Document:

EX-(4).(g)

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT 

Notwithstanding any provision in the 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. 
 Subject to the terms
and conditions set forth herein this optional Guaranteed Living Benefit Endorsement provides for guaranteed income over the lifetime of the Covered Person(s) on this flexible premium deferred fixed and variable Annuity Contract. You may take
Withdrawals under the Guaranteed Living Benefit as prescribed by this Endorsement while this Endorsement is in effect. 
 The purpose
of the guaranteed living benefit provided under this annuity contract is to provide security through a stream of income payments to the owner. The guaranteed living benefit will terminate upon assignment or a change in ownership of the contract
unless the new assignee or owner meets the qualifications specified in the Termination provision of the guaranteed living benefit. 

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 riders or other endorsements attached to such Contract. 
 ENDORSEMENT DATA PAGE

  

			
	COVERED PERSON(S):	  	 [John Doe
 Jane
Doe]

		
	ENDORSEMENT EFFECTIVE DATE:	  	 [November 1, 2016]

		
	PURCHASE PAYMENT DOLLAR LIMIT:	  	 The sum of all Purchase Payments cannot exceed $1,000,000 without prior Company approval.

		
	PURCHASE PAYMENT RESTRICTION:	  	 Purchase Payments received on or after the first Contract Anniversary will not be accepted into the Contract.

		
	INVESTMENT REQUIREMENTS:	  	 Every Purchase Payment and Spousal Beneficiary Continuation contribution, if any, must be allocated by You in accordance
with the investment options approved by Us, which includes a mandatory allocation of every Purchase Payment and Spousal Beneficiary Continuation contribution, if any, to the Secure Value Account, as shown below. We will notify You of any change to
the permitted investment options.

		
	SECURE VALUE ACCOUNT ALLOCATION:	  	 [10%] of Purchase Payment(s) and Spousal Beneficiary Continuation contribution, if applicable

		
	 FREQUENCY AND DATES OF INCOME
 BASE
STEP-UPS:
	  	 Daily

  

					
	 AGE-8043 (4/16)
	  	1	  	

 ENDORSEMENT FEE: 

The Endorsement Fee is assessed against the Income Base and deducted from the Contract Value at the end of each Benefit Quarter starting 1
Benefit Quarter following the Endorsement Effective Date. The Initial Annual Fee Rate is guaranteed not to change for the first Benefit Year. After the first Benefit Year, on each Benefit Quarter Anniversary, we will (1) deduct the fee in effect for
the previous Benefit Quarter; and (2) determine the fee rate applicable to the next Benefit Quarter. The upcoming quarterly fee rate will be provided to the Owner(s) in a statement of account activity of the Contract. The fee rate can increase or
decrease each Benefit Quarter, but will never be less than the Minimum Annual Fee Rate and will never be more than the Maximum Annual Fee Rate, as shown in the table below: 

									
	 Number of Covered
Persons on

Endorsement
 Effective
Date
	  	
Initial Annual
 Fee
Rate
	  	
Minimum Annual
 Fee
Rate
	  	
Maximum Annual
 Fee
Rate
	  	
Maximum Annualized

Fee Rate Increase or

Decrease Each Benefit
Quarter*

	 One
Covered Person
	  	[1.10%]	  	[0.60%]	  	[2.20%]	  	+/- [0.25%]
	
Two Covered Persons
	  	[1.35%]	  	[0.60%]	  	[2.70%]	  	+/- [0.25%]

 *The fee rate can increase or decrease no more than 0.0625% each quarter (0.25%/4). 

MAXIMUM ANNUAL WITHDRAWAL AND PROTECTED INCOME PAYMENT PERCENTAGES: 

If no Withdrawals are taken in the first 5 Benefit Year(s) or the Age at the first Withdrawal of the Covered Person(s) is 68 or older, the
following table will always be used to determine the Maximum Annual Withdrawal and Protected Income Payment Percentages: 

									
	 Covered Person(s) Age  

at First Withdrawal
	  	
Maximum Annual Withdrawal

Percentage
	  	Protected Income Payment Percentage
	  	 (One
Covered
 Person)
	  	 (Two
Covered
 Persons)
	  	(One or Two
Covered Person(s))	  	
If the Income Base is increased on
or after Age 65

(One or Two Covered Person(s))

	 Less than Age 65
	  	[5.5%]	  	[5.0%]	  	[3.0%]	  	[4.0%]
	 Age 65 or older
	  	[6.0%]	  	[5.5%]	  	[4.0%]	  	[4.0%]

 If Withdrawals are taken in the first 5 Benefit Year(s) and the Age at the first Withdrawal of the Covered
Person(s) is less than Age 68, the following table will always be used to determine the Maximum Annual Withdrawal and Protected Income Payment Percentages: 

									
	
Covered Person(s) Age  

at First Withdrawal  
	  	
Maximum Annual Withdrawal

Percentage
	  	Protected Income Payment Percentage
	  	 (One
Covered
 Person)
	  	 (Two
Covered
 Persons)
	  	(One or Two
Covered Person(s))	  	
If the Income Base is increased on
or after Age 65

(One or Two Covered Person(s))

	 Less than Age 65
	  	[5.0%]	  	[4.5%]	  	[2.5%]	  	[3.5%]
	 Age 65 or older
	  	[5.5%]	  	[5.0%]	  	[3.5%]	  	[3.5%]

  

			
	EARLIEST CANCELLATION DATE OF THE GUARANTEED LIVING BENEFIT:	  	 The 4th Benefit Year Anniversary following the Endorsement Effective
Date

  

					
	 AGE-8043 (4/16)
	  	2	  	

 CHARGE FOR PARTIAL/FULL BENEFIT TERMINATION: 

You may incur a Charge for Partial/Full Benefit Termination if You take a partial Withdrawal that exceeds the Maximum Annual Withdrawal Amount
or a total Withdrawal of all Your Contract Value before the end of the 4th Benefit Year Anniversary following the Endorsement Effective Date. The Charge for Partial/Full Benefit Termination is
assessed against the amount in excess of the Maximum Annual Withdrawal Amount and deducted from: 

	 	1.	 The partial Withdrawal amount on the date a Withdrawal in excess of the Maximum Annual Withdrawal Amount is
taken; and 

	 	2.	 The Contract Value upon a total Withdrawal of all Your Contract Value. 

The Charge for Partial/Full Benefit Termination is shown below. 
  

			
	
NUMBER OF FULL BENEFIT YEARS    

ELAPSED SINCE ENDORSEMENT    

EFFECTIVE DATE    
	  	CHARGE
FOR    
PARTIAL/FULL BENEFIT    
TERMINATION*    
	0	  	4.00%
	1	  	3.00%
	2	  	2.00%
	3	  	1.00%
	4+	  	0.00%

 *Assessed as a percentage of the Withdrawal amount in excess of Maximum Annual Withdrawal Amount upon a partial
Withdrawal or the Contract Value in excess of Maximum Annual Withdrawal Amount, upon a total Withdrawal of all Your Contract Value. 

  

					
	 AGE-8043 (4/16)
	  	3	  	

 DEFINITIONS 

For purposes of this Endorsement, the following definitions apply. Terms not defined in this Endorsement shall have the same meaning as
defined in the Contract. 
 AGE 
 The
attained age as of the Covered Person’s last birthday. If there are two Covered Persons on the Endorsement Data Page, the Age of the younger Covered Person or in the event of the death of one Covered Person, the surviving Covered Person as of
their last birthday. 
 BENEFIT QUARTER 
 Each
consecutive 3-month period starting on the Endorsement Effective Date. 
 BENEFIT QUARTER ANNIVERSARY 

The date following each consecutive 3-month period starting on the Endorsement Effective Date. If the next Benefit Quarter Anniversary has no
corresponding date the Benefit Quarter Anniversary will be deemed to be the following day. 
 BENEFIT YEAR 

Each consecutive one year period starting on the Endorsement Effective Date. 

BENEFIT YEAR ANNIVERSARY 
 The date on which each Benefit
Year begins. 
 COVERED PERSON(S) 
 The
person(s) named on the Endorsement Data Page whose lives are used to determine the amount and duration of Withdrawals. The Covered Person(s) cannot be changed. 

EARLIEST CANCELLATION DATE OF THE GUARANTEED LIVING BENEFIT 

The earliest Benefit Year Anniversary is as shown on the Endorsement Data Page. This is the earliest date You may cancel this Endorsement. 

ENDORSEMENT EFFECTIVE DATE 
 The date when this
Endorsement becomes effective as shown on the Endorsement Data Page. 
 EXCESS WITHDRAWAL 

Any Withdrawal in a Benefit Year taken after the Maximum Annual Withdrawal Amount has been withdrawn and/or any portion of a Withdrawal that
causes the total Withdrawals in a Benefit Year to exceed the Maximum Annual Withdrawal Amount. 
 INCOME BASE 

The Income Base is used to determine the Endorsement Fee, Maximum Annual Withdrawal Amount and Protected Income Payment. 

MAXIMUM ANNUAL WITHDRAWAL AMOUNT 
 The
maximum amount that may be withdrawn each Benefit Year while the Contract Value is greater than zero and the Covered Person(s) is living, without reducing the Income Base. 

MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE 
 The
percentage, as referenced on the Endorsement Data Page used to determine the Maximum Annual Withdrawal Amount available for Withdrawal each Benefit Year while the Contract Value is greater than zero and the Covered Person(s) is living. 

PROTECTED INCOME PAYMENT 
 The amount to
be paid each year over the remaining lifetime of the Covered Person(s) after the Contract Value is reduced to zero but the Income Base is still greater than zero. 

PROTECTED INCOME PAYMENT PERCENTAGE 
 The percentage, as
referenced on the Endorsement Data Page, used to determine the Protected Income Payment. 

  

					
	 AGE-8043 (4/16)
	  	4	  	

 STEP-UP VALUE 

A value used to determine the Income Base that is equal to the current Contract Value if it is greater than the current Income Base. This value
is determined based on the Frequency and Dates of Income Base Step-ups, as shown on the Endorsement Data Page. 
 YOU, YOUR 

The Covered Person(s) under this Endorsement. 

GUARANTEED LIVING BENEFIT PROVISIONS 

The Guaranteed Living Benefit described in this Endorsement provides for guaranteed Withdrawals over the lifetime of the Covered Person(s),
subject to the following provisions: 
 Calculation of the Factors of the Guaranteed Living Benefit 

To determine the Guaranteed Living Benefit, We use the following factors: Income Base, Maximum Annual Withdrawal Amount, Maximum Annual
Withdrawal Percentage, Protected Income Payment and Protected Income Payment Percentage. These factors are not used in the calculation of the Contract Value or any other benefits under the Contract. 

Withdrawals taken under this Living Benefit are treated like any other Withdrawal under the Contract for purposes of calculating Contract
Value, including any fees and charges applicable to any other benefits under the Contract. In any Benefit Year, Withdrawals up to Maximum Annual Withdrawal Amount are not subject to the Charge for Partial/Full Benefit Termination shown on the
Endorsement Data Page. 
 Calculation of the Income Base 

The initial Income Base is equal to the initial Purchase Payment. 

Thereafter, if no Withdrawals have been taken, the Income Base is increased to the Step-up Value, based on the Frequency and Dates of
Income Base Step-ups. 
 After the first Withdrawal has been taken, the Income Base is increased only on the Benefit Year
Anniversary looking back to the Step-up Value based on the Frequency and Dates of Income Base Step-ups since the first Withdrawal (“first look-back”). 

After the first look-back, the Income Base is increased only on the Benefit Year Anniversary looking back to the Step-up Value
based on the Frequency and Dates of Income Base Step-ups since the last Benefit Year Anniversary. Thereafter, the Income Base will continue to be determined on each Benefit Year Anniversary while this Endorsement is in effect and both the
Contract Value and Income Base are greater than zero.  
 Calculation of the Maximum Annual Withdrawal Amount 

The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the Maximum Annual Withdrawal Percentage as shown on the
Endorsement Data Page, which is determined by the timing and Your Age at the time You first take a Withdrawal from Your Contract and the number of Covered Person(s) shown on the Endorsement Data Page. 

Withdrawals during a Benefit Year that in total are less than or equal to the Maximum Annual Withdrawal Amount will not reduce the Maximum
Annual Withdrawal Amount and the Income Base. If You choose to take less than the Maximum Annual Withdrawal Amount in any Benefit Year, You may not carry over the unused amount for withdrawal in subsequent Benefit Years. Your Maximum Annual
Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal Amount in the prior Benefit Year. 

Calculation of the Protected Income Payment 

If the Contract Value is reduced to zero due to unfavorable investment performance, Withdrawal up to the Maximum Annual Withdrawal Amount, or
any combination of these factors, but the Income Base is still greater than zero, You may be eligible to receive the Protected Income Payment. The Protected Income Payment is calculated by multiplying the Income Base by the applicable Protected
Income Payment Percentage, which is determined by Your Age at the time You first take a Withdrawal from Your Contract, as shown on the Endorsement Data Page. You will receive the Protected Income Payment each year for the remaining lifetime of the
Covered Person(s). 

  

					
	 AGE-8043 (4/16)
	  	5	  	

 Increases and Decreases in the Income Base and the Impact to Your Maximum Annual Withdrawal Amount

 Increases in the Income Base 

The Income Base is increased as a result of a Step-up Value being achieved resulting in the Income Base being stepped up on: (1) the
Frequency and Dates of Income Base Step-ups prior to taking any Withdrawals, or (2) a Benefit Year Anniversary after Withdrawals have been taken. The Income Base is also increased when a Purchase Payment is allocated to Your Contract subject to
the Purchase Payment Restriction shown on the Endorsement Data Page; consequently, any remaining Withdrawals of the Maximum Annual Withdrawal Amount will be based on the increased Maximum Annual Withdrawal Amount reduced by Withdrawals previously
taken in that Benefit Year. When the Income Base is increased as referenced in (1) and (2) above, the Maximum Annual Withdrawal Amount will be recalculated by multiplying the increased Income Base by the applicable Maximum Annual
Withdrawal Percentage. The Endorsement Fee will be assessed on the increased Income Base. 
 Decreases in the Income Base 

Excess Withdrawals reduce Your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal in a Benefit Year reduces the Income
Base in the same proportion by which the Contract Value is reduced by the Excess Withdrawal. As a result of a reduction of the Income Base, the Maximum Annual Withdrawal Amount will also be reduced. The new Maximum Annual Withdrawal Amount will be
equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit Year is available for Withdrawal at the beginning of the next Benefit Year
and may be lower than the previous Benefit Year’s Maximum Annual Withdrawal Amount. When the Contract Value is less than the Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than the amount of the Excess
Withdrawal. 
 The Income Base is a factor used to determine the Maximum Annual Withdrawal Amount and Protected Income Payment as well as
the Endorsement Fee. The Income Base is not an amount that You can withdraw in a lump sum and is not payable as a death benefit. Excess Withdrawals may reduce future benefits by more than the dollar amount of the Withdrawal. Excess Withdrawals will
incur a Charge for Partial/Full Termination if they occur during the applicable period indicated on the Endorsement Data Page. If You have any questions regarding whether a potential Withdrawal would be an Excess Withdrawal, please call Our Annuity
Service Center. 
 Required Minimum Distributions (RMD) 

This provision applies only to the Contract to which this Endorsement is attached. If you are taking RMD and the RMD amount, based only
on this Contract, is greater than the Maximum Annual Withdrawal Amount in any given Benefit Year, no portion of the RMD will be treated as an Excess Withdrawal provided you enroll in the Company’s systematic withdrawal program for RMD. However,
any portion of a Withdrawal in a Benefit Year that is more than the greater of both the Maximum Annual Withdrawal Amount and the RMD amount will be considered an Excess Withdrawal for the purpose of the recalculation of the Income Base and Maximum
Annual Withdrawal Amount. 
 If Your Contract Value Is Reduced to Zero 

If Your Contract Value is reduced to zero because of an Excess Withdrawal, no further benefits will be payable under this Endorsement or the
Contract, and Your Contract along with the Endorsement will terminate. However, if Your Contract Value is reduced to zero due to unfavorable investment performance and/or fees, Withdrawal(s) up to the Maximum Annual Withdrawal Amount (or if
applicable, the RMD amount as described above), or any combination of these factors, and the Income Base is greater than zero, We will pay the remaining Maximum Annual Withdrawal Amount for that Benefit Year in the same frequency withdrawals had
been taken, i.e. monthly or quarterly. Thereafter, we will pay the Protected Income Payment over the remaining lifetime of the Covered Person(s) which will be calculated by multiplying the Income Base by the Protected Income Payment Percentage, as
shown on the Endorsement Data Page. 
 Because the Contract Value has been reduced to zero, the Income Base will no longer be increased to a
Step-up Value and no Endorsement Fees will be deducted. In addition, all other benefits under the Contract with the exception of payment of the Protected Income Payment, will be terminated and You may no longer make subsequent Purchase Payments or
transfers, and no Death Benefit is payable. 
 When the Contract Value equals zero and the Income Base is greater than zero, to receive any
remaining Living Benefit, you must select one of the following payment options: 
  

	 	1.	 The Protected Income Payment, divided equally and paid on a monthly, quarterly, semi-annual or annual
frequency as selected by You until the date of Your death(s); or 

  

	 	2.	 Any payment option mutually agreeable between You and Us. 

  

					
	 AGE-8043 (4/16)
	  	6	  	

 Once You select a payment option, it cannot be changed. If You do not select a payment option
above, the remaining benefit will be paid as an amount based on the Protected Income Payment Percentage. This amount will be divided equally and paid on a quarterly basis until the date of death of the Covered Person(s). 

Latest Annuity Date 
 If the Contract
Value and the Income Base are greater than zero on the Latest Annuity Date, You must select one of the following options: 
  

	 	1.	 Annuitize the Contract Value under the Annuity Provisions of the Contract; or 

 

	 	2.	 Annuitize the Contract and elect to receive the current Maximum Annual Withdrawal Amount as of the Latest
Annuity Date for a fixed period while You are alive. The fixed period is determined by dividing the contract value on the Latest Annuity Date by the Maximum Annual Withdrawal Amount. Any applicable premium taxes will be deducted from the Contract
Value prior to determining the fixed period. After that fixed period ends, you will receive the Protected Income Payment, as of the Latest Annuity Date, divided equally and paid on a monthly, quarterly, semi-annual or annual frequency as selected by
You until the date of death of the Covered Person(s); or 

  

	 	3.	 Any payment option mutually agreeable between You and Us. 

If You do not select an option listed above, on the Latest Annuity Date, We may annuitize the Contract Value in accordance with Option 2
above, divided equally and paid on a quarterly frequency until the date of death of the Covered Person(s). Endorsement Fees are no longer deducted upon annuitization on the Latest Annuity Date. 

Secure Value Account Allocation(s) 
 If
applicable, Secure Value Account Allocation(s) is/are required only while the Endorsement is effective. Amounts allocated to the Secure Value Account(s) are not subject to the Separate Account Charge. Amounts allocated to the Secure Value Account(s)
may not be transferred to any other investment option as long as the Endorsement is effective and We will not rebalance amounts allocated to the Secure Value Account(s) in accordance with the automatic asset rebalancing program. You may not transfer
into or out of the Secure Value Account(s). You may not request the entire amount of any Withdrawal to be deducted solely from the Secure Value Account(s). Rather, any Withdrawal reduces the amount invested in the Secure Value Account(s) in the same
proportion that the Withdrawal reduces the Contract Value. 
 Investment Requirements 

If applicable, in addition to the Secure Value Account Allocation, while the Endorsement is effective, We require that you allocate your
Purchase Payment(s) and Spousal Beneficiary 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 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. 
 Periodic Report 

At least once during each Contract Year, We will send You a statement of the account activity of this Endorsement. The statement shall contain
information regarding the Income Base and Maximum Annual Withdrawal Amount. 
 Misstatement of Age or Sex 

The Misstatement of Age or Sex provision included in Your Contract shall apply to the Covered Person(s) under this Endorsement and may impact
the Maximum Annual Withdrawal Amount. 
 Termination of Withdrawals Over Two Lives 

If there are two Covered Persons on the Endorsement Effective Date, Withdrawals guaranteed for the life of one of the Covered Persons will
terminate if: 
  

	 	1.	 One of the two Covered Persons is removed from the Endorsement due to any reason other than death; or

  

	 	2.	 The Covered Persons are no longer married at the time of death of the first Covered Person.

 Termination of Withdrawals guaranteed for the life of one Covered Person does not impact any other terms and conditions
of this Endorsement, including the applicable Endorsement Fee, which is based on the number of Covered Persons on this Endorsement Effective Date. 

  

					
	 AGE-8043 (4/16)
	  	7	  	

 Cancellation of the Guaranteed Living Benefit 

You may cancel this Endorsement as detailed below on or after the Earliest Cancellation Date of the Guaranteed Living Benefit as shown on the
Endorsement Data Page. You may cancel this Endorsement by means of a Written request as detailed below. The Guaranteed Living Benefit may not be re-elected or reinstated after a cancellation. 

Cancellation Effective Date 
 If Your cancellation request
is received: 
  

	 	1.	 On or before the Earliest Cancellation Date of the Guaranteed Living Benefit, the cancellation is effective on
the Earliest Cancellation Date of the Guaranteed Living Benefit date as shown on the Endorsement Data Page; 

  

	 	2.	 In any Benefit Year after the Earliest Cancellation Date of the Guaranteed Living Benefit date, the
cancellation is effective on the Benefit Quarter Anniversary following Our receipt of the cancellation request. 

 Termination of
the Guaranteed Living Benefit 
 This Endorsement and the Endorsement Fee will terminate automatically upon the occurrence of one of the
following: 
  

	 	1.	 Death of the Covered Person, or if there were two Covered Persons, upon the death of the surviving Covered
Person; or 

	 	2.	 A Death Benefit is paid resulting in the Contract being terminated; or 

	 	3.	 The Contract is annuitized; or 

	 	4.	 An Excess Withdrawal that reduces the Contract Value and Income Base to zero; or 

	 	5.	 Any change occurs that removes one or all Covered Persons from the Contract except as noted above under
“Termination of Withdrawals Over Two Lives”; or 

	 	6.	 The Contract is cancelled or surrendered for any reason; or 

	 	7.	 A Change of Owner (or assignment). See “Change of Owner/Assignment” section below; or

	 	8.	 You elect to cancel this Endorsement. 

On the termination effective date, amounts allocated to the Secure Value Account will be automatically transferred to a 1-Year Fixed Account
option, if available, or a money market or similar portfolio. Purchase Payments may no longer be allocated to the Secure Value Account after termination. From the day following the automated transfer, you may transfer this amount to another
available investment option under the Contract for a period of 90 days during which the transfer will not count against the annual number of free transfers or incur a transfer fee. 

If You surrender Your Contract or a Change of Owner/Assignment occurs (outside of the provisions detailed below) while Your Contract Value is
greater than zero, We will assess a pro-rata charge for the Endorsement Fee applicable to the Benefit Quarter in which the surrender or Change of Owner/Assignment occurs if the Contract was surrendered before the end of a Benefit Quarter. The
pro-rated charge is calculated by multiplying the fee by the number of days between the date when the prior fee was last assessed and the date of surrender or Change of Owner/Assignment, divided by the number of days between the prior and the next
Benefit Quarter Anniversaries. Thereafter, You will no longer be charged an Endorsement Fee. If You surrender Your Contract, You will also incur a Charge for Partial/Full Benefit Termination if You take a total Withdrawal of all Your Contract Value
during the applicable period indicated on the Endorsement Data Page. 
 Change of Owner/Assignment 

If this Endorsement is attached to the Contract and has not been terminated, a Change of Owner/Assignment will terminate this Endorsement
unless: 

	 	1.	 The Covered Person(s) becomes the new Owner(s) or assignee(s) and assumes full ownership of the Contract and
is essentially the same person; or 

	 	2.	 The new Owner or assignee is a trust or other non-natural person and the Covered Person(s) are the
Annuitant(s); or 

	 	3.	 The assignment is for the purpose of effectuating a 1035 exchange of the contract (i.e., the Endorsement may
continue during the temporary assignment period and will not terminate until the date the contract is surrendered). 

 Death of Covered
Person(s) 
 If there is one Covered Person and that person dies, this Endorsement and the Endorsement Fee will be terminated. 

If there are two Covered Persons, upon the first death, if the surviving Covered Person is eligible and elects to continue the Contract, this
Endorsement is also continued. Upon the election of continuation, the Endorsement Effective Date, the applicable Endorsement Fee, and the Maximum Annual Withdrawal and Protected Income Payment Percentages based on two Covered Persons will not
change. 

  

					
	 AGE-8043 (4/16)
	  	8	  	

 Termination 

This Endorsement will terminate on the date the Contract terminates or as otherwise provided in the “Cancellation of the Guaranteed
Living Benefit” and “Termination of the Guaranteed Living Benefit” above. 
 Signed for the Company to be effective on the
Endorsement Effective Date. 
 AMERICAN GENERAL LIFE INSURANCE COMPANY 
  

        

 
 Copyright © 2016 American
International Group, Inc. All rights reserved 

  

					
	 AGE-8043 (4/16)
	  	9EX-(4).(h)

 AMERICAN GENERAL LIFE INSURANCE COMPANY 

INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT 

This Endorsement amends the Contract or Certificate (“Contract”) to which it is attached so that it may qualify as an Individual
Retirement Annuity (IRA) under Section 408(b) of the Internal Revenue Code (Code) and the Regulations under that Section. The endorsement may be amended from time to time to comply with changes in the Internal Revenue Code. The Owner or
Participant (“Owner”) has the right to refuse to accept any such amendment; however, We shall not be held liable for any tax consequences incurred by the Owner as a result of such refusal. In the case of a conflict with any provision in
the Contract, including the terms of any other riders or endorsements to the Contract, the provisions of this Endorsement will control. The effective date of this Endorsement is the Contract Date shown on the Contract Data Page. The Contract is
amended as follows: 
  

	1.	 The Owner, Annuitant and Payee shall be the same individual. The Owner, Annuitant and Payee cannot be changed,
except as otherwise permitted under the Code and applicable regulations. All distributions made while the Owner is alive must be made to the Owner. 

  

	2.	 The interest of the Owner under this Contract shall be nonforfeitable except as provided by law.

  

	3.	 This Contract may not be sold, assigned, discounted, pledged as collateral for a loan or as security for the
performance of any obligation or for any other purpose, or otherwise transferred (other than a transfer incident to a divorce or separation instrument in accordance with Section 408(d)(6) of the Code) to any person other than to the Company.

  

	4.	 This Contract is established for the exclusive benefit of the Owner and his or her Beneficiary(ies). If this
is an inherited IRA within the meaning of Code § 408(d)(3)(C) maintained for the benefit of a designated beneficiary of a deceased Owner, references in this Endorsement to the “Owner” are to the deceased Owner. 

 

	5.	 Purchase Payment(s) are flexible. You may change the amounts, frequency and/or timing of Purchase Payments.

  

	6.	 (a) Except in the case of a rollover contribution (as permitted by Code§ 402(c), 402(e)(6),
403(a)(4), 403(b)(8), 403(b)(10), 408(d)(3) and 457(e)(16)) or a contribution made in accordance with the terms of a Simplified Employee Pension (SEP) as described in § 408(k), no contributions will be accepted unless they are in cash, and
the total of such contributions shall not exceed $5,000 for any taxable year beginning in 2008 and years thereafter. 

After 2008, the limit will be adjusted by the Secretary of the Treasury for cost-of-living increases under Code
§ 219(b)(5)(D). Such adjustments will be in multiples of $500. 
 (b) In the case of an individual who is age 50
or older, the annual cash contribution limit is increased by $1,000 for any taxable year beginning in 2006 and years thereafter. 

(c) In addition to the amounts described in paragraphs (a) and (b) above, an individual may make additional
contributions specifically authorized by statute – such as repayments of qualified reservist distributions, repayments of certain plan distributions made on account of a federally declared disaster and certain amounts received in connection
with the Exxon Valdez litigation. 
 (d) In addition to the amounts described in paragraphs (a) and (c) above, an
individual who was a participant in a Code § 401(k) plan of a certain employer in bankruptcy described in Code § 219 (b)(5)(C) may contribute up to $3,000 for taxable years beginning after 2006 and before 2010 

  

					
	AGE-6171(12/15)	  	1	  	

 
only. An individual who makes contributions under this paragraph (d) may not also make contributions under paragraph (b). 

(e) No contributions will be accepted under a SIMPLE IRA plan established by any employer pursuant to Code § 408(p).
Also, no transfer or rollover of funds attributable to contributions made by a particular employer under its SIMPLE IRA plan will be accepted from a SIMPLE IRA, that is, an IRA used in conjunction with a SIMPLE IRA plan, prior to the expiration of
the 2-year period beginning on the date the Owner first participated in that employer’s SIMPLE IRA plan. 
 (f) If this
is an inherited IRA within the meaning of Code § 408(d)(3)(C), no contributions will be accepted. 
  

	7.	 Any refund of premiums (other than those attributable to excess contributions) will be applied, before the
close of the calendar year following the year of the refund, toward the payment of future premiums or the purchase of additional benefits. 

  

	8.	 (a) Notwithstanding any provision of this IRA to the contrary, the distribution of the Owner’s interest
in the IRA shall be made in accordance with the requirements of Code § 408(b)(3) and the regulations thereunder, the provisions of which are herein incorporated by reference. If distributions are not made in the form of an annuity on an
irrevocable basis (except for acceleration), then distribution of the interest in the IRA (as determined under section 9(c)) must satisfy the requirements of Code § 408(a)(6) and the regulations thereunder, rather than paragraphs (b),
(c) and (d) below and section 9. 

 (b) The entire interest of the Owner for whose benefit the
Contract is maintained will commence to be distributed no later than the first day of April following the calendar year in which such Owner attains age 70 1⁄2
(the “required beginning date”) over: (a) the life of such individual or the lives of such individual and his or her designated beneficiary or (b) a period certain not extending beyond the life expectancy of such individual or
the joint and last survivor expectancy of such individual and his or her designated beneficiary. Payments must be made in periodic payments at intervals of no longer than 1 year and must be either nonincreasing or they may increase only as provided
in Q&As-1 and -4 of § 1.401(a)(9)-6 of the Income Tax Regulations. In addition, any distribution must satisfy the incidental benefit requirements specified in Q&A-2 of § 1.401(a)(9)-6. If this is an inherited IRA within
the meaning of Code § 408(d)(3)(C), this paragraph and paragraphs (c) and (d) below do not apply. 
 (c) The
distribution periods described in paragraph (b) above cannot exceed the periods specified in § 1.401(a)(9)-6 of the Income Tax Regulations. 

(d) The first required payment can be made as late as April 1 of the year following the year the individual attains age 70 1⁄2 and must be the payment that is required for one payment interval. The second payment need not be made until the end of the next payment interval. 

 

	9.	 Unless otherwise permitted under applicable law, upon the death of the Owner: 

(a) Death On or After Required Distributions Commence. If the Owner dies on or after required distributions commence, the
remaining portion of his or her interest will continue to be distributed under the Contract option chosen. 
 (b) Death
Before Required Distributions Commence. If the Owner dies before required distributions commence, his or her entire interest will be distributed at least as rapidly as follows: 

  

					
	AGE-6171(12/15)	  	2	  	

 (1) If the designated beneficiary is someone other than the Owner’s
surviving spouse, the entire interest will be distributed, starting by the end of the calendar year following the calendar year of the Owner’s death, over the remaining life expectancy of the designated beneficiary, with such life expectancy
determined using the age of the beneficiary as of his or her birthday in the year following the year of the Owner’s death, or, if elected, in accordance with paragraph (b)(3) below. If this is an inherited IRA within the meaning of Code §
408 (d)(3)(C) established for the benefit of a nonspouse designated beneficiary by a direct trustee-to-trustee transfer from a retirement plan of a deceased individual under Code § 402(c)(11), then, notwithstanding any election made by the
deceased individual pursuant to the preceding sentence, the nonspouse designated beneficiary may elect to have distributions made under this paragraph (b)(1) if the transfer is made no later than the end of the year following the year of death. 

(2) If the Owner’s sole designated beneficiary is the Owner’s surviving spouse, the entire interest will be
distributed, starting by the end of the calendar year following the calendar year of the Owner’s death (or by the end of the calendar year in which the Owner would have attained age 70 1⁄2, if later), over such spouse’s life or over a period not extending beyond such spouse’s life expectancy, or, if elected, in accordance with paragraph (b)(3) below. If the surviving spouse dies before
required distributions commence to him or her, the remaining interest will be distributed, starting by the end of the calendar year following the calendar year of the spouse’s death, over the spouse’s designated beneficiary’s
remaining life expectancy determined using such beneficiary’s age as of his or her birthday in the year following the death of the spouse, or, if elected, will be distributed in accordance with paragraph (b)(3) below. If the surviving spouse
dies after required distributions commence to him or her, any remaining interest will continue to be distributed under the Contract option chosen. 

(3) If there is no designated beneficiary, or if applicable by operation of paragraph (b)(1) or (b)(2) above, the entire
interest will be distributed by the end of the calendar year containing the fifth anniversary of the Owner’s death (or of the spouse’s death in the case of the surviving spouse’s death before distributions are required to begin under
paragraph (b)(2) above). 
 (4) Life expectancy is determined using the Single Life Table in Q&A-1 of
§ 1.401(a)(9)-9 of the Income Tax Regulations. If distributions are being made to a surviving spouse as the sole designated beneficiary, such spouse’s remaining life expectancy for a year is the number in the Single Life Table
corresponding to such spouse’s age in the year. In all other cases, remaining life expectancy for a year is the number in the Single Life Table corresponding to the beneficiary’s age in the year specified in paragraph (b)(1) or
(2) and reduced by 1 for each subsequent year. 
 (c) The “interest” in the IRA includes the amount of any
outstanding rollover, transfer and recharacterization under Q&As-7 and -8 of § 1.408-8 of the Income Tax Regulations and the actuarial value of any other benefits provided under the IRA (prior to annuitization), such as guaranteed
death benefits. 
 (d) For purposes of paragraphs (a) and (b) above, required distributions are considered to
commence on the Owner’s required beginning date or, if applicable, on the date distributions are required to begin to the surviving spouse under paragraph (b)(2) above. However, if distributions start prior to the applicable date in the
preceding sentence, on an irrevocable basis (except for acceleration) under an annuity contract meeting the requirements of § 1.401(a)(9)-6 of the Income Tax Regulations, then required distributions are considered to commence on the
annuity starting date. 
 (e) If the sole designated beneficiary is the Owner’s surviving spouse, the spouse may elect
to treat the IRA as his or her own IRA. This election will be deemed to have been made if such 

  

					
	AGE-6171(12/15)	  	3	  	

 
surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. 

(f) The required minimum distributions payable to a designated beneficiary from this IRA may be withdrawn from another IRA the
beneficiary holds from the same decent in accordance with Q&A-9 of § 1.408-8 of the Income Tax Regulations. 
  

	10.	 The Company shall furnish annual calendar year reports concerning the status of the annuity and such
information concerning minimum required distributions as is prescribed by the Commissioner of Internal Revenue. 

  

	11.	 Except to the extent Treasury regulations allow Us to offer additional Annuity Payment Options that are
acceptable to Us, only the Annuity Payment Options as described in the Contract shall be offered unless We consent to the use of an additional option. 

Any additional Annuity Payment Option under the Contract must meet the requirements of section 408(b) of the Code and
applicable regulations. The provisions of this Endorsement reflecting the requirements of Code Sections 401(a)(9) and 408(b) override any additional Annuity Payment Option inconsistent with such requirements. 

If a guaranteed or specified period of payments is chosen under an Annuity Payment Option, the length of the period must not
exceed the shorter of (1) the Owner’s life expectancy, or if a designated second person is named, the joint and last survivor expectancy of the Owner and the designated second person, and (2) the applicable maximum period under §
1.401(a)(9)-6 of the Income Tax Regulations. 
  

	12.	 If you return the Contract within 10 days after the Contract Date, the Company will refund the amount of your
Purchase Payments, without adjustment for such items as sales commissions, administrative expenses, and fluctuation in market value for the Valuation Period in which the Contract is received. 

 

	13.	 The provisions of this Endorsement are intended to comply with the requirements of the Code and applicable
regulations for IRAs under Section 408(b) of the Code. The Company reserves the right to amend the Contract and this Endorsement from time to time when such amendment is necessary to assure continued qualification of the Contract as an IRA
under Section 408(b) of the Code (and any successor provision) as in effect from time to time. The Owner has the right to refuse to accept any such amendment; however, we shall not be held liable for any tax consequences incurred by the Owner
as a result of such refusal. 

 All other terms and conditions of the Contract remain unchanged. 

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

AMERICAN GENERAL LIFE INSURANCE COMPANY 
  

							
	 

 
	  	 

	  	 

	 	 

 

  

					
	AGE-6171(12/15)	  	4

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