# EDGAR Filing Document

**Accession Number:** 0001051485
**File Stem:** 0001193125-25-171777
**Filing Date:** 2025-8
**Character Count:** 16296
**Document Hash:** ed224dd75d9cf4f5fbcdb759d0a4e0aa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-171777.hdr.sgml**: 20250801

**ACCESSION NUMBER**: 0001193125-25-171777

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20250801

**DATE AS OF CHANGE**: 20250801

**EFFECTIVENESS DATE**: 20250801

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AGL SEPARATE ACCOUNT VL-R
- **CENTRAL INDEX KEY:** 0001051485

**ORGANIZATION NAME:**
- **EIN:** 250598210
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-196172
- **FILM NUMBER:** 251177013

**BUSINESS ADDRESS:**
- **STREET 1:** 2727-A ALLEN PARKWAY
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77019
- **BUSINESS PHONE:** 713-522-1111

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AGL SEPARATE ACCOUNT VL R
- **DATE OF NAME CHANGE:** 19990907

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AMERICAN GENERAL LIFE INSURANCE CO SEPARATE ACCOUNT VL R
- **DATE OF NAME CHANGE:** 19971216

## Series and Classes Contracts Data

### AGL SEPARATE ACCOUNT VL-R (Series ID: S000000574)

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|  |  |
|:---|:---|
| Class Name            | Class ID   |
| Platinum Choice VUL 2 | C000144540 |

---

## Series and Classes Contracts Data

### AGL SEPARATE ACCOUNT VL-R (Series ID: S000000574)

| Class ID   | Class Name            | Ticker Symbol   |
|:---|:---|:---|
| C000144540 | Platinum Choice VUL 2 |  |

**SUPPLEMENT TO THE VARIABLE LIFE PROSPECTUS DATED APRIL 28, 2025** 

**AMERICAN GENERAL LIFE INSURANCE COMPANY** 

**VARIABLE UNIVERSAL LIFE POLICIES** 

**SEPARATE ACCOUNT VL-R** 

Platinum Choice VUL 2

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.

The following table replaces the information in the **Ongoing Fees and Expenses (annual charges)** section under the **FEES AND EXPENSES** table in the most recent Prospectus.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Annual Fee** | **Minimum** | **Maximum** |
| &nbsp;&nbsp;&nbsp; Investment options | 0.32% | 1.48% |

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The following replaces the last table in the **FEE TABLE** section of the most recent Prospectus.

**The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Policy. A complete list of Funds available under the Policy, including their annual expenses, may be found at the back of this document. Please see <u>APPENDIX A</u> – FUNDS AVAILABLE UNDER THE POLICY.** 

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Annual Fund Expenses** | **Minimum** | **Maximum** |
| &nbsp;&nbsp; <br> Expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses. | 0.23% | 1.48% |

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The following replaces **APPENDIX A - UNDERLYING FUNDS AVAILABLE UNDER THE CONTRACT** in the most recent Prospectus.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Type** | **Fund – Share Class**<br> *Adviser/*<br> *Sub-Adviser (if applicable)* | **Current <br>Expenses** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** |
| &nbsp;&nbsp;&nbsp;**Type** | **Fund – Share Class**<br> *Adviser/*<br> *Sub-Adviser (if applicable)* | **Current <br>Expenses** | **1 Year**<br>| **5 Year**<br>| **10 Year**<br>|
| &nbsp;&nbsp;&nbsp; **Balanced** | American Funds IS Asset Allocation Fund – Class 2<br> *Adviser: Capital Research and Management Company<sup>SM</sup>* | 0.55% | 16.44% | 8.32% | 8.32% |
| &nbsp;&nbsp;&nbsp; **Balanced** | Franklin Templeton Franklin Mutual Shares VIP Fund – Class 2<br> *Adviser: Franklin Mutual Advisers, LLC* | 0.93% | 11.27% | 5.75% | 5.83% |
| &nbsp;&nbsp;&nbsp; **Balanced** | SunAmerica ST SA JPMorgan Diversified Balanced Portfolio – Class 1 Shares<br> *Adviser: SunAmerica Asset Management, LLC*<br> *Sub-Adviser: J.P. Morgan Investment Management Inc.* | 0.73% | 9.53% | 6.32% | 6.24% |
| &nbsp;&nbsp;&nbsp; **Balanced** | VALIC Co. I Dynamic Allocation Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: SunAmerica Asset Management, LLC*<br> *Sub-Adviser: AllianceBernstein L.P.* | 0.84%\* | 12.72% | 5.55% | 5.84% |
| &nbsp;&nbsp;&nbsp; **Commodity** | PIMCO CommodityRealReturn<sup>®</sup> Strategy Portfolio – Administrative Class<br> *Adviser: Pacific Investment Management Company LLC* | 1.48%\* | 4.16% | 7.10% | 1.65% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Alger Capital Appreciation Portfolio – Class I-2 Shares<br> *Adviser: Fred Alger Management, LLC* | 0.95% | 48.13% | 17.84% | 15.55% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | LVIP American Century<sup>®</sup> Value Fund*<sup>3</sup>*<br> *Adviser: Lincoln Investment Advisors Corporation*<br> *Sub-Adviser: American Century Investment Management, Inc.* | 0.71%\* | 9.48% | 8.59% | 8.18% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | American Funds IS Growth Fund – Class 2<br> *Adviser: Capital Research and Management Company* | 0.59% | 31.63% | 18.83% | 16.58% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | American Funds IS Growth-Income Fund – Class 2<br> *Adviser: Capital Research and Management Company* | 0.53% | 24.23% | 13.02% | 12.20% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Fidelity<sup>®</sup> VIP Contrafund<sup>SM</sup> Portfolio – Service Class 2<br> *Adviser: Fidelity Management & Research Company (FMR)*<br> *Sub-Adviser: FMR Co., Inc.* | 0.81% | 33.45% | 16.74% | 13.33% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Fidelity<sup>®</sup> VIP Equity-Income Portfolio – Service Class 2<br> *Adviser: Fidelity Management & Research Company (FMR)*<br> *Sub-Adviser: FMR Co., Inc.* | 0.72% | 15.06% | 9.80% | 8.94% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Fidelity<sup>®</sup> VIP Growth Portfolio – Service Class 2<br> *Adviser: Fidelity Management & Research Company (FMR)*<br> *Sub-Adviser: FMR Co., Inc.* | 0.83% | 30.07% | 18.63% | 16.34% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Type** | **Fund – Share Class**<br> *Adviser/*<br> *Sub-Adviser (if applicable)* | **Current <br>Expenses** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** |
| &nbsp;&nbsp;&nbsp;**Type** | **Fund – Share Class**<br> *Adviser/*<br> *Sub-Adviser (if applicable)* | **Current <br>Expenses** | **1 Year**<br>| **5 Year**<br>| **10 Year**<br>|
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Fidelity<sup>®</sup> VIP Mid Cap Portfolio – Service Class 2<br> *Adviser: Fidelity Management & Research Company (FMR)*<br> *Sub-Adviser: FMR Co., Inc.* | 0.82% | 17.18% | 11.06% | 8.94% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Franklin Templeton Franklin Small Cap Value VIP Fund – Class 2<br> *Adviser: Franklin Mutual Advisers, LLC* | 0.91%\* | 11.71% | 8.36% | 8.17% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Invesco V.I. Growth and Income Fund – Series I Shares<br> *Adviser: Invesco Advisers, Inc.* | 0.75% | 16.00% | 10.07% | 8.80% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Janus Henderson Enterprise Portfolio – Service Shares<br> *Adviser: Janus Capital Management LLC* | 0.97% | 15.32% | 9.61% | 12.12% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Janus Henderson Forty Portfolio – Service Shares<br> *Adviser: Janus Capital Management LLC* | 0.80% | 28.14% | 15.12% | 15.36% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | MFS<sup>®</sup> VIT New Discovery Series – Initial Class<br> *Adviser: Massachusetts Financial Services Company* | 0.87%\* | 6.72% | 4.96% | 9.19% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | MFS<sup>®</sup> VIT Research Series – Initial Class<br> *Adviser: Massachusetts Financial Services Company* | 0.79%\* | 18.87% | 11.88% | 11.66% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Neuberger Berman AMT Mid Cap Growth Portfolio – Class I<br> *Adviser: Neuberger Berman Investment Advisers LLC* | 0.93% | 24.02% | 10.56% | 10.52% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | Seasons ST SA Multi Managed Mid Cap Value Portfolio – Class 3<br> *Adviser: SunAmerica Asset Management, LLC*<br> *Sub-Adviser: Massachusetts Financial Services Company* | 1.25% | 13.82% | 9.60% | 7.86% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | SunAmerica ST SA Wellington Capital Appreciation<br> *Portfolio – Class 3*<br> *Adviser: SunAmerica Asset Management, LLC*<br> *Sub-Adviser: Wellington Management Company LLP* | 0.99% | 41.41% | 16.69% | 15.14% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I Mid Cap Index Fund*<sup>4</sup>*<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: BlackRock Investment Management LLC* | 0.35%\* | 13.51% | 9.94% | 9.32% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I Mid Cap Value Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: Boston Partners Global Investors, Inc. d/b/a Boston Partners*<br> *Sub-Adviser: Wellington Management Company LLP* | 0.82% | 10.85% | 9.44% | 8.38% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I Nasdaq-100<sup>®</sup> Index Fund*<sup>4</sup>*<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: BlackRock Investment Management LLC* | 0.43%\* | 25.27% | 19.55% | 17.90% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I Science & Technology Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: Allianz Global Investors U.S. LLC*<br> *Sub-Adviser: T. Rowe Price Associates, Inc.*<br> *Sub-Adviser: Wellington Management Company LLP* | 0.91%\* | 32.60% | 17.23% | 17.41% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I Small Cap Index Fund*<sup>4</sup>*<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: BlackRock Investment Management LLC* | 0.37%\* | 11.21% | 7.02% | 7.52% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I Stock Index Fund*<sup>4</sup>*<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: BlackRock Investment Management LLC* | 0.23%\* | 24.66% | 14.17% | 12.74% |
| &nbsp;&nbsp;&nbsp; **Domestic**<br> **Equity** | VALIC Co. I U.S. Socially Responsible Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: SunAmerica Asset Management, LLC* | 0.36% | 18.61% | 11.99% | 11.50% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Type** | **Fund – Share Class**<br> *Adviser/*<br> *Sub-Adviser (if applicable)* | **Current <br>Expenses** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** | **Average Annual Total Returns** <br>**(as of 12/31/2024)** |
| &nbsp;&nbsp;&nbsp;**Type** | **Fund – Share Class**<br> *Adviser/*<br> *Sub-Adviser (if applicable)* | **Current <br>Expenses** | **1 Year**<br>| **5 Year**<br>| **10 Year**<br>|
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | American Funds IS American High-Income Trust – Class 2<br> *Adviser: Capital Research and Management Company<sup>SM</sup>* | 0.57%\* | 9.67% | 5.54% | 5.32% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | LVIP JPMorgan Core Bond Fund*<sup>2</sup>*<br> *Adviser: Lincoln Investment Advisors Corporation*<br> *Sub-Adviser: J.P. Morgan Investment Management Inc.* | 0.49%\* | 1.72% | 0.04% | 1.49% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | PIMCO Global Bond Opportunities Portfolio (Unhedged) – Administrative Class<br> *Adviser: Pacific Investment Management Company LLC* | 1.01% | -0.50% | -0.33% | 0.82% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | PIMCO Real Return Portfolio – Administrative Class<br> *Adviser: Pacific Investment Management Company LLC* | 0.84% | 2.13% | 1.93% | 2.16% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | PIMCO Short-Term Portfolio – Administrative Class<br> *Adviser: Pacific Investment Management Company LLC* | 0.66% | 6.05% | 2.76% | 2.40% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | PIMCO Total Return Portfolio – Administrative Class<br> *Adviser: Pacific Investment Management Company LLC* | 0.75% | 2.53% | -0.03% | 1.54% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | SA Goldman Sachs Government and Quality Bond Portfolio – Class 3<br> *Adviser: SunAmerica Asset Management, LLC*<br> *Sub-Adviser: Goldman Sachs Asset Management L.P.* | 0.83% | 0.90% | -0.92% | 0.62% |
| &nbsp;&nbsp;&nbsp; **Fixed**<br> **Income** | VALIC Co. I Core Bond Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: PineBridge Investments LLC* | 0.48%\* | 1.69% | 0.04% | 1.59% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | American Funds IS Global Growth Fund – Class 2<br> *Adviser: Capital Research and Management Company<sup>SM</sup>* | 0.66%\* | 13.68% | 9.76% | 10.74% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | American Funds IS International Fund – Class 2<br> *Adviser: Capital Research and Management Company* | 0.78% | 3.16% | 1.23% | 4.01% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | Invesco V.I. Global Fund – Series I Shares<br> *Adviser: Invesco Advisers, Inc.* | 0.82% | 16.07% | 9.48% | 9.85% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | Invesco V.I. Global Real Estate Fund – Series I Shares<br> *Adviser: Invesco Advisers, Inc.*<br> *Sub-Adviser: Invesco Asset Management Limited* | 1.02% | -1.80% | -2.39% | 1.52% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | Invesco V.I. EQV International Equity Fund – Series I Shares*<sup>1</sup>*<br> *Adviser: Invesco Advisers, Inc.* | 0.90% | 0.62% | 3.23% | 4.36% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | VALIC Co. I Emerging Economies Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: J.P. Morgan Investment Management Inc.* | 0.95% | 11.41% | 1.73% | 3.59% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | VALIC Co. I International Equities Index Fund*<sup>3</sup>*<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: BlackRock Investment Management LLC* | 0.43% | 3.13% | 4.27% | 4.86% |
| &nbsp;&nbsp;&nbsp; **International**<br> **Equity** | VALIC Co. I International Value Fund<br> *Adviser: The Variable Annuity Life Insurance Company*<br> *Sub-Adviser: Templeton Global Advisors Limited* | 0.78%\* | 8.43% | 4.41% | 3.74% |
| &nbsp;&nbsp;&nbsp; **Money**<br> **Market** | Fidelity<sup>®</sup> VIP Government Money Market Portfolio – Service Class 2<br> *Adviser: Fidelity Management & Research Company (FMR)*<br> *Sub-Adviser: Fidelity Investments Money Management, Inc.* | 0.52% | 4.82% | 2.17% | 1.44% |

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\* This Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Fund prospectus for additional information.

*<sup>1</sup>* Invesco V.I. International Growth Fund name changed to Invesco V.I. EQV International Equity Fund effective April 29, 2022.

*<sup>2</sup>* JPMorgan Insurance Trust Core Bond Portfolio is known as LVIP JPMorgan Core Bond Fund effective May 01, 2023.

*<sup>3</sup>*American Century VP Value Fund is known as LVIP American Century Value Fund effective April 26, 2024.

*<sup>4</sup>* BlackRock Investment Management, LLC is the subadvisor effective on or about April 30, 2025.

All references to the above tables in the prospectus are replaced accordingly.

Dated: August 1, 2025

Please keep this Supplement with your Prospectus

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