This document provides information about a flexible premium adjustable life insurance policy being presented to Mrs. VC, including policy features, benefits, and costs. The policy is issued by American General Life Insurance Company, a subsidiary of American International Group, Inc. It includes a base life insurance benefit of $500,000 that is guaranteed through age 105 if premiums of $3,647.60 per year are paid as scheduled. The policy allows for accelerating a portion of the death benefit in the event of critical illness, chronic illness, or terminal illness through the Accelerated Death Benefit Rider. It also contains a Continuation Guarantee Benefit that can keep the policy in force if funds drop below a monthly deduction amount.

1. QoL®
Guarantee Plus
Form (ICC12- AGLA12UCG)
A Flexible Premium Adjustable Life Insurance Policy.
June 17, 2016
Designed for Mrs. VC
Issue State: Idaho
Presented by Lee Rogers
WA
Prepared: 6/17/2016
Illustration
Description
Please read your quotation carefully. It is designed to aid your
understanding of the policy by demonstrating how policy benefits and
premiums are affected by different assumptions. This quotation is not a
contract and is not intended to predict actual performance. No current
values have been used in this quotation. All values are guaranteed.
Your policy, if issued, will be your contract with the
Company and establishes the terms and conditions
which must be satisfied for the underlying
guarantees to remain in force.
Issuing
Company
American General Life Insurance Company
2727-A Allen Parkway
Houston, TX 77019
American General Life Insurance Company (the “Company”) is the sole
issuer of QoL Guarantee Plus Policies.
American General Life Insurance Company is a subsidiary of American
International Group, Inc. (AIG). AIG is a leading international insurance
organization with approximately 63,000 employees in more than 130
countries serving customers around the globe. AIG companies are
leading providers of life insurance and retirement services in the United
States.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 1 of 14
Contents
Premium Outlay..................................... 4
Policy Features And Options..................4
Transaction Charges and Expenses......5
Supplemental Benefit Riders................. 6
Policy Quotation.................................. 9
Important Information About Your
Policy.................................................. 13
Tax and Compliance.......................... 13

2. How Does it Work?
The following are hypothetical examples of a QoL Guarantee Plus issued with a base life insurance benefit of $250,000 and coverages under
the Accelerated Death Benefit Rider. (SelectChoiceABR) without any Defined Accelerated Benefit. The example provided is on a male
age 40, standard non-Tobacco.
SCENARIO Critical Illness Chronic Illness Terminal Illness Completion
AGE 50 60 70 72
BASE LIFE
INSURANCE
BENEFIT
$250,000 $200,000 $150,000 $100,000
EVENT Insured suffers a Major HeartAttack. Insured is certified as having a
Qualifying Chronic Illness.
Insured is certified by a physician to
be Terminally Ill, having less than 24
months to live.
Insured dies.
ACTION Owner files a claim under the
Accelerated Death Benefit Rider to
consider accelerating* $50,000 of
the base life insurance benefit.
Owner files a claim on the
Accelerated Death Benefit Rider to
consider accelerating* $50,000 of
the base life insurance benefit.
Owner files a claim on the
Accelerated Death Benefit Rider to
consider accelerating* $50,000 of
the base life insurance benefit.
Claim is submitted for
the remaining $100,000
base life insurance
benefit.
RESULT The Company determines that a
Qualifying Event has occurred. It
determines the Insured's Flexible
Accelerated Benefit Amount, $7,304**
based on how much it affects the
Company’s expectation of his
mortality. The severity of his critical
illness and how much it affects his
life expectancy. For example, if the
Insured's Major Heart Attack does
not cause the Company’s expectation
of his mortality to be significantly
changed, the accelerated benefit
may be a lesser amount. If
otherwise, the accelerated benefit
may be a larger amount was mild
and he is expected to recover, the
Owner may be offered a lesser
amount****. If the Insured's Major
Heart Attack was severe and has
significantly shortened his life
expectancy, the Owner may be
offered a larger amount.
The Company determines that a
Qualifying Event has occurred.
Because of the Company Insured's
heightened expectations of the
Insured’s mortality, the Company
determines that the Flexible
Accelerated Benefit payable is
22,735** significantly shortened life
expectancy, the Company offers the
Owner a Flexible Accelerated
Benefit Amount of $27,300. A
different life expectancy could have
resulted in a larger or smaller benefit
****.
The Company determines that a
Qualifying Event has occurred.
Because of the Company’s heightened
expectation of the Insured's mortality,
the Company determines that the
Flexible Accelerated Benefit payable
is $45,826 **
Beneficiary receives
$100,000 death claim
payment less any loan
and loan interest due.
ACTION Owner receives necessary documents
from the Company to elect
acceleration or other alternatives.
Owner elects to receive a Flexible
Accelerated Benefit.
Owner receives necessary documents
from the Company to assist in
choosing acceleration or other
alternatives. Owner elects to
receive a Flexible Accelerated
Benefit.
Owner receives necessary documents
from the Company to assist in
choosing acceleration or other
alternatives. Owner elects to
receive a Flexible Accelerated
Benefit.
EFFECT ON
POLICY
Base life insurance benefit is
reduced by 20% to $200,000. Cash
and Accumulation Value are
reduced by 20%.
Base life insurance benefit is
reduced25%to$150,000.Cashand
Accumulation Values are reduced
by 25%.
Base life insurance benefit is
reduced33%to$100,000.Cashand
Accumulation Values are reduced
by 33%.
Base life insurance
benefit of $100,000 is
paid and policy termin-
ates.
PLEASE NOTE: The insurance coverage offered under the Accelerated Death Benefit Rider is not stand-alone long term care insurance,
disability income insurance, or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits
under the rider will reduce the amounts available for future acceleration, subject to policy provisions. It will also reduce the base life insurance
benefit and the funds available to supplement retirement or other needs. The benefits paid under the rider may be less than what is needed
to cover all of the costs associated with an illness or condition. Even though accumulated cash value may be available to supplement
retirement, it should not be relied upon as a significant source of retirement income. American General Life Insurance Company also offers
a stand-alone critical illness policy that provides separate benefits without affecting your life insurance. Your agent can provide you with details.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 2 of 14

3. *"Accelerate" means to receive a portion of the base life insurance benefit early - while the insured is still alive - in the event of a covered
illness or condition. There are several factors to consider before deciding if insurance that can be accelerated is right for you:
Acceleration will reduce the insured's base life insurance benefit and policy values. This means there will be less benefit paid when the
insured dies.
The actual payment received will be less than the portion of base life insurance benefit accelerated. This means you will not get the full
amount you accelerate, because: (1) It is paid prior to death; and (2) It is subject to an actuarial discount, administrative charge, payment
of any unpaid but due policy premiums, and payment of a pro rata amount of policy loans.
• The actual benefit payable as a Flexible Accelerated Benefit under the Accelerated Death Benefit Rider for any given Qualifying Event
will not be known until the time the Company determines any change in its expectation of the insured’s mortality. You can choose to
accept or reject the Flexible Accelerated Benefit at that time.
• If you are eligible, you will be offered the opportunity, when you receive your benefit election form, to purchase coverage to replace the
amount accelerated. However, the costs of that coverage may be significantly higher.
Your policy contract will have more information about how accelerated benefits are calculated. Please read it carefully.
**Assumes payment of premiums necessary to keep policy in force. In some
circumstances, factors including but not limited to (1) low or no Cash Surrender Value
and (2) a small change in the Company's expectation of the Insured's mortality can
result in small benefit amounts or even a benefit of zero ($0.00). The potential ranges
of benefits for this hypothetical example are as follows:
Critical Illness: $895_______ - $__35,838_____
Chronic Illness: $__6,436_____ - $_36,135______
Terminal Illness: $___43,778____ - $____45,826___
INDIVIDUAL RESULTS WILL VARY.
} These values were calculated using non-
guaranteed interest and cost of insurance rates,
monthly administration fees, and premium
expense charge percentages as of July 2015.
Therefore, they are not guaranteed and may be
changed at any time for any reason. Your results
may be more or less favorable.
Benefits paid under an accelerated benefit rider or the Disability Income Rider may cause the owner to incur a tax obligation. Neither the
company nor its agents are authorized to offer you tax advice. You should consult your accountant, attorney or other qualified tax professional
to assess the impact of any benefit paid under these riders. Rider availability, names, terms, and definitions may vary by state.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 3 of 14

4. Guaranteed
Values
This quotation projects that the proposed policy, if issued as quoted,
would not lapse and that the Death Benefit of $500,000 through Policy
Year 56, Insured Age 105 would be paid upon the Insured’s death
provided:
• The Owner pays the scheduled premiums due as quoted on a timely
basis;
• The Owner does not elect to take policy loans or withdrawals of cash
values not otherwise quoted; and
• The Owner makes no other material policy changes (e.g., increase
of the death benefit, change death benefit option, add/terminate any
riders).
The death benefit is subject to certain policy
exclusions such as the suicide or contestability
provisions. Any deviations from the outlined
conditionsmaycausethestatedvaluestonolonger
be in effect.
Refer to the Assumptions and Changes in
Assumptions section below.
Periodic Review An in-force quotation may be produced at any time after the policy has
been in force for one year.
You should always consider a periodic review of
your insurance coverage with your insurance
producer.
Assumptions
and Changes in
Assumptions
This quotation assumes the Company receives all premiums in time to
be processed on the first day of each modal period, starting with the Date
of Issue. This is not likely to occur.
Policy values and benefits may also be affected by the Owner’s decisions
to change elements, such as but not limited to: amount of premium paid,
timing of premium payments, lapse and reinstatement of loans, full
surrenders, addition/termination of riders, and/or any other Owner-
initiated contractual changes such as increasing or decreasing the death
benefit. Actual policy results will be more or less favorable.
You may request quotations with different
assumptions to better understand how the changes
affect policy values and benefits.
Changes to your policy could result in distributions
that are subject to tax penalties or limit the amount
of future premiums that can be paid into the policy.
Refer to the Tax and Compliance section of this
illustration.
Premium Outlay
Initial Premium Benefit Duration of
Benefit
Total Initial Premium $3,647.60
Maturity Extension Rider *See Rider To Age 121
Accelerated Death Benefit Rider
(SelectChoice ABR)
*See Rider
Total First Year Premium $3,647.60 Annual Premium
Outlay
$3,647.60
* Benefits are determined according to the terms of the rider
Policy Features And Options
How the Policy
Works
Each premium payment, minus a premium expense charge, goes into
the policy’s Accumulation Value. Once each month, the Monthly
Deduction is deducted from this Accumulation Value. Any Partial
Surrenders that have been made are also deducted, along with a fee.
The remaining Accumulation Value, if any accrues interest at a rate that
is determined by the Company.
Policy Maturity The policy matures on the policy anniversary on or following the Insured’s
121 birthday. If the Insured is alive at that time, the Policy Owner will be
paid the policy’s Cash Value, less any Policy Loans and accrued interest
that has not been repaid.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 4 of 14

5. Continuation
Guarantee
Benefit
QoL Guarantee Plus policy contains a Continuation Guarantee provision
that provides a benefit designed to prevent the policy from entering the
GracePeriodandtocontinuecoverageifthepolicy’sAccumulationValue,
less any Surrender Charges and less any Loan Balance, is less than the
amount of the policy’s current Monthly Deduction. When the policy
Accumulation Value less Surrender Charge and indebtedness is not
sufficient to cover the Monthly Deduction, the Continuation Guarantee
BenefitcankeepthepolicyinforceaslongastheContinuationGuarantee
Account Value is greater than or equal to zero. The Continuation
Guarantee Account Value is an alternate value this is not used in
determining the actual values of the policy. It is simply a reference value
used to determine whether or not the Continuation Guarantee Benefit is
in effect. The Continuation Guarantee Benefit does not provide any
additional policy value or Death Benefit Proceeds under the policy.
This quotation assumes that the Company receives all premiums by the
beginning of each modal period. Any deviations from the amount,
frequency, or timing of the premium payments may cause the policy to
not continue for the number of years shown on this quotation. Future
actions such as failing to pay interest on outstanding loans or taking
partial surrenders may affect the premiums required to keep the
Continuation Guarantee in effect and may adversely affect your
Continuation Guarantee Benefit.
Guarantees are subject to the claims- paying ability
of the issuing insurance company.
Transaction Charges and Expenses
Cost of
Insurance
Each month the Company deducts charges from the policy’s
Accumulation Value to cover the expenses and costs of providing the
policy benefits. The cost of insurance rates will ultimately depend on
the outcome of the underwriting process and may vary significantly from
what is shown in this illustration.
Monthly Charges Monthly Administration Fee
$7.70 - Non-Guaranteed Current Charge
$20.00 - Guaranteed Charge
Monthly Expense Charge
The Monthly Expense Charge is deducted for the Initial SpecifiedAmount
and any allowable increase in the Specified Amount. The Monthly
Expense Charge for the Initial SpecifiedAmount and the duration of such
charge are shown in the Policy Schedule.
Monthly Deduction
The Monthly Deduction that is deducted from the Accumulation Value
each month consists of the Monthly Administration Fee, the Monthly
Expense Charge due, and the Cost of Insurance due for the basic
insurance Death Benefit and any Riders.
Monthly charges include Cost of Insurance
charges, Monthly Administration Fee, Monthly
ExpenseCharges,andanyapplicableridercharge.
The Company calculates the cost of insurance for
the policy at the beginning of each policy month.
Transaction
Charges
Premium Expense Charge Percentages
The initial Non-Guaranteed Premium Expense Charge is 10.00%. The
Company can adjust the Premium Expense Charge; however; the charge
will not exceed 10.00%.
Partial Surrenders
The Owner may request a Partial Surrender any time after the 5th policy
year and prior to the Maturity Date. A Partial Surrender will reduce the
Cash Value, Accumulation Value, and Death Benefit.
Partial Surrender Fee
$25.00 - Non-Guaranteed Current Charge
$25.00 - Guaranteed Maximum Charge
A Premium Expense Charge is assessed upon
each premium payment.
Fees and/or surrender charges may apply to
a Partial Surrender, and it may have adverse
tax consequences. Partial Surrenders may
not reduce your Death Benefit below The
Minimum Death Benefit shown on your policy
schedule.
Refer to the Tax and Compliance section of
this Illustration and consult your legal and tax
advisor for more information.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 5 of 14

6. Policy Loans Loans that do not qualify as Preferred
8.00% Effective Annual Rate
2.00% - Guaranteed Annual Rate
Preferred Loans
Starting on the 10th policy anniversary, this policy will be eligible for
Preferred Loans. The maximum amount eligible for Preferred Loans
during a policy year is restricted to policy earnings, defined as:
a) The Accumulation Value less the Surrender Charge and less the
loan balance at the beginning of the policy year less
b) The sum of premiums paid in excess of partial surrenders since
the Date of Issue.
Interest credited to the amount of the Accumulation Value offset by a
Preferred Loan:
a) Will be the at the annual rate that is equal to or less than theAnnual
Loan interest rate; and
b) Will be at a higher rate than the rate used to credit interest to values
offset by any other policy loan.
The Death Benefit is reduced by the amount of any unpaid Policy Land
and interest due.
The Owner can borrow an amount equal to or less
than the cash value minus any prior outstanding
loans and interest on the loan amount.
Loan interest is payable annually at a rate of 8.00%
for Loans not qualifying as Preferred.
Loan repayments must be at least $10.00.
Partial
Surrender/
Withdrawal
The Owner may request a Partial Surrender any time after the fifth policy
year and prior to the Maturity Date. A Partial Surrender will reduce the
Cash Value, Accumulation Value, and Death Benefit and benefits paid
through the Accelerated Benefit Riders.
Partial Surrenders may not reduce your Death
Benefit the minimum specified amount shown on
the Policy Schedule and the remaining Cash
Surrender Value must be at least $250.
Refer to the Tax and Compliance section of this
Illustration and consult your legal and tax advisor
for more information.
Specified
Amount
Changes
If allowed, the Specified Amount may be increased or decreased by the
Owner, subject to the terms of the policy. The Minimum Initial Specified
Amount (Death Benefit Amount) can be found in the Policy Schedule
and is subject to a Monthly Expense Charge and a Surrender Charge.
Fees and/or charges may apply when changing the
Specified Amount and it may have adverse tax
consequences. Refer to the Tax and Compliance
section of this Illustration and consult your legal and
tax advisor for more information.
Death Benefit
Option
The Death Benefit Option if this policy is Level. A Level Death Benefit is
intended to stay level throughout the life of the policy, unless the Death
Benefit must be increased to maintain the policy’s status as life insurance
under the Internal Revenue Code.
Surrender
Charge
Surrender Charges will be in effect until the end of the 19th policy year
following the date of issue and the date that any increase in Specified
Amount takes effect.
Surrender Charges are applied if the policy is fully
or partially surrendered, of if the Specified Amount
is reduced.
Supplemental Benefit Riders Supplemental Benefit Riders limit or expand the policy’s terms or coverage and may increase your
premium. You and your Insurance Producer should discuss the benefits and costs of all available riders and whether they are appropriate
for your needs. Each rider may be subject to requirements and limitations not contained within these explanations. Refer to the policy and
Riders for a full description of your available riders.
Maturity
Extension Rider
This benefit allows the Policy Owner to elect to extend the Policy past
theoriginalMaturityDate. IftheInsuredisstilllivingattheoriginalMaturity
Date and the Policy Owner has elected to extend the Policy, coverage
will continue until the date of death of the Insured. Starting on the original
Maturity Date, the Death BenefitAmount will be equal to the Death Benefit
Amount for the Policy in effect on the date prior to the Maturity Date and,
if applicable, will be adjusted by any future changes in Accumulation
Value. The Death Benefit Amount will never be less than the
Accumulation Value.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 6 of 14

7. Accelerated
Death Benefit
Rider
(SelectChoice
ABR)
This rider allows the Owner to receive a portion of the Insured Person’s death benefit under the policy, during the Insured
Person’s lifetime, upon submission of required documentation regarding a Qualifying Event. Qualifying Event mean a Qualifying
Critical Illness, Qualifying Chronic Illness, or Qualifying Terminal Illness as described in the Accelerated Death Benefit Rider.
Please refer to the rider for definitions of these Qualifying Events.
If a benefit under an Accelerated Death Benefit Rider is payable and the Owner elects to receive such benefit, the Company
will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit,
if applicable, under the Policy as to such Qualifying Event. To make such an election, the Owner must complete an election
form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later opportunity to
elect a FlexibleAccelerated Benefit and/or a DefinedAccelerated Benefit, if applicable, under a Policy as to the same Qualifying
Critical Illnesses or Qualifying Chronic Illness.
UndercertaincircumstanceswhereanInsured’smortality(ie.;ourexpectationoftheInsured’slifeexpectancy)isnotsignificantly
changed by a Qualifying Critical Illness or Qualifying Chronic Illness, the accelerated benefit may be zero.
The following information describes the Qualifying Events under the SelectChoice Accelerated Benefit Rider (see rider for
details):
Qualifying Chronic Illness
A Qualifying Chronic Illness is an illness or physical condition that was initially certified by a licensed healthcare practitioner
within the past 12 months and permanently affect the Insured Person so that he or she:
• Is unable to perform at least two the six Activities of Daily Living (ADLs) without substantial assistance from another person;
or
• Requires substantial supervision by another person to protect the Insured Person from threats to health and safety due to
severe cognitive impairment.
ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating
Qualifying Critical Illness
The following critical illnesses or conditions are Qualifying Critical Illnesses under the rider:
• Major Heart Attack
• Coronary Artery Bypass
• Stroke
• Invasive Cancer
• Blood Cancers: Leukemia, Lymphoma, and Multiply Myeloma
• Major Organ Transplant
• End Stage Renal Failure
• Paralysis
• Coma
• Severe Burn
Qualifying Terminal Illness
A Qualifying Terminal Illness is an illness or physical condition that is diagnosed and certified by a physician to be reasonably
expected to result in the insured’s death with 24 months from the date of diagnosis.
Select Choice ABR benefits and definitions may vary in some states and/or not be available in all states. The maximum
amount of life insurance benefit that may be accelerated is subject to the Maximum Elected Death Benefit, which is the lesser
of the current life insurance benefit or a lifetime maximum amount of $1,500,000. Benefit eligibility is subject to limitation and/
or Waiting Period, Elimination Period and exclusion requirements. Please read the rider carefully for a complete definition of
benefits and the conditions applying to the rider.
The rider is designed to provide two types of accelerated benefits: DefinedAccelerated Benefit and FlexibleAccelerated Benefit.
Flexible Accelerated Benefit (FAB)
The FAB provides for acceleration of all or a portion of the remaining life insurance benefit that may be accelerated after any
DAB is paid. Any portion of the life insurance benefit that is elected to be accelerated as a FAB is subject to an actuarial
discount, administrative charge, and payment of any unpaid but due policy premiums and will always be less than the portion
of the base life insurance benefit accelerated.
• The amount offered as a FAB will, in significant part, be dependent upon any change in mortality of the Insured Person in
question between the time the applicable life insurance policy with the FAB was underwritten and the time any particular
FAB claim is filed and considered. Changes in health and other factors will have varying effects on the mortality of different
Insured Persons. Circumstances will vary among individual Insured Persons.
• The amount offered as a FAB is determined by the company after a claim is submitted and, when accepted, is payable to
the Owner as a Lump Sum.
Defined Accelerated Benefit (DAB)
The Defined Accelerated Benefit is an optional benefit which provides for payment of a predetermined portion of the death
benefit upon the occurrence of a Qualifying Event. The Defined Accelerated Benefit for the initial Qualifying Event, for which
a claim is made, is determined as a fixed percentage of the maximum death benefit that can be accelerated under the policy.
The Defined Accelerated Benefit for a subsequent Qualifying Event, for which a claim is made, is calculated using a reduced
percentage. There will be a premium or charge for the rider if the Defined Accelerated Benefit Percentage is greater than
zero. The cost of this rider, if any, will be deducted monthly from the Accumulation Value of the policy.
Insured
Defined Accelerated Benefit Percentage for the initial Qualifying Event for which a claim is made: 0%
Defined Accelerated Benefit for the initial Qualifying Event for which a claim is made: $0.00
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 7 of 14

8. Accelerated
Death Benefit
Rider
(SelectChoice
ABR)
Continued
Accelerated Benefit Claims
The payment of benefits under this Accelerated Death Benefit Rider will affect the availability of benefits under any other
accelerated benefit rider attached to the policy. The Insured Person's death benefit and, if applicable, the Cash Surrender
Value under the policy, will be reduced each time an accelerated benefit is paid.
Important Consumer Disclosures Regarding Accelerated Benefit Rider
(1) When filing a claim for Qualifying Critical Illness, Qualifying Terminal Illness or Qualifying Chronic Illness under an
Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form (with Certification attached
in the case of a Qualifying Chronic Illness) which must be received at its Administrative Center within the time frame
specified in the Rider, if any.
(2) If a benefit under an Accelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Company
will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated
Benefit, if applicable, under the Policy as to such Qualifying Event. To make such an election, the Owner must complete
an election form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later
opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as
to the same Qualifying Critical Illness or Qualifying Chronic Illness. Under certain circumstances where an insured’s
mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness
or Qualifying Chronic Illness, the accelerated benefit may be zero.
(3) The failure to provide a required claim form and a required election form (with the requested attachments) within the
periods set forth for each in a Policy may preclude payment of a benefit.
The rider is designed to provide two types of accelerated benefits: Defined Accelerated Benefit and Flexible Accelerated
Benefit.
(4) Benefits payable under an accelerated benefit rider may be taxable. Neither American General Life Insurance
Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax
advisor regarding questions concerning the information and concepts contained in this material.
(5) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a
Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit
on account of a Critical Illness.
The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross
distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium
and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro
rata amount of any loan balance.
(6) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all
accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $1,500,000.
(7) See your policy for details.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 8 of 14

9. Policy Quotation
Assumptions in
Coverage
QoL Guarantee Plus
Initial Death Benefit (Specified Amount): $500,000
Mrs. VC, Female, 49, Preferred Non-Tobacco
Initial Annual Premium: $3,647.60
Issue State: Idaho
Premium Mode: Annual
Guaranteed at 2.00%
End of Year Age Premium Outlay* Disbursements Death Benefit Cash Surrender Value
1 50 3,648 0 500,000 0
2 51 3,648 0 500,000 0
3 52 3,648 0 500,000 0
4 53 3,648 0 500,000 0
5 54 3,648 0 500,000 0
6 55 3,648 0 500,000 0
7 56 3,648 0 500,000 0
8 57 3,648 0 500,000 0
9 58 3,648 0 500,000 0
10 59 3,648 0 500,000 0
36,476
11 60 3,648 0 500,000 0
12 61 3,648 0 500,000 0
13 62 3,648 0 500,000 0
14 63 3,648 0 500,000 0
15 64 3,648 0 500,000 0
16 65 3,648 0 500,000 813
17 66 3,648 0 500,000 1,723
18 67 3,648 0 500,000 2,728
19 68 3,648 0 500,000 3,827
20 69 3,648 0 500,000 5,019
72,952
21 70 3,648 0 500,000 7,138
22 71 3,648 0 500,000 9,421
23 72 3,648 0 500,000 11,864
24 73 3,648 0 500,000 14,464
25 74 3,648 0 500,000 17,217
26 75 3,648 0 500,000 20,627
27 76 3,648 0 500,000 24,215
28 77 3,648 0 500,000 27,973
29 78 3,648 0 500,000 31,892
30 79 3,648 0 500,000 35,964
109,428
31 80 3,648 0 500,000 39,880
32 81 3,648 0 500,000 43,907
33 82 3,648 0 500,000 48,025
* A zero in the Premium Outlay column does not mean the policy is paid up. Charges are deducted from the Accumulation Value as long as the
policy remains in force. Depending upon actual results, the Owner may need to continue or increase premium payments.
Under some circumstances policy loans and withdrawals are taxable. Refer to the heading Policy Loans, Surrenders and Specified Amount
Reductions in the Tax and Compliance section.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 9 of 14

10. Guaranteed at 2.00%
End of Year Age Premium Outlay* Disbursements Death Benefit Cash Surrender Value
34 83 3,648 0 500,000 52,216
35 84 3,648 0 500,000 56,463
36 85 3,648 0 500,000 62,453
37 86 3,648 0 500,000 68,505
38 87 3,648 0 500,000 74,573
39 88 3,648 0 500,000 80,587
40 89 3,648 0 500,000 86,486
145,904
41 90 3,648 0 500,000 89,987
42 91 3,648 0 500,000 93,292
43 92 3,648 0 500,000 96,406
44 93 3,648 0 500,000 99,100
45 94 3,648 0 500,000 101,173
46 95 3,648 0 500,000 99,977
47 96 3,648 0 500,000 97,791
48 97 3,648 0 500,000 94,460
49 98 3,648 0 500,000 90,020
50 99 3,648 0 500,000 84,534
182,380
51 100 3,648 0 500,000 81,436
52 101 3,648 0 500,000 75,286
53 102 3,648 0 500,000 65,333
54 103 3,648 0 500,000 50,574
55 104 3,648 0 500,000 29,684
56 105 3,648 0 500,000 889
57 106 0 0 0 0
58 107 0 0 0 0
59 108 0 0 0 0
60 109 0 0 0 0
204,266
61 110 0 0 0 0
62 111 0 0 0 0
63 112 0 0 0 0
64 113 0 0 0 0
65 114 0 0 0 0
66 115 0 0 0 0
67 116 0 0 0 0
68 117 0 0 0 0
69 118 0 0 0 0
70 119 0 0 0 0
204,266
71 120 0 0 0 0
* A zero in the Premium Outlay column does not mean the policy is paid up. Charges are deducted from the Accumulation Value as long as the
policy remains in force. Depending upon actual results, the Owner may need to continue or increase premium payments.
Under some circumstances policy loans and withdrawals are taxable. Refer to the heading Policy Loans, Surrenders and Specified Amount
Reductions in the Tax and Compliance section.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 10 of 14

11. Guaranteed at 2.00%
End of Year Age Premium Outlay* Disbursements Death Benefit Cash Surrender Value
72 121 0 0 0 0
73 122 0 0 0 0
74 123 0 0 0 0
75 124 0 0 0 0
76 125 0 0 0 0
77 126 0 0 0 0
78 127 0 0 0 0
79 128 0 0 0 0
80 129 0 0 0 0
204,266
81 130 0 0 0 0
82 131 0 0 0 0
204,266
Coverage Terminates in Policy Year 56/at age 105.
* A zero in the Premium Outlay column does not mean the policy is paid up. Charges are deducted from the Accumulation Value as long as the
policy remains in force. Depending upon actual results, the Owner may need to continue or increase premium payments.
Under some circumstances policy loans and withdrawals are taxable. Refer to the heading Policy Loans, Surrenders and Specified Amount
Reductions in the Tax and Compliance section.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 11 of 14

12. Signature Confirmation
I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be either higher or
lower. The insurance producer has told me they are not guaranteed.
Owner's Signature Date
Joint Owner's Signature Date
I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change.
I have made no statements that are inconsistent with the illustration. I understand the method used to allocate overhead expenses is the fully allocated
method.
WA
Insurance Producer's Signature Date Insurance Producer's Address
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 12 of 14

13. Important Information About Your Policy
Summary
Description
Your QoL policy is a Flexible Premium Adjustable Life Insurance policy which is also referred to as a Universal Life
Policy. The Death Benefit proceeds are payable at the death of the Insured prior to the Maturity Date. Flexible Premiums
are payable prior to the Maturity Date. The plan is non-participating.
External
Rollovers
This illustration assumes your External Rollover premium, if any, is received on the Date of Issue. An External Rollover
is cash surrender value from a policy issued by another company that qualifies under Internal Revenue Code section
1035. If the External Rollover premium is not received by the time this policy is issued, your cash value will be affected
and the policy will not continue as illustrated.
Refer to Internal Revenue Code section 1035 for more information about 1035 exchanges. You should also obtain your
own legal and tax advice.
Funding Sources The sale or liquidation of any stock, bond, individual retirement account (IRA), certificate of deposit (CD), mutual fund,
annuity, or other asset to fund the purchase of the policy may have tax consequences, early withdrawal penalties, or
other costs or penalties as a result of sale or liquidation. You may wish to obtain independent legal or financial advice
before selling or liquidating any assets, prior to the purchase of any life insurance product.
Tax and Compliance
Guideline
Premium Test
Under current federal tax law, the policy will qualify as life insurance only if: (a) the sum of premiums paid, less partial
surrenders, at any time does not exceed the greater of the guideline single premium or the sum of the guideline level
annual premiums at such time and (b) the death benefit under the policy at any time is not less than the minimum required
so that the policy falls within the cash value corridor as prescribed in section 7702(d) of the Internal Revenue Code.
Initial Guideline Initial Guideline Seven Pay
Level Premium: $11,566.84 Single Premium: $138,374.44 Premium: $24,177.03
Modified
Endowment
Contract
The Technical and Miscellaneous Revenue Act of 1988 (“TAMRA”), which is effective for policies issued after June 21,
1988, classifies certain policies as Modified Endowment Contracts (“MEC”). A life insurance policy becomes a MEC, as
defined in section 7702A of the Internal Revenue Code, if at any time during the first seven policy years, the actual
premiums paid exceeds the sum of an annually paid "7-Pay Premium". If a policy violates the 7-Pay Premium test, it
may be classified as a MEC retroactively to the time that it was issued. The 7-Pay Premium is the level annual premium
that could fund all future benefits without regard to loads and expenses under the policy in seven years. All distributions,
including loans, from a MEC may be taxable to the extent there is a gain in the policy. In addition, such distributions
prior to age 59 1/2 may be subject to an additional 10.00% penalty. Changes made at any time to a policy will affect
the TAMRA 7-Pay Premium. If appropriate, the Owner should discuss the transaction with his insurance, legal, and/or
tax advisors. The policy, as illustrated, is not a MEC at its date of issue. Any material changes to the policy could result
in the policy being reclassified as a MEC retroactively to its date of issue. Changes in the premium payments could also
cause the policy to be classified as a MEC. The Owner should ask the Company to recalculate the 7-Pay Premium
before making any change to the policy, including changes that are shown in this illustration. The TAMRA7-Pay Premium
indicated in the Premium Outlay section is based upon the lowest specified amount in the first seven years.
Replacement of
Existing
Insurance
If the Owner is purchasing a new life insurance policy that will replace an existing policy or if the Owner is using the
funds from one policy to pay all or part of the premiums on a new policy, make sure that these actions are in the Owner’s
best interest. Many times it will be in the Owner’s best interest to keep or modify an existing policy. Depending upon
the type of policies involved, the Owner should gather information to compare such things as: premiums, guaranteed
interest rates, surrender charges, policy fees and expenses, cash surrender values, contract provisions, company
financial strength, and tax consequences. Ultimately, it is the Owner’s decision whether to proceed with the transaction.
Policy Loans,
Surrenders and
Specified
Amount
Reductions
Generally, surrenders from a policy that is not a MEC are not taxable until the amount surrendered exceeds the total of
the premiums paid, which represents the Owner’s basis in the policy. However, when there is a reduction in the Specified
Amount as a result of a partial surrender or at the Owner’s request, there may be a taxable event.Aportion of the amount
withdrawn may be taxable under the “Recapture Ceiling Test” described under section 7702(f)(7) of the Internal Revenue
Code even if the surrender does not exceed the Owner’s basis in the policy. Reductions in the Specified Amount may
force a distribution of cash from the policy, a portion of which may be taxable. The Owner should verify whether a tax
is incurred before taking surrenders or requesting a reduction in the Specified Amount during the first 15 policy years.
Loans are not taxable as long as the policy is not a MEC and remains in force. If a policy lapses or is surrendered, any
outstanding loans will be treated as if they were distributions and will be subject to income tax to the extent they exceed
the Owner’s basis in the policy.
Company not
Providing Legal
or Tax Advice
This material is not intended or written by the Company to be used, and it cannot be used by any taxpayer, for the
purpose of avoiding penalties imposed on the taxpayer. This material is written to support the promotion or marketing
of the transaction(s) or matter(s) addressed by this material. Any taxpayer should seek advice based on the taxpayer’s
particular circumstances from an independent tax advisor.
Although the information contained in this illustration is based on our understanding of the Internal Revenue Code and
on certain tax and legal assumptions, it is not intended to be tax or legal advice. Such advice should be obtained from
your own counsel or other tax advisor.Tax laws or interpretations of tax laws can change.This may cause the performance
and underlying tax assumptions of this policy, including any riders, to be different than illustrated. For example, tax law
changes may result in distributions that are more or less than illustrated. In some cases, these changes could result in
a decrease in policy values or lapse. After the first policy year, you should periodically request an in-force illustration
from your insurance producer to monitor your policy’s performance in light of any tax law changes. Your actual taxes
may be different from what is illustrated.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 13 of 14

14. Policy Changes
and Extending
Coverage
The Company will not permit a change to the policy that would result in the policy not meeting the definition of life
insurance under section 7702 of the Internal Revenue Code. The 2001 CSO Mortality Tables provide a stated termination
date of age 121. The Option to Extend Coverage, described in this illustration, allows the policy to continue beyond age
121. The tax consequences of extending the Maturity Date beyond the age 121 termination date of the 2001 CSO
Mortality Tables are unclear. The Owner should consult with a personal tax adviser about the effect of any changes to
the policy as it relates to section 7702 and the termination date of the Mortality Tables.
This illustration is not complete unless all pages are included.
June 17, 2016 FCU500.000 FCP4,740.00 RD021709 / Winflex Web / Rev. 032013 / Rel. 2016.4.5 Page 14 of 14

15. Client Input Summary
Company:
Product:
American General Life Insurance Company
QoL Guarantee Plus
June 17, 2016
2.51.00, 7.31.04
Insured
Client Name Mrs. VC
Sex Female
Date of Birth
Age 49
Save Age?
Class Preferred Non-Tobacco
Table Rating
Temporary Flat Extra
Permanent Flat Extra
State of Issue Idaho
Solve For
Solve For Guarantee Premium
Face Amount 01 to 99 - 500,000
Pay Premium To @105
Guarantee Age 105
Disbursements
Disbursements No
Policy Options
Premium Payment Mode Annually
Death Benefit Compliance Test Guideline
Lump Sum Amount
1035 Amount
1035 Loan Balance
Policy Is A Mec
Discounts
Are you applying for QoL Flex Term at the same time as base UL Policy? No
Will you be the same owner as the Associated UL Policy?
Will you use the same ABC billing as the Associated UL Policy?
Age Nearest
Class
Table Rating
Permanent Flat
Temporary Flat
For Years
1 - Face Amount
Page 1 of 3

16. Client Input Summary
Company:
Product:
American General Life Insurance Company
QoL Guarantee Plus
June 17, 2016
2.51.00, 7.31.04
Discounts - Cont'd
Level Premium Period
2 - Face Amount
Level Premium Period
3 - Face Amount
Level Premium Period
4 - Face Amount
Level Premium Period
5 - Face Amount
Level Premium Period
Total Coverage
Riders
Select Choice ABR Yes
Initial Defined Benefit % of Base 0
Is this a Term Conversion with Select Choice Defined Benefit ABR? No
What was the original issue age of existing Select Choice ABR that you are converting or transfering?
Terminal Illness ABR
Chronic Illness ABR
Critical Illness ABR
Accidental Death Benefit No
% of Base
Rating
Child Term Rider No
Amount
Waiver of Specified Premium No
Rating
Disability Income Rider No
Year
Occupation Class
Amount
Maturity Extension Rider Yes
Reports
Quote Yes
IRR Report No
Disclosure Page No
Revised Illustration No
Agent Info
Agent Name Lee Rogers
Agent Company
Page 2 of 3

17. Client Input Summary
Company:
Product:
American General Life Insurance Company
QoL Guarantee Plus
June 17, 2016
2.51.00, 7.31.04
Agent Info - Cont'd
Agent Address1
Agent Address2
Agent Address3
Agent City
Agent State Washington
Agent Zip Code
Agent Phone
Agent Fax
Agent Email
Agent License #
Page 3 of 3