

**<u>MARKETLOCK FOR LIFE PLUS +7% EXTENSION</u>**

The information below is important to you if you purchased a contract **between February 4, 2008 and May 3, 2009** and you elected the MarketLock For Life Plus +7% Option living benefit. As described in the prospectus you received when you purchased the contract, the initial Income Base Evaluation Period ends after the tenth contract year. On or about your tenth contract anniversary you had an opportunity to extend the Income Base Evaluation Period for an additional 5-year period (the "Extension"). If you elected the first Extension, you will have the opportunity to elect a second Extension on or about your fifteenth contract anniversary for an additional 5 year period, as long as you have not elected to cancel the feature and the age of the Covered Person or younger of two Covered Persons is 85 or younger at the time of the second Extension.

In choosing the second Extension, your fee will change as detailed below. No other parameters or terms of your current living benefit will change as a result of the second Extension.

If you do not wish to elect the second Extension, no further action is required by you. Your living benefit will continue without change. You will continue to pay the same fee and can take the Maximum Annual Withdrawal Amount in effect at the end of the Income Base Evaluation Period. However, your Income Base will no longer be adjusted for higher anniversary values. **Please note that if you did not elect the first Extension when it was offered, you will not be permitted to extend the Income Base Evaluation Period at this time**. If you do not elect this second Extension, you will not be eligible for any subsequent Extensions in the future.

As with all important financial decisions, we recommend that you discuss this with your financial representative.

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For information on the MarketLock For Life Plus +7% Option living benefit you elected at the time of purchase, **please see the MarketLock For Life Plus section under OPTIONAL LIVING BENEFITS in the prospectus.** If you do not have a prospectus, you can call our Annuity Service Center at (800) 445-7862 and we will provide one to you. If you elect the second Extension, we will send you a new contract endorsement.

***How do I elect the second Extension?***

If you are eligible for the second Extension because you previously elected the first Extension and wish to elect the second Extension, you must complete the Election Form you will receive. The terms of the second Extension for contracts issued between February 4, 2008 and May 3, 2009 are detailed below. The Income Base Evaluation Period may be extended for an additional 5-year period provided you have not elected to cancel the feature and the age of the Covered Person or younger of two Covered Persons is 85 or younger at the time of the second Extension.

As a reminder, the Income Base Evaluation Period refers to the period of time over which we consider anniversary values. This component is used to calculate the Income Base, which determines your Maximum Annual Withdrawal Amount.

***What is the fee if I elect the second Extension?***

If you elect the second Extension, the fee for the living benefit will be increased by 0.05% as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Number of<br>Covered<br>Persons** | **Current Annualized Fee**<br> **After First Extension**<br> (calculated as a percentage of the Income Base) | **New Annualized Fee**<br> **After Second Extension**<br> (calculated as a percentage of the Income Base) |
| &nbsp;&nbsp;&nbsp;One | 1.00% | 1.05% |
| &nbsp;&nbsp;&nbsp;Two | 1.25% | 1.30% |

---

As a reminder, you also have the option to cancel your living benefit on any Benefit Year Anniversary after the tenth Benefit Year Anniversary. If you elect to cancel your living benefit, you will no longer receive the guarantees of the living benefit and you will no longer be charged the fee.

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