Document:

exv4wcc

AMERICAN GENERAL LIFE INSURANCE COMPANY

OPTIONAL PAYMENT ENHANCEMENT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this
Optional Payment Enhancement Endorsement (the “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.

Subject to the terms and conditions set forth below, this Endorsement credits additional amounts to
your Contract Value based on certain Purchase Payment(s) made to your Contract. This Endorsement
may not be elected with other Endorsements containing different Withdrawal Charges or schedules.

DEFINITIONS

For purposes of this Endorsement, the following definitions apply. Terms not defined in this
Endorsement shall have the same meaning given to them in the Contract.

CONTRACT ANNIVERSARY

Each consecutive one year period starting on the Contract Date.

PAYMENT ENHANCEMENT

A Payment Enhancement is an amount allocated to Your Contract Value by Us, and which is based on
the amount of Your Purchase Payment as of the Purchase Payment Date. Payment Enhancements are not
considered Purchase Payments.

PAYMENT ENHANCEMENT RATE

The applicable percentage of the Purchase Payment that is used to calculate the amount of Payment
Enhancement to be allocated to Your Contract Value on the Purchase Payment Date.

PURCHASE PAYMENT DATE

The date on which a particular Purchase Payment is made.

PAYMENT ENHANCEMENT SCHEDULE

We will allocate applicable Payment Enhancements to Your Contract Value according to the following
schedule:

	 	 	 	 	 
	Purchase Payment Date	 	Payment Enhancement Rate
	[before 1st Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 1st Contract Anniversary but before 2nd Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 2nd Contract Anniversary but before 3rd Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 3rd Contract Anniversary but before 4th Contract Anniversary]
	 	 	[4.00%]	 
	[On or after 4th Contract Anniversary]
	 	 	[0.00%]	 

ALLOCATION OF PAYMENT ENHANCEMENTS

We will allocate any Payment Enhancement to available Variable Portfolio(s) and/or Fixed Account
Option(s) in the same proportion as the Purchase Payment to which it applies is allocated.

ASE-6220 (12/10)

1

 

PAYMENT ENHANCEMENT DEDUCTION

During the Right To Examine/Right To Cancel period, if You can cancel Your Contract and this
Endorsement and if Your Contract requires:

	 	1.	 	The return of Contract Value, We will refund the Contract Value as of the
business day during which the Contract is received by Us reduced by the lesser of:
(a) the value of all Payment Enhancements as of the date on which We receive Your
request to cancel Your Contract; or (b) the amount of all Payment Enhancements We
allocated to Your Contract Value; or
	 
	 	2.	 	The return of Purchase Payment(s), We will refund the Purchase Payment(s).

	 	 	We reserve the right to allocate Your Payment Enhancement to a Variable Portfolio with a
cash management objective until the end of the Right To Examine/Right To Cancel period.

Signed for the Company to be effective as of the Contract Date.

	 	 	 

	

	 	

ASE-6220 (12/10)

2exv4wee

AMERICAN GENERAL LIFE INSURANCE COMPANY

OPTIONAL GUARANTEED LIVING BENEFIT

EXTENSION DATA PAGE ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this
Endorsement Data Page becomes a part of the Contract to which it is attached. Should any provision
in this Endorsement Data Page conflict with the Contract, the provisions of this Endorsement Data
Page will prevail.

Subject to the terms and conditions set forth in the Optional Guaranteed Living Benefit
Endorsement, this Extension Endorsement Data Page replaces the Endorsement Data Page of the
original Optional Guaranteed Living Benefit Endorsement.

ENDORSEMENT DATA PAGE

	 	 	 	 	 	 	 

	COVERED PERSON(S):

	 	[John Doe

Jane Doe]	 	 	 	 
	 
	 	 	 	 	 	 
	ENDORSEMENT EFFECTIVE DATE:

	 	[November 1, 2013]	 	 	 	 
	 
	 	 	 	 	 	 
	[EXTENSION AVAILABILITY DATE:

	 	November 1, 2018]	 	 	 	 
	 
	 	 	 	 	 	 
	ELIGIBLE PURCHASE PAYMENTS:

	 	Contract 

Year(s)
	 	Percentage

of Purchase 

Payment 

Included
	 	Eligible Purchase Payment
	 

	 	[1]
	 	[100%]
	 	Eligible Purchase Payment Limit
	 

	 	[2-5]
	 	[100%]
	 	In each Contract Year, [100%] of
Purchase Payments made in Contract
Year [1 (one)] not to exceed
Eligible Purchase Payment Limit
	 

	 	[6+]
	 	[0%]
	 	In each Contract Year, [0%] of
Purchase Payments made in Contract
Year [1 (one)] not to exceed
Eligible Purchase Payment Limit
	 
	 	 	 	 	 	 
	ELIGIBLE PURCHASE PAYMENT LIMIT:	 	The sum of Eligible Purchase Payments cannot exceed [$1,500,000] without prior Company approval
	 
	 	 	 	 	 	 
	ENDORSEMENT FEE:	 	Annual fee of [1.10%] of the Income Base deducted [quarterly] from Contract Value beginning [one] [quarter] following the
Endorsement Effective Date and ending on the termination of this Endorsement
	 
	 	 	 	 	 	 
	INCOME BASE EVALUATION PERIOD:	 	Beginning on the Endorsement Effective Date and ending [5] years later
	 
	 	 	 	 	 	 
	[GROSS] INCOME CREDIT PERCENTAGE:	 	[7%]
	 
	 	 	 	 	 	 
	INCOME CREDIT PERIOD:	 	Beginning on the Endorsement Effective Date and ending [5] years later
	 
	 	 	 	 	 	 
	INCOME CREDIT AVAILABILITY:	 	[At the end of each Benefit Year during the Income Credit Period]
	 
	 	 	 	 	 	 
	MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE:
	 	 	 	 	 	 
	 
	 	 	 	 	 	 
	 	 	Age at First Withdrawal	 	Percentage
	 	 	[Prior to Your 62nd Birthday]	 	[4%]
	 	 	[On or after Your 62nd Birthday]	 	[5%]
	 
	 	 	 	 	 	 
	MINIMUM INCOME BASE:	 	[200%] of [Eligible Purchase Payments received in Contract Year 1] [effective on the [10th] Benefit Year
anniversary provided no Withdrawals are taken before the [10th] Benefit Year anniversary].

For Inquiries Call [1-800-445-7862

ASE-6231E (10/10)

1

 

Signed for the Company to be effective on the Endorsement Effective Date.

	 	 	 

	
	 	

ASE-6231E (10/10)

2exv4wl

AMERICAN GENERAL LIFE INSURANCE COMPANY

PAYMENT ENHANCEMENT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate (“Contract”) to the contrary, this
Payment Enhancement Endorsement (the “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.

Subject to the terms and conditions set forth below, this Endorsement credits additional amounts to
Your Contract Value based on certain Purchase Payment(s) made to Your Contract prior to Age [86].

DEFINITIONS

For purposes of this Endorsement, the following definitions apply. Terms not defined in this
Endorsement shall have the same meaning given to them in the Contract.

PAYMENT ENHANCEMENT

Amounts allocated to Your Contract Value by Us. Payment Enhancements are not considered Purchase
Payments.

PAYMENT ENHANCEMENT RATE

The percentage applied to each Purchase Payment to calculate the Payment Enhancement.

PAYMENT ENHANCEMENT PROVISIONS

ALLOCATION OF PAYMENT ENHANCEMENTS

We will allocate Payment Enhancement(s) to available Variable Portfolio(s) and/or Fixed Account
Option(s) in the same proportion as each corresponding Purchase Payment. The Initial Payment
Enhancement Rate applicable to the Initial Purchase Payment is as shown on the Contract Data Page.

Payment Enhancement(s) for subsequent Purchase Payment(s) [are limited to the first two Contract
Years and] will be determined by the Payment Enhancement Rate in effect at the time Your subsequent
Purchase Payment is received by Us. We will send You a confirmation of the Payment Enhancement(s)
allocated to Your Contract Value.

If Your death occurs within 12 months of a Payment Enhancement being allocated to Your Contract, We
will deduct the Payment Enhancement from the Contract Value or Maximum Anniversary Value, if
applicable, when calculating the Death Benefit. Upon Spousal Beneficiary Continuation, if the
continuing spouse’s date of death occurs within 12 months of a Payment Enhancement being allocated
to the Contract, We will deduct the Payment Enhancement from the Contract Value or Maximum
Anniversary Value, if applicable, when calculating the Death Benefit payable to the continuing
spouse’s Beneficiary.

					
	 	 	 	 	 
	ASE-6257 (5/11)
	 	1
	 	 

 

 

DURING THE RIGHT TO EXAMINE/RIGHT TO CANCEL PERIOD

If You cancel Your Contract and Your state law requires:

	1.	 	The return of Contract Value, unless required by applicable law or regulation,
We will refund the Contract Value as of the business day during which the Contract is
received by Us or Your written request to cancel is received by Us in good order. The
Contract Value is reduced by the amount of all Payment Enhancements We allocated to
Your Contract Value; or

	2.	 	The return of Purchase Payment(s), We will refund the Purchase Payment(s).

We reserve the right to allocate Your Payment Enhancement(s) to a Variable Portfolio with a cash
management objective until the end of the Right To Examine/Right To Cancel period.

Signed for the Company to be effective as of the Contract Date.

	 	 	 

	

	 	

					
	 	 	 	 	 
	ASE-6257 (5/11)
	 	2exv4wm

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 modified as follows:

Maximum Anniversary Value Death Benefit

Upon Our receipt of all Required Documentation at Our Annuity Service Center, the Death
Benefit payable upon the death of the Owner will be calculated. The death benefit
calculation is different depending on whether a living benefit or guaranteed minimum
withdrawal benefit has been elected and if the benefit has been terminated.

If You were Age [80 or younger] on the Contract Date and did not elect a living benefit or
guaranteed minimum withdrawal benefit, 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 the

	 	i)	 	Your [83rd] birthday; or
	 
	 	ii)	 	Your date of death;

plus Purchase Payment(s) received since that Contract anniversary, but prior to Your
[86th] birthday, and this sum is reduced proportionately for any
Withdrawals since that Contract anniversary.

If You were Age [80 or younger] on the Contract Date and elected a living benefit or
guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greatest
of:

					
	 	 	 	 	 
	ASE-6235-PAVG (12/10)
	 	1
	 	 

 

 

	 	1.	 	The Contract Value for the NYSE business day during which We receive
all Required Documentation at Our Annuity Service Center; or
	 
	 	2.	 	Purchase Payment(s) received prior to Your [86th] birthday
reduced by a) or b) as follows:

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

	 	3.	 	The Maximum Anniversary Value that is equal to the greatest anniversary
value determined prior to the earlier of:

	 	i)	 	Your [83rd] birthday; or
	 
	 	ii)	 	Your date of death;

plus Purchase Payment(s) received since that Contract anniversary, but prior to
Your [86th] birthday, and this sum is reduced by a) or b) as follows:

	 	a)	 	any Withdrawal Adjustments if the benefit has not been
terminated;
	 
	 	b)	 	any Withdrawal Adjustments prior to the date the
benefit is terminated, and reduced proportionately for 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 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 [80 or younger] on the Continuation Date, and if the
Owner did not elect a living benefit or guaranteed minimum withdrawal benefit, 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.	 	The Contract Value on the Continuation Date, plus Purchase Payment(s)
received after the Continuation Date and prior to the Spousal Beneficiary’s
[86th] birthday and this sum is 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:

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

plus Purchase Payment(s) received after the Continuation Date and since that
Contract anniversary, and 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 age [80 or younger] 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 greatest of:

					
	 	 	 	 	 
	ASE-6235-PAVG (12/10)
	 	2
	 	 

 

 

	 	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 and prior to the Spousal Beneficiary’s
[86th] birthday and this sum is reduced by a) or b) as follows:

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

	 	3.	 	The Maximum Anniversary Value after the Continuation Date that is equal
to the greatest anniversary value determined prior to the earlier of:

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

plus Purchase Payment(s) received after the Continuation Date and since that
Contract anniversary, and prior to the Spousal Beneficiary’s [86th]
birthday and this sum is reduced by a) or b) as follows:

	 	a)	 	any Withdrawal Adjustments since that anniversary if
the benefit has not been terminated;
	 
	 	b)	 	any Withdrawal Adjustments since that anniversary but
prior to the date the benefit is terminated, and reduced proportionately
for any Withdrawals since that anniversary that occur on and after the date
the benefit is terminated.

Withdrawal Adjustments

If a 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:

	 	1.	 	If the current Contract Year’s cumulative Withdrawals, including the
current Withdrawal, are taken prior to your [81st] birthday and are less
than or equal to the Maximum Annual Withdrawal Amount, the amount of adjustment
will be the amount of each Withdrawal; or
	 
	 	2.	 	If the current Contract Year’s cumulative Withdrawals, including the
current Withdrawal, are taken on and/or after your [81st] birthday
and/or 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.

If the Spousal Beneficiary was age [81 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.

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

					
	 	 	 	 	 
	ASE-6235-PAVG (12/10)
	 	3
	 	 

 

 

AMERICAN GENERAL LIFE INSURANCE COMPANY

	 	 	 

	

	 	

					
	 	 	 	 	 
	ASE-6235-PAVG (12/10)
	 	4

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00216-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00216-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00216-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00216-of-00352.parquet"}]]