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AmericAn GenerAl life insurAnce compAny

underwritinG And clAims Guide

JAnuAry 2016

This guide is the property of American General Life Insurance Company (American General Life).

In the event the person to whom it has been issued should leave the Company’s service, it is to be returned to the Manager immediately.

Proprietary Information. This guide is entrusted to you solely for use in your capacity as American General Life’s Agent. You should not share it with American General Life’s competitors or share it for any other purpose.

TAX GUIDENeither the Agent nor the company is authorized to offer tax advice. The information presented in this guide represents the understanding of the company with respect to current tax law. This information is not intended to be used in place of competent tax advice provided by the client’s accountant, attorney or other qualified tax consultant.

American General Life Insurance CompanyA member of American International Group, Inc. (AIG)

American General Center • Nashville, TN 37250-0001

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

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Table of Contents

Introduction ................................................................................................................................................................................................. 3Agent’s Responsibility in Underwriting ........................................................................................................................................................ 4Full Disclosure ............................................................................................................................................................................................. 4Disclosure Notices ...................................................................................................................................................................................... 4Completing the Application ......................................................................................................................................................................... 5Agent’s Report ............................................................................................................................................................................................. 6Collection of Premium With Application ...................................................................................................................................................... 6Tips for Faster Processing........................................................................................................................................................................... 6The Quick-Quote Process ........................................................................................................................................................................... 7Trial Applications ......................................................................................................................................................................................... 7Declined Applications .................................................................................................................................................................................. 8Contacting Producer Care ........................................................................................................................................................................... 8Financial Underwriting ................................................................................................................................................................................. 8Investor Owned Life Insurance .................................................................................................................................................................... 8Premium Financing ...................................................................................................................................................................................... 9Personal Applications over $500,000 and Business Applications over $250,000 ...................................................................................... 9Social Security, SSI, Welfare ..................................................................................................................................................................... 10Bankruptcy ................................................................................................................................................................................................ 10Business Life Insurance ............................................................................................................................................................................ 11How to complete the Financial Questionnaire .......................................................................................................................................... 12Charitable Giving/Non-Profit Organizations Involving the Sale of Life Insurance ..................................................................................... 13Occupations .............................................................................................................................................................................................. 14Military Risks ............................................................................................................................................................................................. 15Aviation ...................................................................................................................................................................................................... 16Avocations ................................................................................................................................................................................................. 17Motor Vehicle Violations ............................................................................................................................................................................ 17Criminal Activity ......................................................................................................................................................................................... 17Non Citizen and Foreign National Guidelines ............................................................................................................................................ 18Foreign Travel Guidelines .......................................................................................................................................................................... 21Juvenile Insurance ..................................................................................................................................................................................... 24Underwriting Requirements ....................................................................................................................................................................... 24Total Line of Coverage with American General Companies ...................................................................................................................... 27Attending Physician Statement (APS) ....................................................................................................................................................... 27Prescription Database ............................................................................................................................................................................... 28Timeframe for Acceptance of Underwriting Requirements ....................................................................................................................... 28Policy Change Transactions ...................................................................................................................................................................... 28Retention and Reinsurance Limits ............................................................................................................................................................ 28Non Tobacco Rate Class ........................................................................................................................................................................... 28Preferred Underwriting .............................................................................................................................................................................. 28Medical History ......................................................................................................................................................................................... 32Overweight ................................................................................................................................................................................................ 33Maximum Substandard Ratings per Age .................................................................................................................................................. 33Underwriting Medical Impairments ........................................................................................................................................................... 34Automatic Bank Check (ABC) Mode ......................................................................................................................................................... 46Policy Illustrations ..................................................................................................................................................................................... 46Replacements ........................................................................................................................................................................................... 47Policy Delivery ........................................................................................................................................................................................... 47Worksite Marketing .................................................................................................................................................................................... 48Life Claims Guidelines ............................................................................................................................................................................... 51Accelerated Benefit Rider Claim Filing Guidelines .................................................................................................................................... 52Health Claims Forms and Requirements Guide ........................................................................................................................................ 54

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Introduction

Our PhilosophyAmerican General Life’s life insurance underwriting practices reflect a core philosophy that focuses on the needs of our producers and their clients.

Underwrite the PersonAmerican General Life takes an inclusive view of the applicant. Our assessment process underwrites the person, not simply the medical history. For example, not all diabetics carry the same risk. Some may be assessed more favorably than others. We recognize that, although someone may have a health impairment, favorable factors can help reduce the extra risk associated with this impairment. We recognize there is a real person within the paperwork.

Enhance RelationshipsWe have the utmost respect for the Agent/client relationship and are committed to underwriting practices that strengthen that relationship.

Excel in Service and FairnessRecognizing the choices available today, we believe working to provide excellent service and best offers possible differentiates our Company.

We Bring This Philosophy to Life Through Our Commitment to:• Providewell-trainedmedicalandunderwritingprofessionals• Keepourunderwritingguidelinesup-to-datetoreflectmedicaladvancements• Continuallymonitormortalitytrends• Continuallyupdateourdebit/creditsystemtoacknowledgefavorablefactorssuchasfamilyhistory,lipids,EKG,recenttestingand

tobacco status• Leveragecurrenttechnologytomakeiteasytodobusinesswith

Theseguidelinesaresubjecttochange.Eachcaseisindividuallyunderwrittenastheseverityofmedicalconditionsvariesamongindividuals. Formal underwriting evaluation and pricing is based on the individual characteristics of each case. We strive to make prudent and competitive underwriting decisions that ensure needed protection will be there for you and your clients.

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Agent’s Responsibility in UnderwritingThis Underwriting Guide has been written to assist the Agent in the submission of applications and the processing required in the New Business Department. This Guide can not cover every situation which will arise in writing business for the Company. All questions should first be referred to your local management. Any questions that cannot be resolved locally should be referred to the ProducerCareGroup.

The quantity and quality of new business issued is essential to the success of our Company. The job of both the Agent and the Nashville Office Underwriter in the selection of business is to ensure the Company can maintain a competitive position and better serve its insureds. The job of the Agent is very important in this process. The Agent is often the only Company representative who hasface-to-facecontactwiththeProposedInsured.TheobservationsoftheAgentarekeyandmustbecommunicatedfullyinthecompletion of applications.

WhentheAgentisawareofanyadverseinformationregardingtheProposedInsured’sinsurabilityit is the Agent’s duty to communicate full details of such information to the Nashville Office Underwriter. A medical exam or inspection report alone will not relieve the Agent from communicating all details to underwriting. Failure to disclose significant information observed or provided by the applicant (i.e. understating weight) may result in an Underwriting violation.

Uninsurable Proposed Insureds. Applications should not be taken on, completed or submitted on persons who are uninsurable, including but not limited to those who are hospitalized, confined to any medical facility, hospice, nursing home, incarcerated in any jail, prison or other penal or correctional facility. Applications should not be written on any individual who is residing in a Group Home unless you have discussed the application with a Manager in the Underwriting Department at the Nashville Office. A group home is definedasanytypefacilitywherenon-relatedresidentsliveonapermanentbasisandpayforsomedegreeofsupervisionorcare.

Conditional Receipt.Ifapremiumdepositisacceptedwiththeapplication,aconditionalreceiptthataccuratelysetsforththeamountof premium deposited should be left with the applicant. The conditional receipt sets forth the conditions under which temporary insurance will be provided. The conditions of this temporary coverage should be brought to the attention of the applicant, who should be encouraged to carefully read the conditional receipt.

TheAgent’sunderwritingresponsibilitydoesnotendwiththeforwardingofacompletedapplicationtotheNashvilleOffice.Ifanyinformation which affects the insurability of a proposed insured comes to the Agent’s attention prior to or at the time of the delivery of the policy, such information should be promptly communicated to the Managing Director and by the Manager Director to Nashville Office Underwriting.

Likewise,ifduringthecontestableperiodtheAgentlearnsofinformationwhich1)affectstheInsured’sinsurability,and2)existedpriorto the date of the application, and 3) was not divulged on the application, this information should be promptly communicated to the Managing Director and by the Managing Director to Nashville Office Underwriting.

Agents are representatives of the Company, however they have no authority to waive any question, modify an application or bind the Company to any contract of insurance. They can make no separate agreements in reference to any policy.

Full DisclosureThe job of the Nashville Office Underwriter and Agent is made easier if full disclosure is made on the application for insurance. The processing will be smoother and faster if full and complete information is provided on the application. The Nashville Office Underwriter makesdecisionsoninsurabilitybaseduponthefactsaspresentedintheanswerstoquestionsontheapplication.Inaddition,forcertain amounts or if certain circumstances are present, the Underwriter may also utilize underwriting tools such as medical exams, laboratory test results, attending physician reports, and information sources such as commercial inspection reports, telephone interviews,MedicalInformationBureau(MIB)ifconfirmedthroughindependentsources,questionnaires,motorvehiclereportsandother sources in the underwriting process.

TheNashvilleOfficeUnderwriterreservestherighttosecureallinformationnecessarytomakeareasonabledecision.Itisthegoalofthe Nashville Office Underwriter to classify risks, by mortality factors, to the most accurate degree possible. To do this will occasionally require that additional information be secured.

Disclosure NoticesFederalLaw91-508,alsoknownastheFairCreditReportingAct,requirestheProposedInsuredbegivenawrittennoticeadvisingacommercialinspectionreportmaybesecured,thenatureandscopeofsuchareport,andtheProposedInsured’srightsunderthelaw.

TheMedicalInformationBureaualsorequirestheProposedInsuredbegivenawrittennoticeBEFOREtheapplicationiscompleted.ThisnoticeinformstheProposedInsuredoftheexistenceoftheMIB;thatsomeinformationconcerningtheProposedInsuredmaybesubmittedtotheBureaubytheinsurancecompanytowhichapplicationisbeingmade;thegeneralcircumstancesunderwhichitwillbereleasedtoothercompanies,andthattheProposedInsuredcanseekdisclosureofand,iffeltnecessary,disputetheaccuracyoftheinformation.Bytheacceptanceofthisnoticeandwillingnesstoproceedwiththecompletionoftheapplication,theProposedInsuredispresumedtohavegivenconsentfortheCompanytosendrelevantinformationtotheMedicalInformationBureau.

These notices are detachable from paper applications and other forms for which they are required. The Agent should have a supply ofthesenoticesfordistributionwhenusingelectronicapplications.IftheProposedInsuredrefusestoacceptthem,theAgentshouldimmediately discontinue application completion.

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ThestatesofArizona,California,Georgia,Illinois,Kansas,Nevada,NewJersey,NorthCarolina,Ohio,Oregon,andVirginiahaveinsuranceinformationandprivacyprotectionlawswhichrequirethattheProposedInsuredbegivenanoticeofinformationpracticesatthetimetheapplicationiscomplete.ThisnoticeinformstheProposedInsuredaboutthetypesofpersonalinformationthatmaybe collected, the types of sources that may be used to collect it, the circumstances under which such personal information may bedisclosedtoothers,andtheProposedInsured’srighttoaccessandtocorrectrecordedpersonalinformation.Bysigningtheauthorizationtoobtainanddiscloseinformation,theProposedInsuredgivesconsenttothecollectionandappropriatedisclosureofpersonalinformation.WhenusingtheElectronicApp,theAgentwillobtainthesignatureoftheProposedInsuredontheauthorizationsectionoftheelectronicapplicationandgivetheProposedInsuredapapercopyoftheNoticeofInformationPractices,AGLA4000N2.Whentakingapaperapplication,theAgentwillutilizeAGLA2118A.AfterobtainingthesignatureoftheProposedInsuredontheAuthorization,theAgentwilldetachtheNoticeofInformationPracticesandgiveittotheProposedInsured.

NON-COMPLIANCEWITHTHESEREQUIREMENTSMAYRESULTINSERIOUSCOMPLICATIONSFORTHEAGENTANDTHECOMPANY.APPLICATIONSRECEIVEDINTHENASHVILLEOFFICEWITHDISCLOSURENOTICESSTILLATTACHEDCANNOTBEACCEPTEDANDMUSTBERETURNED.

Completing the ApplicationThe application is the basis of the contract of insurance between the Company and the Applicant. Every question in the application is important and must be accurately and completely answered if required to be answered. EachquestionistobereadtotheProposedInsured(exceptinthecaseofinsuranceofaminorchild,inwhichcasethequestionsshouldbereadtotheApplicant)andthe answers recorded as given. Care should be given to completing the proper application for the insurance plan requested.

Applicationsmustbecompleted,dated,signedbytheApplicantandProposedInsured(s)(ifdifferentfromApplicant)andwitnessedbytheAgentinthepresenceoftheApplicant/ProposedInsured.ApplicationscannotbemailedorleftwiththeApplicantforcompletion.

Dark Ink. Dark ink must be used to complete paper applications. Black ink is preferable. Do not complete the applications in pencil.

Names.Printthefirstname,middlenameorinitialandlastnameoftheProposedInsured,beneficiaryandotherfamilymemberstobe insured. Full names should be used. Do not use nicknames or initials.

Addresses.Correctaddressesareimportant.Ifpremiumnoticesaretobemailedtoanaddresswhichdiffersfromtheresidentaddressthismustbeclearlyshownontheapplication.Iftheamountofinsuranceis$250,000ormoreyoushouldprovideaddressescoveringaminimumofthelastfiveyearsfortheProposedInsured.Formeraddressesshouldbegivenintheremarkssectionontheback of the application.

Social Security Number.AlwaysincludethesocialsecuritynumberoftheProposedOwnerofthepolicyontheapplication.Onjuvenile applications, we need both the child’s and the Owner’s social security numbers on the application. The child’s number will become important if and when the policy ownership transfers to the child.

Date of Birth. The date of birth determines the age at which the policy will be issued. Therefore, it is important that this be recorded accuratelyontheapplication.Iftheageanddateofbirthrecordedontheapplicationdonotagree,thenormalprocedureistochangetheagetoagreewiththedateofbirth.IftheAgenthasanyreasontoquestiontheaccuracyofthedateofbirthheorsheshouldaskfor documentation such as a driver’s license or birth certificate. The Agent should be aware of an upcoming age change and request the policy be dated to save age when applicable.

Height and Weight.Accuracyisessentialforthisinformation.Ifaccuracyisindoubt,noteontheAgent’sReport.

Occupation.ProvidefulldetailsconcerningtheProposedInsured’soccupationincludingduties,specificindustryinvolvedandanyotherparttimeortemporaryoccupations.AllactivitiesprovidingtheProposedInsuredwithincomeshouldbeprovided.AdditionaldetailsshouldbeincludedspecifyingthereasonsaPIisunemployed,disabledorretiredpriortothenormalretirementage.

Plan of Insurance. To designate the basic policy applied for on paper applications, use the abbreviated plan code (WL, ML, etc.). Term riders, family riders, and optional benefit riders applied for must be accurately identified. The amount and/or duration must also beincludedwhereneeded.Iffamilycoverageisappliedforyoumustcompletethesectionoftheapplicationwherethespouseand/orchildren are to be listed.

Beneficiary.Thebeneficiaryshouldbedesignatedusingthefullname.Inthecaseofamarriedwomanusehergivenname,middleinitialandthefamilynameofherhusbandifshehastakenherhusband’sname;suchas“MaryA.Smith,wife”ratherthan“Mrs.WilliamSmith,wife”.ThecorrectrelationshiptothePrimaryProposedInsuredshouldbegiven.

Ingeneral,anOwnercanlegallydesignateanyoneasbeneficiarywithoutregardtothatperson’sinsurableinterest.However,thepurpose for which life insurance is and should be purchased is best served if the beneficiary is a person who has an insurable interest inthelifeoftheProposedInsured.Infact,thelawsinsomestatesrequirethebeneficiarytohaveaninsurableinterestinlimitedsituations, usually involving minor insureds. The Agent should always encourage the naming of a beneficiary with insurable interest. An insurable interest in another person’s life can be defined as any reasonable expectation of benefits or advantage from the continued lifeofanotherperson.Suchabenefitoradvantageneednotbemonetary.Itmayalsoarisefromnaturalaffectionordependence.AnyapplicationsubmittedwithaquestionablebeneficiarymustbefullyexplainedbytheAgent.Iftheapplicationpresentsapossiblespeculative risk, the Underwriter reserves the right to decline to issue a policy.

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Signature. The application for insurance is the legal contract between the Company and the Applicant. As such, the information recordedontheapplicationandthesignaturescapturedarethemostimportantelementsintheFieldUnderwritingProcess.

ProposedInsuredage16andabovemustsigntheapplication(18inPA).

TheProposedInsured’sandApplicant’s(Owner)signature(s)mustbemadebytheirownhand.ThemarkoftheProposedInsuredorthe Applicant may be accepted only when that person is unable to write. The mark must be made by the person’s own hand and must be witnessed by someone in addition to the Agent. The Agent must provide an explanation for the Applicant’s inability to provide a signature. No signature should ever be changed or traced.

TheAgentmustneverallowsomeoneotherthantheProposedInsuredand/orapplicanttosigntheapplicationforthem.Sucha signature may be considered a forgery. Forgery is a felony in many states and will not be tolerated by the Company. Anyone discovered obtaining signatures on any Company forms, including an application, from some one other than the person whose signature should be provided, will be subject to disciplinary action up to and including termination of his or her contractual relationship with the Company and, if applicable, his or her employment and may be subject to prosecution.

Power of Attorney (POA).TheCompanywillnotacceptthesignatureofanattorney-in-factonbehalfoftheProposedInsuredsinceitviolatestheCompany’sunderwritingrules.ExceptasotherwiseprovidedbyCompanyrule,theCompanyrequiresthesolicitingAgenttopersonallyviewtheProposedInsuredaspartoftheriskappraisalandrequiresthehealthquestionstobeansweredbytheProposedInsuredratherthanathirdparty.

MostPOAdocumentspermitanotherpersontotransactbusinessforanindividualintheirabsence,illnessorincompetency.Certaintransactions, i.e. voting and applying for life or health insurance are personal and cannot be executed by another person.

Agent’s ReportTheAgent’sReportistobecompletedwitheveryapplication.Itisanimportantmeansofdevelopingunderwritinginformationand should be completed with care. Some of the questions in the report may require direct inquiry by the Agent and some may be answered from the Agent’s observations, personal knowledge or records. By providing the information and other pertinent information with the application the Underwriter is in a better position to make a decision quickly.

Collection of Premium With ApplicationPremiumshouldneverbecollectedwhenthefaceamountisgreaterthan$500,000(unlessNashvilleOfficeUnderwritinghasotherwise approved).

Tips for Faster ProcessingThere are a number of things the Agent can do to maximize faster processing of applications. Some of these include:

1. Use the Electronic App

2. Reviewallapplicationsforaccuracybeforesubmitting.Applicationsshouldincludeproperdetailtoallowforproperprocessing.

3. Onpaperapplications,makesuretheplan,amount,benefitsandriders,andmodeareavailableattheageoftheProposedInsuredbefore you submit the application.

4. On paper applications check the premium and mode to make sure it is available. Some modes are not available on some plans and/or amounts.

5. MakesurethebeneficiaryisfullyexplainedifitisnotoneofthebeneficiarieslistedasacceptableintheBeneficiarySectionofthisguide.

6. Makesureyouhavealloftherequiredsignaturesbeforesubmittingtheapplication.

7. CompleteandattachaPhysicalHistoryQuestionnairetotheapplicationifyouhaveanyquestionabouttherequiredexplanationon medical impairments.

8. Submitallrequiredauthorizations,replacementforms,etc.withpaperapplications.Werecommendyouretainaphotocopyofallpaperwork submitted.

9. Additionalformsrequiredonelectronicapplicationsshouldbefaxedto615-749-1FAX.Determinethepolicynumberaftertheelectronic app is submitted, write same on the form and then fax. Use the Agent’s Remarks section to notify the New Business Department that the additional form is to follow.

If you are not sure that any item is sufficiently covered by the application, attach a separate piece of paper to the application explaining the situation to the Underwriter. The more complete the information on the application, the smoother the flow of the application will be.

All these tips are important to providing the service levels desired. There are legitimate times when you or your Manager should call toexpediteprocessing.Therearealsotimeswhencallsimpedetheprocess.Knowthedifferenceandcallonlyifitwillexpediteprocessing.

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Worksite Applications• MailallWorksiteApplicationsusingtheenvelopespecificallyforWorksiteBusiness–32F11

• UtilizetheemailandfaxspecificallyforWorksite New_Business_Worksite@agla.com 615-749-2817fax

• RefertoProductAnnouncementPA04-01regardingrevisionofineligiblebusinesslistforWorksiteMarketing.

• UsecorrectForm8564-NewCaseChecklist

• Usecorrect8524-VoluntaryBenefitsTransmittalForm–Formmustbecompletedinfull.

• Provideform8520,PayrollDeductionClientCompanyUpdatewhenaddingmultipleapplicationstoexistinggroup. IncludetheexistingGroupNumberonthisform.

• Section125isavailableonAGWorksiteTermSM.

• RefertoWorksiteMarketingSectionforadditionalcaseforms.

The Quick-Quote Process• TheQuick-QuoteprocesshelpstheAgentobtainvaluableinputfromNewBusinesswithoutcompletinganapplicationforcases

that may involve:

- Existingseriousmedicalorphysicalimpairment - Adversemedicalorphysicalhistory - Considerablyoverweight - Aknownorsuspectedinsurancehazard - Previouslydeclined,postponedorrated

• ThissavestimeforboththeAgentandproposedinsured.ItreducesthelikelihoodoftheAgentcompletingtheapplication,collecting the initial premium, and then having the case declined or rated.

• YourManagerorLocalOfficestaffmaysubmitanemailQuickQuoterequesttotheHomeOffice.Theserequestsaregenerallyrespondedtowithin4-6businesshoursviaemail.

• ProvidethefollowinginformationtoyourcontactpersoninyourLocalOffice:Client’sage,gender,proposedfaceamount,Medicalfactor(s)known(height,weight,bloodpressure,cholesterol,etc.);SignificantMedicalcondition(s),Date(s)ofonsetandtreatment(s),Current Medications.

• Remember,theQuickQuoteresponsewillonlybeasaccurateattheinformationprovided.

Trial ApplicationsIftheinsurabilityoftheProposedInsuredisinquestionorthetotalamountappliedforexceeds$500,000,theapplicationshouldbesubmitted as a Trial Application. Trial applications are not to be used for situations involving difficulty in collecting the initial premium. To treat an application as a Trial Application the Agent should:

1. not collect any premium or partial premium with the application,2. notgiveanyconditionalreceipttotheApplicantorProposedInsured,3. obtain all authorization signatures on the application,4. complete all required disclosures, notices, illustrations, replacement forms, etc.,5. If a paper application is submitted do not write trial application on the face of the application form. To do so disallows us

from using the application if a policy can be issued. Write Trial Application in the Agent’s Report on the back of the application and6. donotrequestanymedicalexaminationsifsubmittingaTrialApplicationduetoquestionablehealth.7. ifsubmittinga“TrialApplication”,orapaperCODapplicationforamountsexceeding$500,000andthequestionsonthe

application do not indicated questionable health, Agents are to proceed acquiring Underwriting Requirements.

Trial applications should be completed only for the following situations:

1. anycompanyhas,withinthelastthreeyears,declinedtheProposedInsuredforinsuranceorpostponedanapplicationforinsurance.

2. theProposedInsuredhasbeendiagnosedashavingorbeentreatedforalcoholism,cancerormalignancy,myocardialinfarction(heart attack), angina, insulin dependent diabetes mellitus, emphysema, organ transplant or stroke within the last five years. Refer totheUnderwritingMedicalImpairmentssectionofthisguide.

3. theProposedInsuredhasbeenhospitalizedwithinthelastfourmonths.4. the“TotalAmount”(Benefit+Riders)beingappliedforonanyonelifeexceeds$500,000(unless Nashville Office Underwriting

has otherwise approved).

The Agent should provide full details regarding the medical history or condition that caused the application to be submitted as a TrialApplication.Alldoctor’s,clinics,hospitalsorothermedicalproviderswhohaverelevantmedicalrecordsontheProposedInsuredshould be listed with full name, address and telephone number provided.

IfyouhavequestionsregardingtheprocedureforsubmittingorwritingTrialApplicationswhichcannotbeansweredbylocalmanagementpleasecontactNewBusinessProduceCareGroup.

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Declined ApplicationsA notice of decline letter will be sent to the Agent on each application that has been declined or postponed. Refunds for declined applications are automatically initiated at the time of decline. Refunds are mailed to the payor of the policy.

Contacting Producer CareIfyouarecallingtheProducer’sCareUnitat1-800-351-2452,Option4thenOption2,(ForPartnersGroup,1-800-255-2702,Option1)there are a number of things you should consider before calling.

• Nevercalluntilyouaresurethequestioncannotbeansweredbyyourlocalmanagementteam.

• DonotcalltoaskifanitemhasbeenreceiveduntiltheNewBusinessDepartmenthashadsufficienttimetoprocessthedocumentand update the system.

• GivetheNewBusinessDepartmenttimetoprocessinformationbeforecallingtoaskaboutit.

• Whencalling,havethefilenumberreadytogivetothepersonyouarecalling.

• Ifnofilenumberisavailable,havethefullnameoftheProposedInsuredanddateofbirthoftheProposedInsuredreadytogivetothe person you are calling.

• Ifyouarecallingaboutalaboratoryreport,pleasehavethelabidentificationbarcodenumberavailable.Donotcallearlierthanoneweek after the specimen collection.

Financial UnderwritingThe amount of insurance in force and applied for must be proportionate to the applicant’s income. The table below shows the MAXIMUMincomemultiplefordifferentages.Forexample,anapplicantunderage40couldapplyforupto25timeshisorherannualincome. Higher amounts may be considered based on the specific needs developed by the Agent.

Age IncomeFactor*

≤40 25 41–50 20 51–55 15 56–65 10 66–70 5 ≥71 IndividualConsideration

* Multiplyannualearnedincomebythisfiguretodeterminemaximumamount.Themaximummultipleforindividualsunderage50withincomesunder$25,000is10.

• Foranonworkingspouseage65orlessandworkingspousecoverageknown: Householdincomeislessthan$25,000,wewillallowupto10timestheincomeoftheworkingspouse. Household income ≥$25,000,wewillmatchtheworkingspousescoverageupto$1,000,000. Amountsover$1,000,000willbeindividuallyconsideredbasedonestateplanningneeds.

• Foranonworkingspouseage65orlessandworkingspousecoverageunknown: Householdincomeislessthan$25,000,wewillallowupto10timestheincomeoftheworkingspouse. Householdincome$25,000-$99,999,wewillallowupto$250,000onthenonworkingspouse. Householdincome$100,000ormore,wewillallowupto$500,000onthenonworkingspouse.

• Foranonworkingspouseoverage65: The amount of coverage must be justified using estate planning needs.

• EstateConservationneedisbasedonthetaxablevalueoftheestate.Provideestateconservationanalysiswiththeapplication.Maximumallowablegrowthrateis6percentuptoamaximumlimitofdoublethecurrentgrossestate.

To consider higher amounts of personal coverage, additional needs must be supported on the questionnaire or other supporting documents,suchastheFactfinder(50B)orJourneyFactfinder.Inthecasewheretheprimaryinsureddoesnothaveanearnedincome (i.e., housewife, retired person, unemployed person) the Agent should submit documentation which justifies the amount of insurance applied for.

Investor Owned Life Insurance (IOLI)American General Life does not accept applications that are investor owned, stranger owned, or viatical transactions.

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Premium FinancingNAICIllustrationalongwithaPremiumFinancingProposal,initialedanddated,mustbesubmittedwithanyapplicationinvolvingpremium financing.

Forcasesinvolvingpremiumfinancing,theAgentCertification(form6202)isrequiredwithanyapplicationforpermanentlifeinsurancewithadeathbenefitof$500,000ormoreandtheinsuredisage67orolder.AmericanGeneralLifereservestherighttorequestthisform on other applications as appropriate.

EligibilityRequirementsforPremiumFinancinginclude:• Ages40-65• Haveearnedincomeof$150,000annually,and• Haveaminimumnetworthof$5,000,000

NAICIllustrationalongwithaPremiumFinancingProposal,initialedanddated,mustbesubmittedwithanyapplicationinvolvingpremium financing.

TwoformsthatneedtobeincludedwiththeapplicationonPremiumFinancingcases:• PremiumFinancingAgentAcknowledgement(form6203)whichonlyneedstobecompletedoncewithAmericanGeneralLife.• PremiumFinancingCustomerAcknowledgement(form6204)whichneedstobecompletedforeachPremiumFinancingcase.

Personal Applications Over $500,000 and Business Applications Over $250,000Inadditiontoaproperlycompletedapplication,acoverletterisrequiredforpersonalapplicationsover$500,000andbusinessapplicationsover$250,000.

Coverletterscanhelp“move”businessthroughtheunderwritingprocessandresultinafairandpromptdecisiononcases.TheUnderwriter never sees the applicant and relies entirely on the Agent’s information for their perspective. The information in the cover lettershouldamplifywhatisintheapplicationandistheAgent’scommunicationwiththeUnderwriter.Includeanyimportantfactsabout the applicant.

Typically the cover letter should include the following:• Amount of insurance: State the amount of coverage applied for versus the proposed insured’s income and the purpose of

coverage (business or personal). Advise how the amount of insurance was determined and the purpose (multiple of income, funding abuy-sellagreement,etc.)

RefertotheFinancialUnderwritingsectionofthisGuideandusetheIncomeFactorasabasisfordeterminingeligibleincomereplacementamounts.Explaintheneedforamountsexceedingtheincomemultiple.

•Cross Reference of any Other Applications: Such as business partners, family members or multiple applications on one applicant.

• Employment:Givedetailsregardingtheproposedinsured’sbusinessoremployment.“BusinessOwner”or“Selfemployed”isnotsufficient.

•Other Documentation: Submit the most recent balance sheet and income statement when the purpose is business coverage. Ifthepurposeoftheinsuranceisanestateplan,buy-sellagreement,etc.,attachacopyofwrittendocumentssuchasbuy-sellagreement or an affidavit or certificate of trust, including state approved certificates of trust.

• Replacement:Explainfullyanyreplacementofinforcecoverage.Explainexactlywhatisbeingreplacedandwhy.Ifnotbeingreplaced, make sure an explanation of the need for the total line is included. Submit a replacement form if required.

• Avocations:Foravocations,completetheappropriatequestionnaireasapplicable.Justthe“occasionaldive”madeonvacationcan hold up the case if the Underwriter was not aware at initial review.

• Foreign Travel: Ifforeigntravelisplanned,includeyourstateapprovedForeignTravel/ResidenceQuestionnaire.Foreigntravelismore prevalent in today’s global environment and more important to the Underwriter because of daily changing events in the world.

• Trust as Policy Owner or Beneficiary: Ifatrustistobeownerofthepolicy,includewiththeapplicationaCertificationofTrustformAGLC2239COT.Thetrusteemustsigntheapplicationforthetrust.Thebeneficiarysectionoftheapplicationshouldbeclearas to the name and date of the trust agreement.

Ifatrustisintheprocessofbeingcreatedattimeofapplicationandwillbecompletedsoon,theAgentmaysendaCODapplicationunsigned by the expected trustee. A cover letter from the Agent explaining the circumstances should be included with the COD application. Once the trust has been created, a new application with the trustee’s signature as owner of the life insurance and any additional forms that require an owner’s signature should be submitted with a new cover letter as described above and underwriting will be applied from the original application.

Applicationsof$10,000,000anduprequirespecialhandling.ContacttheNashvilleOfficeUnderwritingDepartmentpriortosubmittingapplications for these amounts.

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Social Security, SSI, WelfareUnemployed or receiving Welfare. The Agent will, on occasion, meet families where the head of household is unemployed. While many of these families may have need for insurance, the Agent must be fully aware this business usually has poor persistency.

Individualswhousuallyhavesteadyemploymentbutaretemporarilyunemployedorlaidoffforashortperiod,orareunemployedbetween school or military service, may be considered for plans and amounts consistent with their needs and economic circumstances.Beforeofferingcoverage(over$15,000toage49,over$24,999forage50andup),theAgentshouldverifythatallmedical and economic factors other than the temporary unemployment meet the Company’s underwriting requirements.

Individualswhoareconsistentlyorregularlyunemployedorreceivinganywelfareaid,andtheirdependents,regardlessofwhoownsthepolicy,areusuallyunacceptableforcoverage(over$15,000toage49,over$24,999forage50andup).

Social Security Disability and Supplemental Security Income.ProposedInsuredsreceivingSocialSecuritydisabilitymayqualifyforlifeinsuranceusingthesamemedicalqualificationsasotherProposedInsureds.FinancialjustificationmustbeshowniftheProposedInsuredisapplyingforcoverageamountsof$25,000andup.ProposedInsured’sreceivingSupplementalSecurityIncomearetypicallynotconsideredtobefinanciallyeligibleforpolicies(over$15,000toage49,over$24,999forage50andup)unlesstheyhavebeenreceiving this since childhood for blindness or deafness.

The Agent should inquire and indicate on the application the primary reason they qualify for government benefits.

Bankruptcy*Chapter 7Term InsuranceWewillnotconsidercoverageuntilthebankruptcyhasbeendischargedforatleast24months(2years),andfinancialdatasupportsthe total line of coverage to be in force.

ULWe can offer coverage to an individual with a history of Chapter 7 bankruptcy as soon as the bankruptcy proceedings have been dischargedaslongasfinancialdatasupportsthetotallineofcoveragetobeinforce.Ifthebankruptcywasdischarged less than 12 months ago,theproposedinsuredmustbeemployedfull-timeandhe/shemustprovideacurrentpaystubthatdocumentsanincomeappropriatefortheamountofcoverage.Ifapaystubisnotavailableataxreturnorsigned4506T-EZmaybeprovidedinsteadiftheproposedinsuredhasbeeninthesamejobsincethetaxreturnfilingdate.Ifusingnon-workingspouseguidelinestofinanciallyjustify,itisoktousehouseholdincometoassumefull-timeemployment,aslongasitisstillverifiedwithapaystubortaxreturn/4506T-EZ.

Chapters 11, 12, and 13Term InsuranceWewillnotconsidercoverageuntilthebankruptcyhasbeendischargedforatleast24months(2years),andfinancialdatasupportsthe total line of coverage to be in force.

ULWewillconsidercoverageforapplicantscurrentlyinChapter11,12,or13bankruptcyoncetheapplicantismakingregulardebtpayments and financial data supports the total line of coverage to be in force.

• Notethatwemayreducetheamountofincomeweconsidertheapplicanttomakebytheamountofthedebtpaymentmadeaspercourt direction (see below).

• Copiesofcourtpapersdirectingrepaymentwillberequiredforamountsof$5,000,000andup.

Multiple Bankruptcy FilingsTerm InsuranceNoofferuntildischargedfromlastbankruptcyforatleast60months(5years)andfinancialdatasupportsthetotallineofcoveragetobe in force.

ULNoofferuntildischargedfromlastbankruptcyforatleast24months(2years)andfinancialdatasupportsthetotallineofcoveragetobe in force.

Coverage Amount Consideration during the Repayment PeriodThe monthly repayment amount onlycomesintoplaywhentheapplicant,whoisintheChapter11,12,or13repaymentperiod,appliesforsomeamountapproachingtheincome-replacementmaximum. Generally, this becomes of concern when the amount of insuranceinforceandappliedforexceeds75%oftheincome-replacementmaximum.

* Credit report required on all cases with a pending bankruptcy or a bankruptcy discharged within the past 5 years.

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Business Life InsuranceBusinessownedlifeinsuranceshouldonlybewrittenforcoverageamountsof$25,000andup.Thissectionincludesabriefdescription of the most frequently encountered types of business insurance needs, beneficiary designations, ownership, premium payer and required signatures.

Before including any riders or benefits a purpose for the coverage needs to be established. The business should be the Applicant/Owner,beneficiaryandpremiumpayer.SignaturesrequiredinadditiontotheProposedInsuredincludeanofficerofthecorporation(ifaC-Corp)designatedtoactonbehalfofthecompany.Thetitleoftheofficershouldbeincludedwiththesignature.

EffectiveforlifeinsurancepoliciesissuedafterAugust17,2006,withafewexceptions,ALLemployerownedlifeinsurancemustmeetrequirementsforthedeathproceedstobereceivedincometaxfree.Iftheserequirementsarenotmetbytheemployer,theproceedscould be taxable to the extent that they exceed the amount paid for the policy. To the extent that a client is interested in purchasing employer owned life insurance, they should consult their tax advisors with regard to any questions pertaining to the employer owned lifeinsurancerequirementsinIRCsection101(j).

Amounts of CoverageBuy/Sell:Whenwritingapplicationsforabuy-sellagreementbetweenpartners,theamountofinsuranceoneachpartnershouldnotexceed each individual partner’s interest in the business.

Key Person: Coverage financially protects the company from adverse financial impact if a key employee suddenly dies. The policy would provide funds to find, recruit and train a replacement, help replace any lost profits, and strengthen the balance sheet to assure creditors that the business will continue.

Maximumof5to10timesannualcompensationofthekeyemployee.

Buy-Sell/Business Succession/Business ContinuationCoverageislimitedtothemarketvalueoftheproposedinsured’sportionofthebusinessasdetailedintheBuy-OutorBuy-Sellagreement, or third party financials.

Business Loan CoverageMinimum5yearsremainingontheloan,coveragelimitedto75percentofloan,proratedpereachowner’spercentshareofthebusiness.Businesswillbetheownerandbeneficiarywithcollateralassignmenttothedebtor.Venturecapitalislimitedto50percentcoverage, prorated as above.

Accidental Death BenefitAmaximumof$250,000perlifesubjecttoplanlimitations.Seeeachplanfordetails.Beforeincludinganyridersorbenefitsapurposeforthecoverageneedstobeestablished.ADisnotusuallyacceptableonbusinesscases.ForJuvenilesnomorethan$25,000ofADis acceptable.

Cover LetterFor all business owned life insurance cases, please complete a cover letter from the Agent furnishing a background of the business. Details of the type of business, length of time in business, number of employees, annual sales, plans for expansion, etc. should be made part of the letter accompanying the application.

KeyPersoncaseadditionalinformationincludes:1. What specific skills, knowledge, abilities does this person possess that make them key to the success of the business?2. Arethereotherkeypersonsandaretheyinsuredorbeinginsured?3. What is the compensation of the key employee and what does it consist of in terms of salary, bonuses, stock options, deferred

compensation, etc.?

Buy/Sell case, additional information includes:1. A description of the nature of the business operation, 2. Alistofallinsurancepoliciesoneachpartner/owner,includingpersonalandbusinessinsuranceand3. An explanation if applications are not submitted on each partner/owner.

Buy/SellCross Purchase Eachowneragreestopurchasetheinterestofadeceasedco-owneratanagreedprice.Eachownerappliesfor,owns,payspremiumand is the beneficiary of a life insurance policy each other’s life. Upon the death of an owner, the surviving owner(s) use the life insuranceproceedstohelppurchasethedeceased’sbusinessinterestunderthetermsoftheagreement.BoththeProposedInsuredandtheco-ownershouldsigntheapplication.

Entity PurchaseThe business agrees to purchase the interest of a deceased owner at an agreed price. The business applies for, owns, pays premium and is the beneficiary of a life insurance policy on each owner’s life. Upon the death of an owner, the business uses the life insurance proceedstohelppurchasethedeceasedowner’sbusinessinterestunderthetermsoftheagreement.BoththeProposedInsuredandthe owner designated to act on behalf of the business should sign the application.

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A note about partnershipsMostbusinesslifeinsuranceapplicationsinvolvingpartnershipsareusedtofundbuy-sellagreementswhichareidealforprotectingthetransferofbusinesstoanotherownerintheeventofdeath.Itisimportanttoproperlycompletetheapplicationstoaccomplishthedesired result. Any questions regarding the taxation or legality of arrangements should be referred by the prospect to his or her tax advisor and/or legal representative. Underwriting will not offer recommendations or suggestions regarding these matters.

How to complete the Financial Questionnaire (AGLA2181F). Thisformisrequiredforallbusinessinsurancecasesandforpersonalinsuranceapplicationsforamountsover$1,500,000.Let’stakeacloserlookatthepropercompletionofthisform.BesuretohavetheFinancialQuestionnaireavailablewhilereviewingthismaterial.

Question 1: What is the Applicant’s Income (before income tax)?• Itisimportanttolisttheincomeforthecurrentandprioryear• Showothersourcesofincomeasrequested

Question 2: What is the Applicant’s approximate net worth, i.e., assets minus liabilities?• Itisimportanttoshowtheapproximatenetworth(assetsminusliabilities)forthecurrentandprioryear• Abreakoutshouldbegivenforpersonalandbusinessassets

Question 3: What is the estimated tax liability at death?• Thisisarapidlychangingareaanduptodatetaxadviceshouldbeobtainedbytheclient

ESTATETAXEXEMPTIONBeginningJanuary1,2011,theestatetaxexemptionis$5,000,000andtheestatetaxrateis35%.

Question 4: How was the need for this new amount of coverage determined?• Itiscriticaltogiveenoughdetailstoexplainhowthefaceamountofcoverageneededwasdetermined.Seeabovediscussionon

personal insurance.

Business InsuranceTheFinancialQuestionnaireisrequiredonallbusinessinsurancecases,regardlessofamount.Let’stakeacloserlookatquestions5-11ofthisform.Note:All11questionsmustbeanswered.

Question 5: What is the purpose of this business insurance?• Indicatethepurposeofthecoverage,suchasBusinessContinuation(KeyPersonandBuy/Sell),ExecutiveBenefits(Executive

Bonus), etc.

- Developingtheinsurablevalueofakeyperson This is particularly challenging because it is necessary to make critical judgments about the role of the key person in the

organization, the special skills and resources that are contributed by the key employee, and the business environment. Life insuranceoperatestoindemnifythebusinessagainstlossresultingfromtheuntimelydeathofthekeypersonintwoways.Itcan replace that portion of the company’s profits that the key person contributes on a annual basis, or it can be used in ways that secure business opportunities against the threat of loss of capital and/or cash flow due to the key person’s premature death.Anappropriateratioofinsurancetocompensationmaybeaslittleas2orashighas20ormore,dependingonfactors such as the nature of the business, the key person’s relationship to the business, and whether the enterprise is new, established, or engaging in new expansion.

Question 6: Is there a written buy/sell agreement in effect? (If yes, attach copy)• Thiswillhelpidentifytheclient’spercentageofownershipandthebusinessvaluationformulatobeused.Attachabalancesheetandincomestatementforthemostrecentyearorquarter.Itisrequiredtohavethebuy/sellagreementfinalizedbeforesubmittingaformal life insurance application.

Question 7: Creditor: What is the name of lender?• Namethecreditorandindicateifthecreditorhasrequestedcoverage.Again,businessfinancialssuchasabalancesheetandincomestatementareneeded.Ifproposingpremiumfinancing,pleaseuseremarkssectiontodocument.

Question 8: Are other corporate officers or partners being insured?• Verificationofcoverageinforceorappliedforonotherpartners

Question 9: What percentage of the business is owned by the Applicant?• Verificationofwhatpercentageofthebusinesstheproposedinsuredowns.Thiswillhelpestablishtheamountofcoveragewecan

offer.

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Question 10: What is the estimated fair market value of business?• Establishingtheestimatedfairmarketvalueofthebusiness.Thisiscriticalinevaluatingtheneedforcoverage.Calculationswhich

may be used to establish value include:-Book Value (Net worth of Business). This is best suited for a business, which is a holding company, real estate development

business or a marginally profitable and highly competitive business where past earnings are unreliable to measure potential profits.-Capitalization of Earnings: The value is determined by multiplying annual earnings (net income) by a factor, as follows:-Wellestablishedbusinesswithlargeassets=factorof-12.-Establishedbusinessrequiringhighlycompetitivemanagementskills=factorof7-10-Business’whichdon’trequirealargeamountofcapitalbutdependonskillofmanagement=factorof-5-Price Earnings (P/E ratio). Divide the market price of the stock by the annual earnings per share. This ratio can then be applied bymultiplyingnetincomebytheP/Eratio.Thisnormallyworksbestforlargecompanieswheresomeindustrynumberscanbeused for comparison purposes.

Newstartupcompaniesareverydifficulttovaluesincelimitedornohistoricaldataisavailable.ProFormainformationisoflimitedvalue. We would need to look at market opportunity, consideration for goodwill, market sensitivity, venture capital partners, staffing environmentetc.Aclient’sCPA,controllerortaxadvisorwouldbeagoodresourceforcalculatingthisinformation.

Question 11: What are the financial details of the business?• Givefinancialdetailsofthebusinessforthecurrentandprioryear.Subtractingtheliabilitiesfromtheassetswillprovidethebook

value. The net income line can be used to help value the business as indicated above.

Youwillnote,we’veaskedforthemostrecentbalancesheetandincomestatement.Besurethequestionnaireisproperlyexecuted,as a copy will be placed in the policy. On certain cases (third party) audited financial statements or tax return forms might help support coverage.

SummaryThe information required to do a thorough job of financial underwriting is sensitive and confidential information. Working together we are able to protect the privacy of our clients and help them meet their financial objectives. Being familiar with what is required on these type cases up front will impress your client with the professional way you do your job and reduce the need for callbacks, which delay issue.

Charitable Giving /Non-Profit Organizations Involving the Sale of Life InsuranceLife insurance can be a means of making charitable contributions to not-for-profit organizations. The amount of requested coverage should be reasonable in relation to the loss by the institution upon the death of the proposed insured,andthefaceamountoftheapplicationshouldbereasonableinrelationtotheoverallfinancialpictureoftheProposedInsured.Insurancedeathbenefitsaregenerallylimitedtoamaximumof5to10timestheaveragesubstantiatedannualcontribution.

An obvious financial objective is to maintain a flow of income to a charity from an individual giver, but could also be purely for the purposeofleavingagifttoaninstitutionupondeath.TheeconomicstatusoftheProposedInsuredmustbeabletosupportcharitablegiving.

Mechanics of Life Insurance DonationsLife insurance may be used to make a charitable contribution in the following ways:• Designatingacharityasthebeneficiarywhileretainingownershipofthepolicy• Namingacharityasthe“irrevocable”beneficiarywhileretainingownership• Givinganexistinglifeinsurancepolicytoaqualifyingcharitableorganization• Purchasinganewlifeinsurancepolicynamingthecharityasownerandbeneficiary• Assigningvaluablepolicyrightstoacharity***Aclientshoulddiscussanytaxconsequencesofdonatingtoacharitythroughlifeinsurancewithhis/hertaxadvisororfinancialplanner.***

Information required:• AgeneralbackgroundoftheNPO/Charitableorganizationmustbeprovided,including:- Historyoftheorganization,howlongithasbeeninexistence- PurposeoftheNPO,who/whatNPObenefits- Numberofcontributors- Ratioofhowcontributionsareallocatedtoadministrativecostsversustheprimary- CertificationthatorganizationisanapprovedNPOasdeemedbytheIRS(ensureitisanon-profitorganization)

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• SubstantiatingInsurableInterestandReasonablePolicySize- Submitapplicationwithoutpremium- ThereshouldbePersonalLifeInsurancecoverageinplaceforpersonalneeds.Documentallcurrentpoliciesandpending

applications of the proposed insured listing the insurance company and death benefit amount- Documentationsubstantiatingtheaverageofthelastthreeyearstotalcontributions(thisincludesmoney,timeandproperty)bytheproposedinsuredtothenamedNPO

- Iftheamountofinsuranceisinexcessof$500,000,afinancialquestionnaireisrequired• ProposedStructureofArrangement(PolicyOwnership)- PolicyownedbytheinsuredwithirrevocablebeneficiarydesignationoftheNPO- PolicyownedbytheNPOviatrustagreement.SubmitTrustagreements(whichmustbeinexistencepriortotheissueofthelife/

annuity policy) for review• PrepaidContractArrangement:- Singlepremiumlifeinsurancecontract- Singlepremiumpaidtoannuitythatinturnpayspre-determinedlimited-paylifeinsurancecontract

Church - Protecting Charitable Giving through Life Insurance and Key Person Coverage for Clergy• Applicationsareoftenreceivedonclergymemberswhicharebasically“KeyPerson”typecoverage.Informationshouldinclude:- Totalcompensationthepersonreceivestoincludesalary,housingandtransportationtoestablishanappropriateamountoflife

insurance- Coverageamountsshouldtypicallynotexceed5to10timesunlessadditionaldetailssupportlargeramounts- Detailsshouldbeprovidedoutlininghowthepersonhashelped“grow”theChurch.Thiscanbeevidencedbythegrowthin

church membership and donations documented over the past several years• Lifeinsuranceissometimesusedonthepastortocoverloanstakenouttoenlargeorreplacefacilities.- DetailsoftheloanandacopyoftheloanagreementarerequiredwiththeApplication.- Usuallyonly85%oftheloaniscoveredbylifeinsurance.

• Churchmemberswhoregularlysupportachurchsometimeswanttoleavea“gift”totheirchurch.Inthesesituationsprovidethefollowing information:- Establishthepatternofgiving.Churchesusuallyprovideindividualyear-endstatementsprovidingthetotalamountofgifts,tithes,etc.Ifapersonprovidesaservicetothechurchsuchashelpingingroundsandbuildingupkeepthevalueofthisservicecanalsobe included.

- Ifthemembershipplanstoapplyasagroup(forindividualcoverage)provide:• Totalnumberofmembersinthecongregation• Howmanymemberswillapplyandthedemographicsofthegroup• Howlongtheapplicanthasbeenamember• EachApplicant’sannualgivingpattern

Anapplicantmaybeconcernedthattheirfamilies’circumstancesmaychangeinthefuture–theymaynamethechurchas“revocable”beneficiaryandstillretainflexibilityandcontrol.Thepolicyproceedswillbepassedfreeofbothgiftandestatetaxes.

OccupationsThe following schedule is offered as a guide for underwriting applicants whose occupations may expose them to possible accident or health hazards sufficient to warrant an extra premium or declination of coverage. The fact that an occupation is not listed does not necessarilyimplythatitisacceptableatstandardrates.Ifyouhaveanyquestionabouttheratingforaparticularoccupationrefertothe Rate Manual or contact Underwriting.

The following occupations may require a flat extra additional life premium charge. The amount of the premium charge will vary from $2.50perthousanddollarsofinsuranceto$20.00perthousanddollarsofinsuranceannuallyforBand2&upamounts.ForBand1amounts most occupations will qualify for a standard rate. Occasionally an extremely hazardous occupation will require declination of coverage. The absence of an occupation in the list below does not necessarily exclude that occupation from either an extra premium charge or declination of coverage. For the exact premium charge contact Nashville Office Underwriting.

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Aquanautics-diversAmusements, dancers, professional boxersAstronautics-AerospaceworkersBridge builders and construction workersBuilding demolition workersCarnival, circus and fair workersChemical and biological weaponry workersElectricalpowerworkersExplosivemanufacturingFishermen, off shoreHorse racing, stablemen, groomers, jockeys, trainers, exercise boysLiquor industry, bartendersLumber industry workersMarine industryMetal industriesMining, on shore and off shore, undergroundMountain guides, ski patrols and rangersMoving picture stunt personsNuclear energy workersOil and natural gas workersPolice,bombdisposalcrewRailroad, yard switchmenRiggers

Military RisksThis pertains to regular Military personnel and reservists (alerted for active duty). Details of exact duties in the service and aviation exposureshouldbecoveredontheMilitaryQuestionnaire(2181-M)whichshouldbesubmittedwiththeapplication.

Becauseworldeventsrapidlychange,theseguidelinesareregularlymonitoredandchangeswillbeappliedasappropriate.Iftheindividual has orders that will require travel to high risk areas, except in states where travel cannot be considered, we will not consider for coverage, just as we would not for civilians traveling to high risk areas.

AllapplicationsmustcomplywiththeNAICregulationsregardingmilitaryapplicants,perproceduresannouncedinMarketingBulletinMB08-22.

DisclosureFormAGLC103030“DisclosureFormForMilitarySales”,signedbytheActiveDutyServiceMemberandtheproducer,must be submitted with the application.

Active Military Personnel• ItisacceptableforAgentstowriteactivemilitarypersonnel• Nogovernmentallotmentforinitialpremiums.• Coveragecanbeconsideredtoamaximumof:

Rank American General Coverage Limit (Not Total Line)

New enlistee None

Academy or ROTC Cadet $250,000

Officer Candidate (School) (OCS) Amount based on enlisted rank

E1–E2 $100,000

E3–E5 $250,000

E6–E7 $500,000

E8–E9 $750,000

WO1–WO2 $1,000,000

WO3–WO4 $1,500,000

WO5 Normal income replacement guidelines

O1–O3 $1,000,000

O4–O6 $1,500,000

O7 and up Normal income replacement guidelines

ReserveorGuardMember–AlertedorMobilized Useby-rankcoveragelimits,asnotedabove

ReserveorGuardMember–NOTAlertedorMobilized Normal income replacement guidelines

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• Totallinemustmeetincomereplacementguidelines.• Theapplicantcanhaveanalertorordersforoverseasdutyaslongasnottoa“hotspot”(iftheapplicantcannotdiscloselocation,

the case cannot be written) (not applicable in all states). Application and exam papers must be completed in the United States.• NoSpecialForces,Rangers,SEALS,MarineRecon,DeltaForce,orothermembersofsimilarunits.

Additional Military Guidelines:• Reservists and National Guardsmen:Iftheyareemployedinaciviliancapacity(e.g.workatAmericanGeneral)andarenotalerted

for mobilization or already mobilized, they are underwritten based on their income and occupation and are not subject to the rank restrictions above.

• Reservists and National Guardsmen (alerted or mobilized) are underwritten as active military personnel detailed above • AGR soldiers/sailors/airmen(“activeguard/reserve”)arereservistswhoseoccupationisperformedinuniformatamilitaryunit.

They are subject to the same coverage limits as active military personnel above. •Military pilotsarenormallyratedandwewillnotconsiderforbetterwithanAER.• Amountsofcoverageovertheabovelimitsareonlyconsideredforveryexceptionalcircumstances(e.g.amilitarymedicalsurgeon

or dentist). Note:Plansforretirementarenotconsideredexceptionalcircumstances.Producersareadvisedtocontactthehomeoffice before writing an application they feel may be worthy of exception consideration.

We limit coverage for military applicants to reduce exposure during time of war/conflict, also taking into consideration that military training can be dangerous and accidents happen from time to time. The higher the rank, the less likely the applicant would be subject to the same risk as a lower enlisted serviceman. Therefore, we can consider higher amounts for military personnel of higher rank.

AviationInmostsituations,theCompanycanprovidecoverageforaviationhazardsbasedonanAviationQuestionnaireand,whereappropriate, additional ratings.

Most military aviation activities require an additional flat premium charge. For specific rates contact Nashville Office Underwriting.

ApplicationssubmittedonProposedInsuredsengagedinaviationactivitiesmustbeaccompaniedbyanAviationQuestionnaire(form2181).Thequestionnairewillprovideinformationtodetermineiffullcoveragecanbeprovidedand,ifso,therequiredpremium.IfaProposedInsuredisnotcurrentlyengagedinaviationactivitybuthaseitherparticipatedinthepastorexpressesadesiretodosointhefuture,anaviationexclusionridermaybeappropriate.Ifanaviationexclusionriderisused,insurancewillbeissuedinthe premium class which would be applicable if no aviation hazard were present. Whenever a policy is delivered which contains an aviation exclusion rider, the acceptance of such policy with limited coverage is subject to the applicant signing the rider. The signed copy must be returned to the Nashville Office before the policy will be placed in force.

• AviationExclusionRider(AER)ifratabledrivinghistory• Corporatepilots-ifplaneiscompany-owned,maintainedatsamestandardsascommercialaircraft,pilotwithATRcertificationorcommerciallicensewithIFRcertification,flyinginUSandCanadaonly-PreferredPlus

• Privatepilots(flyinginUSandCanadaONLY)- Studentpilots,atbestStandardPluswithadditional$3.50per$1,000- Licensedpilotswithover100hourssolohours-StandardPlus- Flyingmorethan200hoursperyear-likely$2.50per$1,000- FlyingintoMexico-$2.50per$1,000

• BestrateswithanAviationExclusionRider:- Withinourretention:√ Best rates otherwise qualified

- Overourretention:√ Permanentplans,PNT√ Termplans,STD+

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AvocationsParticipationinsomeactivitiespresentsadditionalmortalityhazardswhichrequireextrapremiumsperonethousanddollarsofinsurance, annually. The amount of the additional premium varies dependent upon the additional hazard involved. Following is a list of activitieswhichpresentsuchhazardsandarecommonlyencountered.Youmayencounterotheractivities,notascommon,presentingadditionalhazards.Therefore,thislistisnotallinclusive.IfyouencountersuchactivityyoushouldcheckwithNashvilleOfficeUnderwriting to determine if there may be additional premium required.

The list below includes activities which are broad in scope. The exact premium required will depend upon the individual circumstances involved.

ASport/AmusementQuestionnaireform2181AshouldbesubmittedwiththeapplicationonProposedInsuredswhoparticipateinthese or any other avocation activities which may be considered hazardous.

Automobile racingBalloonistsBicycle racing, professional Hang glidingMotorboat racing Motorcycle racingMountain climbing ParachutingRodeo competitionScuba or skin divingSnowmobile racingWater skiing, competition

Scuba DivingApplicantswhoarerecreationalSCUBAdiversareeligibleforourbestclass(PreferredPlus)ifallthefollowingguidelinesaremet:• Applicantdivestodepthsnotexceeding100feet• Participantsinnomorethan10divesperyear• Divesmustbeinopenwater;applicantdoesnotparticipateinwreck,salvage,caveorunder-icediving(penetrationdiving)• ApplicantisPADI,NAUI,orSSIcertifiedoralldivesaredonewithdivemasterorinstructorOtherwise• Ifover100feet,likely$2.50per$1,000• Noexclusionridersavailable

Motor Vehicle ViolationsHigh risk circumstances• DUIs-twoormoreinlast5years,decline.Oneinlastyear,decline• Morethan3movingviolationsinthelast3years,noDUIhistory-add$2.50per$1,000ormore• Morethan3movingviolationsinthelast3years,withsingleDUIhistory,age35andup-add$3.50per$1,000ormore,declineifoverage65

• SingleDUI>3yearsago,nootherviolations,possiblestandard(withnootherrelatedhistory)• SingleDUI>5yearsago,nootherviolations,possiblepreferredplus(withnootherrelatedhistory)SeePreferredCriteriasectionforPreferredinformation.

Criminal ActivityApplicants who have charges pending, are in jail, or who are on probation or parole, are postponed until out of jail and/or off probation or parole for at least 12 months.IndividualConsiderationforallothers.

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American General Life Visa Holder and Foreign National Guidelines1. GENERAL REQUIREMENTS

A. Solicitation.➢ All solicitation and all related aspects of the sale from the initial contact forward must take place within the U.S.➢ Nomarketingmaterialsorillustrationsshouldbeprovided,deliveredore-mailedoutsideoftheU.S.

B. Application, Medical Examinations and Policy Delivery.➢ All application sections and all medical examinations must be completed in the U.S. (Copies of exams completed outside

the U.S. for another company may be used along with a fully a complete paper application with all medical questions completed in a state where the producer is licensed).

➢ Medical exams performed at a U.S. embassy outside of the U.S. or on a vessel outside of foreign country territorial limits (international waters) will not be accepted.

➢ The policy must be delivered in the U.S. in accordance with delivery requirements of the state of issue.

C. Premium Payments.➢ The initial premium and all subsequent premium payments must be drawn on a bank account in the U.S.➢ All premium payments must be in full compliance with Company OFAC and AML procedures.

D. Post-Issue Policy Communications.➢ Allpost-issuecommunicationsregardingthepolicy,includingpremiumnotices,shouldbemailedtoanaddressofrecord

within the U.S.➢ IftheaddressofrecordisaP.O.Box,itmustbeownedandmaintainedbythepolicyowner.

2. APPROVED COUNTRIES *➢ Some countries’ laws prevent the purchase of a policy or contract outside of the customer’s country of origin, even if all

aspects of the transaction occur within the United States. ➢ Because of these restrictions, subject to all other requirements being met, we can only accept applications on citizens of the

countrieslistedbelow(seeChartinSection3or4todeterminetheRateClassdependingonCountryCode):*

Country CountryCountry / Jurisdiction Code Country / Jurisdiction Code

American Samoa AArgentina (Decline if residing in Argentina) AAustralia A

Bahamas, The B

Belgium ABermuda ABolivia BBrazil A

Canada (Decline if visa holder from or residing in Alberta, BC or Manitoba) ACaymanIslands B

Chile AChina B**Colombia DCosta Rica ADominican Republic BEcuador AFederated States of Micronesia BFrance (Decline if residing in France) A

Germany (German citizens must reside outside of Germanymorethan6monthsperyear) AGuam AHonduras CHongKong AIndia(DeclineifresidinginIndia) BIsrael(Decline:WestBankorGaza) BItaly AJamaica BJapan(mustbeinUSmorethan6monthsperyear) A

Malaysia BMarshallIslands BMexico(High-Net-WorthProfessionals/Execs= PNT)(PreferredPlusnotavailableforForeign Nationals) BThe Netherlands/Holland (not including Aruba, Curacao and Sint Maarteen) ANicaragua BNorthernMarianaIslands APalau BPanama(Decline:Panamaniancitizensresidingin Panama) APeru A

Philippines(DeclineifresidinginMindanao, ZamboangaPeninsulaandSuluArchipelago) B**Poland APuertoRico ARussia BSaudi Arabia CSingapore ASouth Africa BSouthKorea ASpain (Decline: Spanish citizens residing in Spain) A

Switzerland A

Taiwan ATurkey(Decline:RegionsborderingSyriaandIraq) BUnitedArabEmirates(UAE)(Dubai) AUK(England,Scotland,Wales,NorthernIreland) AU.S.VirginIslands AUruguay AVenezuela CVietnam C

* List Subject to Change – Does NOT apply to Permanent Residents (Green Card Holders) of the U.S. See Section 5** Link to Marketing Bulletin regarding special guidelines for Chinese and Filipino foreign nationals by clicking on their country code.

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3. INDIVIDUALS WITH A VALID VISA (Not Green Card Holders) A visa holder is defined as an individual residing full time in the U.S. on a valid visa. Acceptability is based on the individual’s

country of citizenship and evidence that supports the individual staying in the United States.

UNDERWRITING CLASSIFICATIONS AND AMOUNT LIMITS (See Section 2 for Country Code List)

Coverage Amount ** Country Code Rate Class* Term Permanent A BestClass $3,500,000 $10,000,000 B StandardNT/TOB(StdPlusifTerm) $3,500,000 $10,000,000 C StandardNT/TOB+$2/1000 $3,500,000 $3,500,000 D StandardNT/TOB+$3/1000 $2,000,000 $2,000,000

* VisaHoldersfromanapprovedcountryintendingtoresideintheU.S.permanentlywillbeconsideredforBest Class under the following parameters:

• 5yearscontinuousresidenceintheU.S. • Mortgageand/ormarriagetoaU.S.citizen • Long-termU.S.employment(atleast5yrs) • ProvideSSNorITINorIRSformW-9 • Familyincomeofatleast$50,000** AdditionalcoveragemaybeavailablethroughFacultativeReinsurance

ADDITIONAL REQUIREMENTS:➢ A completed Certification Regarding Taxes and Laws (Form AGLC103958).➢ Copy of Visa.Ifavisaisnotavailable,anexplanationisrequiredalongwithanothervalidU.S.Government-issuedpictureI.D.➢ SocialSecuritynumberorITIN(IndividualTaxIDnumber)orIRSformW-9.➢ TheproducerisresponsibleforobtainingandpayingforanyAPSorotherrequirementsneededfromoutsidetheU.S.➢ AnyrequirementsreceivedfromaforeigncountrymustbetranslatedintoEnglishattheproducer’sexpense.

4. FOREIGN NATIONALS AforeignnationalisanypersonwhoisnotaU.S.citizen,U.S.PermanentResident(GreenCardHolder)orindividuallivinginthe

U.S. with a valid work visa. This would include an applicant anticipating a short term or temporary stay in the U.S. (such as a visitor B1/B2Visa).

UNDERWRITING CLASSIFICATIONS AND AMOUNT LIMITS: (SeeSection2forCountryCodeList)

Coverage Amount * Country Code Rate Class Term Permanent A BestClass $3,500,000 $10,000,000 B StandardNT/TOB(StdPlusifTerm) $3,500,000 $10,000,000 C StandardNT/TOB+$2/1000 $3,500,000 $3,500,000 D StandardNT/TOB+$3/1000 $2,000,000 $2,000,000

* AdditionalcoveragemaybeavailablethroughFacultativeReinsurance

SUBSTANTIAL CONTACTS:➢ Should have Substantial Contacts with the U.S that are documented on the application or in a cover letter. ➢ Substantial Contacts requires that the insured and the policy owner (if insured does not own the policy):

• MustbeintheU.S.forapurposeotherthanthepurchaseofinsurance• HaveabankaccountintheU.S.,and• Satisfyoneofthefollowing:1. OwnrealpropertyintheU.S.;2. Havesignificant,systematicongoingbusinessactivitiesintheU.S.suchasregularphysicalvisitsorpresenceintheU.S.

for purposes of conducting business. The file should be documented with specific detail of the reason the insured and policyownerisintheU.S.;

3. MaintainaninvestmentinterestintheU.S.whichmayincludeinvestmentaccountownershipintheU.S.;or4. BeanemployeeofaU.S.-basedcompany.

• InfrequentvisitstotheU.S.forvacationorpleasureisnotconsideredaSubstantialContact.

APPLICANT SPECIFICATIONS:➢ Ages18-70.➢ Must be rated Table 4 or better.➢ Occupation must be technical, professional, business owner or executive in nature.➢ Unacceptable applicants include:

• Missionaries• Judges,politicians,unionleadersorforeigngovernmentemployees• Journalists

20

• Military,policeorsecuritypersonnel• Professionalathletesorotherhigh-profileoccupations• Privatepilots

➢ Spouses of Foreign National applicants•OnespousemustmeetSubstantialContactscriteria•Theotherspousecanqualifyforcoverage.Heorshe:

° Must be in the US for a purpose other than to purchase insurance, and° Must have a pattern of regular travel to the US, and° The application must be submitted at the same time as, or after the approval of, the spouse with Substantial Contacts,

and° Meet all other requirements for issue, and° Both applicants’ coverage must be through American General Life.

PRODUCT SPECIFICATIONS:➢ Permanentcoverage,Termplansof20yearsorgreater➢ NoChildriderorDisabilityIncomeRider➢ WaiverandADBareacceptableiffroman“A”countryPREMIUM:➢ The premium must be paid in U.S. dollars and drawn on a bank account in the U.S.➢ All premium payments must comply with applicable OFAC and AML procedures.

ADDITIONAL REQUIREMENTS:➢ HomeOfficeorderedInspectionReportrequiredforamountsof$1,500,001andup.➢ SocialSecurityNumberorITIN(IndividualTaxIDNumber)orIRSformW-8BEN.➢ All solicitation must take place within the U.S. Application must be taken in a U.S. state where the producer is licensed to do

business.➢ IfonEFT/ABCmode,acopyofavoidcheckwillberequiredinaditiontocompletedABCform.➢ All application sections, medical requirements and inspections must be completed on U.S. soil in jurisdictions in which the

insurer is licensed.➢ A completed Certification of Laws and Taxes (Form AGLC103958).➢ Copy of Visa.Ifavisaisnotavailable,anexplanationisrequiredalongwithanothervalidU.S.Government-issuedpictureI.D.➢ TheproducerisresponsibleforobtainingandpayingforanyAPSorotherrequirementsneededfromoutsidetheU.S.➢ AnyrequirementsreceivedfromaforeigncountrymustbetranslatedintoEnglishattheproducer’sexpense.➢ Ownershipmaybethroughatrust,partnership,LLP,LLC,corporationorotherlegalentitydomiciledintheU.S.Thetrust,

partnership,LLP,LLCorcorporationdocumentsmustbeinEnglishandfullyexecutedcopiesofsuchdocumentsshouldbesubmitted to company prior to policy issuance.

➢ Ownershipthroughaforeigndomiciledtrust,partnership,LLP,LLC,corporationorotherlegalentityisprohibited.➢ Ifthepolicyisownedbysomeoneotherthantheinsured,theinsurableinterestlawsofthestateofapplicationandissueapply.

5. PERMANENT RESIDENT, DUAL CITIZEN OR ASYLUM / REFUGEE STATUS➢ Permanent Residents of the U.S. (Green Card Holders)

• Willbeinsuredatbestavailableclasswithnocountryrestrictionsusingournormalretentionandreinsurancetreaties.(Allmedical requirements and inspection reports must be completed in the U.S.).

• Applicationmustclearlystateresidentstatus(i.e.GreenCardHolderorPermanentResident)withcardnumber.Copyofcard may be required.

➢ Dual Citizens–IndividualshavingcitizenshipwiththeU.S.andanothercountry(dualcitizens)willbeinsuredasU.S.citizens,subjecttofullunderwriting.IfdualcitizenshipdoesnotincludecitizenshipwiththeU.S.,thecountrycodeofthemostrestrictivecountry will be applied.

➢ Asylum or Refugee Status–IndividualsresidingintheU.S.onasylumorrefugeestatusmustbefromanapprovedcountryand will be considered for coverage based upon their county of origin and upon receipt of paperwork that documents an approved asylum or refugee status. An application for asylum or refuge is not sufficient. Streamlined Underwriting is not available.

➢ Temporary Protected Status (TPS)-IndividualsresidingintheU.S.onTPSfrom an approved country will be considered for coveragebasedupontheircountryoforiginanduponreceiptofpaperworkthatdocumentsanapprovedTPS.AnapplicationforTPSisnotsufficient.

Important Notes:➢ Eachcasewillbeindividuallyunderwrittenandassessed.➢ Forquotingpurposesonly.Quotesarenotconsideredbound:ourfinaldecisionattimeofunderwritingreviewmaychangeif/

whenworldconditionschange.EachCasewillbeindividuallyunderwrittenandassessed.➢ Country list and/or ratings will change quickly as world conditions change, and this publication may not reflect sudden

changes in the world situation.➢ Citizens of a U.S. territory are covered under our reinsurance treaty and will be handled as U.S. citizens.➢ IndividualsresidingincountriesorjurisdictionsunderacurrentU.S.StateDepartmentTravelWarningwillbeIndividual

Consideration and may be declined.➢ Wecannotwriteresidentsorcitizensof:Belarus,Burma,Coted’Ivoire,Cuba,DemocraticRepublicofCongo,Iran,Iraq,

Lebanon,Liberia,Libya,NorthKorea,Somalia,Sudan,SyriaandZimbabwe.

21

American General Life Foreign Travel GuidelinesThefollowingchartsdefinehowAmericanGeneralLifeInsuranceCompanywillassesstraveltovariouscountriesaroundtheworld.

Country Code To 8 Weeks 8 Weeks to 6 Months* A Best Class Best Class B Best Class Standard (Std Plus if Term) C Best Class Standard + $2/1000 D Best Class Standard + $3/1000 E Decline Decline E* postpone until 30 days after travel postpone until 30 days after travel IC Individual Consideration Individual Consideration

* Exceptwherenoted,extendedtravel(greaterthan6months)willbeconsideredonacase-by-casebasisandmaybeunderwrittenasaresidencycaseunderourForeignNationalguidelines.Inaddition,extendedtravel(greaterthan6months)outsideoftheU.S.or Canada will require facultative reinsurance if over our internal retention.

PRODUCT AND COVERAGE AMOUNTS➢ All plans of insurance are available.➢ Autobindupto$41milliononTermand$60milliononPermanent➢ JumboLimitto$65million➢ IndividualConsiderationforlong-termtravel(greaterthan1year)➢ IndividualConsiderationforamountsover$20million,agegreaterthan70,ratinggreaterthanTableD.

Important Notes:➢ Forquotingpurposesonly.Quotesarenotconsideredbound:ourfinaldecisionattimeofunderwritingreviewmaychangeif/

whenworldconditionschange.EachCasewillbeindividuallyunderwrittenandassessed.➢ Country list and/or ratings will change quickly as world conditions change, and this publication may not reflect sudden

changes in the world situation.➢ IndividualsresidingortravelingincountriesorjurisdictionsunderacurrentU.S.StateDepartmentTravelWarningwillbe

IndividualConsiderationandmaybedeclined.➢ Diplomats,embassyemployeesormissionariesassignedtoaC,DorEcountrygenerallywillnotbeconsideredforcoverage.

MissionariesassignedtoA&Bcountries,andindividualstakingshortmissiontrips(21daysorless)toA,B,C,Dcountrieswillbe considered.

➢ CertainstatesprohibitTravelWarningsasthesolebasisforanunderwritingdecision.PleaserefertotheapplicableUnderwriting Guidelines on State Restrictions on Foreign Travel for these states.

➢ Florida and Georgia prohibit action based on foreign travel.

COUNTRYLIST

COUNTRY CODEAfghanistan EAlbania B Algeria C American Samoa A Andorra A Angola(ExceptCabinda) CAnguilla B Antarctica ICAntigua&Barbuda BArgentina(DeclineforTravel>6months) AArmenia(Nagorno-Karabakhregions:Decline) BAruba B Australia A Austria A Azerbaijan (Western Border region: Decline) B Bahamas, The B Bahrain ICBangladesh D Barbados B Belarus(DeclineforTravel>6months) BBelgium A Belize B

COUNTRY CODEBenin B Bermuda A Bhutan B Bolivia BBonaire B Bosnia&Herzegovina BBotswana B Brazil A BritishVirginIslands ABrunei B Bulgaria B BurkinaFaso EBurma/Myanmar EBurundi ECambodia B Cameroon ECanada A CanaryIslands ACapeVerde BCaymanIslands BCentralAfricanRepublic EChad E

*PNTavailablefortravelerstoChinaandthePhilippinesfordurationsover8weeks

22

COUNTRY CODE COUNTRY CODE

Chile A China* BColombia(Ecuador/Venezuelaborderregions:Decline) DComoros B Congo (Brazzaville) D Congo(Zaire) ECookIslands ACosta Rica ACoted’Ivoire(IvoryCoast) E

Croatia B

Cuba ECuracao BCyprus ACzech Republic A

DemocraticRepublicofCongo(formerlyZaire) EDenmark ADjibouti CDominica B

Dominican Republic BDubai(UnitedArabEmirates) AEastTimor(GiliorIndonesianborderregions:Decline) B

Ecuador(Colombianborderregion:Decline) AEgypt EEngland AEquatorialGuinea BEritrea DEstonia AEthiopia DFalklandIslands AFederated States of Micronesia B Fiji B Finland A France(DeclineforTravel>6months) AFrench Guyana B FrenchPolynesia BGabon B Gambia B Gaza EGeorgia (Ossetia or Abkhazia regions: Decline) B Germany A Ghana B Greece A Greenland A Grenada B Guadeloupe B Guam A Guatemala C

Guernsey A

Guinea EGuinea Bissau C Guyana B Haiti EHonduras C HongKong AHungary A Iceland AIndia(KashmirorJammuregions:Decline) B (DeclineforTravel>6months) Indonesia(Aceh,Papua,CentralSulawesi,Maluku B regions: Decline) Iran EIraq EIreland AIsrael(Overage70requiresFacultativeReinsurance B if over our retention) (West Bank or Gaza: Decline) Italy AIvoryCoast(Coted’Ivoire) EJamaica BJapan(DeclineforTravel>6months;Declineif A travelwithintheFukushimaNuclearPowerPlant 50mileprecautionaryzone)Jordan BKazakhstan BKenya D (Lamu County, and provinces bordering Somalia: Decline) Kiribati BKosovo BKuwait ICKyrgyzstan ELaos B Latvia A Lebanon D Lesotho B Liberia E*Libya ELiechtenstein A Lithuania A Luxembourg A Macau A Macedonia B Madagascar B Malawi B Malaysia B Maldives BMali EMalta A MarshallIslands BMartinique B Mauritania (Algeria or Mali border regions: Decline) C Mauritius B Mexico (Travel to or through any region bordering the United States may be declined) B Micronesia B

23

COUNTRY CODE COUNTRY CODE

Moldova B Monaco A Mongolia B Montenegro(U.K.Territory) AMorocco (Western Sahara region: Decline) B Mozambique B Nambia B Nauru B Nepal D Netherlands A New Caledonia B NewZealand ANicaragua B Niger D Nigeria ENiue C NorthKorea ENorthMarianaIslands(CommonwealthofU.S.) ANorthernIreland ANorway AOman IC

Pakistan EPalau B

Palestine EPanama(DeclinefortravelbyPanamanian A citizens>6months)PapuaNewGuinea DParaguay BPeru(Ayacucho&Huallagaregions:Decline) APhilippines*(Mindanao,ZamboangaPeninsula, B and Sulu Archipelago regions: Decline)Poland APortugal APuertoRico AQatar CRepublic of the Congo (Capital: Brazzaville) D Romania A Russia(Chechnya,Dagestan,Ingushetia,North B Ossetia regions: Decline) Rwanda (Congo border region: Decline) CSamoa B San Marino A

SaoTomeandPrincipe BSaudi Arabia CScotland A Senegal B Serbia&Montenegro BSeychelles B SierraLeone E*Singapore A Slovakia A Slovenia A

SolomanIslands BSomalia ESouth Africa B SouthKorea ASouthSudan ESpain A SriLanka(NorthernProvinces:Decline) DSt. Barthelemy ASt.Eustatius BSt.KittsandNevis BSt. Lucia BSt. Maarten B St.VincentandtheGrenadines BSudan ESuriname B Swaziland B Sweden ASwitzerland A Syria ETaiwan A Tajikistan(Afghanistan,Kyrgyzstan,Uzbekistan D border region: Decline) Tanzania B Thailand(Pattani,Yala,Narathiwat,and IC Songkhla regions: Decline) Tibet (part of China) B Togo C

Tonga B Trinidad and Tobago B Tunisia ICTurkey(RegionsborderingSyriaandIraq:Decline) B

Turkmenistan B Turks/Caicos B Tuvalu BU.S.VirginIslands AUganda (North/Congo border region: Decline) BUkraine(unlesstraveltoCrimea,thenDecline) ICUnitedArabEmirates(Dubai) A UnitedKingdom AUruguay A Uzbekistan(Afghanistan,Tajikistan,Kyrgyzstan D border regions: Decline) Vanuatu BVaticanCity AVenezuela CVietnam CWales A WestBank EWesternSahara EYemen EZambia BZimbabwe E

*PNTavailablefortravelerstoChinaandthePhilippinesfordurationsover8weeks

24

Juvenile InsuranceJuvenilesaredefinedasclientsage0to17.

Financial Requirements:Forfaceamountsof$0-$500,000(amountsrequiringonlyaNon-Med*)

• Parent(s)/Guardianwillneedtohave2xtheamountbeingrequested,includinggroupcoverage,ifapplicable(unlessstatespecificstatutes apply).° Ifparentshavedifferingamountsofcoveragewewillusetheparentwiththelesseramount(unlessoneisuncovereddueto

uninsurability or other extenuating circumstances)° All siblings require equal amounts of coverage

Forfaceamountsgreaterthan$500,000° Individualconsideration

• AnAPSand/orTISmaybeorderedforcausebasedupontheunderwriter’sjudgement.

Seepages25&26forage/amountrequirementsandpage27forAPSorderingguidelines.

Underwriting RequirementsLimits. Limits have been established as guidelines for the development of information from outside sources such as paramedical examinations, blood tests, urine tests, and other sources of information. Additional information may be required without regard to stated limits, if the Nashville Office Underwriter determines it is necessary to properly appraise the risk.

Medical Examinations. The Agent should order medical examinations for all applications on which the net amount at risk exceeds the non medical limits. The net amount at risk includes all unexamined amounts issued during the past twelve months.

The examination must be on a form acceptable in the state which is the basis of the contract.

Blood Profile Requirements.Ifabloodprofileisrequiredinstructtheproposedinsuredthatbloodshouldbedrawnonlyafteratleasta8hourfast.Approvedparamedicalexaminerscanobtainbloodprofiles.Bloodprofilescannotbeacceptedfromanysourcesotherthananauthorizedexaminer.TheONLYapprovedparamedicalcompaniesforbusinessunderwritteninNashville,TNare:

APPROVED PARAMEDICAL EXAMINERS1. EMSI 1-800-872-36742. APPS/Portamedic 1-800-727-29993. ExamOne 1-800-272-0454

When requesting a paramedical service, give the provider the following information:• IdentifyyourselfasanAgentofAmericanGeneralLife• ProvideCRLlaboratorycodeAGLA(AGN)• StatethattheapplicationistoalwaysbeunderwritteninNashville,TN

A special authorized written consent form is needed in some states prior to the oral fluid specimen or blood draw. Failure to complete this consent form will result in an additional blood draw or oral fluid collection.

In order to expedite the Telephone Interview process all applicants should be informed by their Agent that someone may contact them to complete an interview. The Telephone Interview toll free response number is 1-800-888-3947. The hours of operation are 7:00 a.m. CST to 8:00 p.m. CST, Monday through Thursday and until 7:00 p.m. CST on Fridays.

THEPROPOSEDINSUREDSHOULDBEADVISEDBYTHEAGENTTHATTHENASHVILLEOFFICEMAYTELEPHONETHEM.InterviewsarecompletedmoresuccessfullywhentheProposedInsuredisexpectingthecall.

Commercial inspection reports will be ordered from the Nashville Office on larger amounts of insurance. See the chart below for amounts where this will be required.

Physical History Questionnaires.ThePhysicalHistoryQuestionnaireisdesignedtodevelopveryspecificinformationcoveringcertain medical impairments. A fully completed questionnaire submitted with the application will often allow the Nashville Office Underwritertoaccuratelyevaluateamedicalimpairment.InmanycasesatimeconsumingandcostlyAttendingPhysician’sStatement may be avoided. Refer to the form to determine the medical conditions for which this may be used. A supply is kept in theLocalOffice.QuestionnairesmayalsoberequestedbytheNashvilleOfficeUnderwriter.ThediabetesandhighbloodpressurequestionnairesarepartoftheSmartPadprocess.Planscallforadditionalformstobeadded.*ULPlans:StandardRateClassOnly.Ages18-50andamountsupto$249,999subjecttoOralFluid&MVR.

25

AmountAges0-15

Ages16-17

Ages18-39

Ages40-44

Ages45-49

Ages50-55

Ages56-60

Ages61-66

Ages67-70

Ages71+

0to$24,999 NM NM NM NM NM NM NM(APSmay be

required, see page 27)

NM(APSmay be

required, see page 27)

NM with a currentAPS

NM with a currentAPS3

$25,000to$99,999

NM NM NM NM NM PM,B/U PM,B/U PM,B/U PM,B/U,AC PM,B/U2, AC

$100,000to$249,999

NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG

PM,B/U,EKG

PM,B/U,EKG,MVR,

AC

PM,B/U2, FT, EKG,MVR,71IR,AC

$250,000 NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG

PM,B/U,EKG

PM,B/U,EKG,MVR,ES,AC

PM,B/U2, FT, EKG,MVR,71IR,ES,AC

$250,001to$499,999

NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG

PM,B/U,EKG,FQ

PM,B/U,EKG,MVR,ES,FQ,AC

PM,B/U2, FT, EKG,MVR,71IR,ES,FQ,

AC

$500,000 NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG

PM,B/U,EKG,FQ

PM,B/U,EKG,MVR,ES,FQ,AC

PM,B/U2, FT, EKG,MVR,71IR,ES,FQ,

AC

$500,001to$1million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG,

MVR,FQ

PM,B/U,EKG,MVR,FQ,ES,AC

PM,B/U2, FT, EKG,MVR,FQ,71IR,ES,

AC

$1,000,001to$1.5million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR,FQ

PM,B/U,EKG,

MVR,FQ

PM,B/U,EKG,

MVR,FQ

PM,B/U,EKG,

MVR,FQ

PM,B/U,EKG,

MVR,FQ

PM,B/U,EKG,

MVR,FQ

PM,B/U,EKG,MVR,FQ,ES,AC

MD, B/U2, FT, EKG,MVR,FQ,71IR,ES,

AC

$1,500,001to$3million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR,FQ,

ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,MVR,FQ,ES,AC

MD, B/U2, FT, EKG,MVR,FQ,71IR,ES,

AC

$3,000,001to$5million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR,FQ,CR,ES

PM,B/U,EKG,

MVR,FQ,CR,ES

PM,B/U,EKG,

MVR,FQ,CR,ES

PM,B/U,EKG,

MVR,FQ,CR,ES

PM,B/U,EKG,

MVR,FQ,CR,ES

PM,B/U,EKG,

MVR,FQ,CR,ES

PM,B/U,EKG,MVR,FQ,TPF,ES,

AC

MD, B/U2, FT, EKG,MVR,FQ,TPF,71IR,

ES,AC

$5,000,001to$10million

IC,FQ¹,TPF1

IC,MVR,FQ¹,TPF1

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,

MVR,FQ,TPF,ES,

TT

PM,B/U,EKG,

MVR,FQ,TPF,ES,

TT

PM,B/U,EKG,MVR,FQ,TPF,ES,

TT, AC

MD, B/U2, FT, EKG,MVR,FQ,TPF,71IR,ES,TT,AC

Greater than $10million

IC,FQ¹,TPF¹

IC,MVR,FQ¹,TPF¹

PM,B/U,EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U,EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U,EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,TT,

AC

MD, B/U2, FT, EKG,MVR,FQ,TPF,71IR,ES,TT,AC

American General Life Age and Amount Underwriting Requirements - 2016PERMANENT PLANS ONLY

¹FQandTPFforajuvenileshouldbecompletedonHeadofHousehold(orpersonwhowouldreceivedeathproceeds.)2LabTestingincludesNTpro-BNPattheseagesandamounts.3NooffertobemadewithoutacurrentAPS,seepage28

NM=Non-medical

AHIPAAauthorizationisrequiredforallages&amounts.

FaceamountisbasedonthetotalamountofcoverageissuedandplacedinforcebyallAmericanGeneralLifeCompanieswithinthepast12months.

AdditionaldatabasechecksmaybeorderedfromtheHomeOffice.(ThismayincludeanRxDatabaseCheck,propertyverification,Internetreport,MIB,orotherresearchdeemednecessarybyUnderwriting.)

26

American General Life Age and Amount Underwriting Requirements - 2016 TERM PRODUCTS ONLY

¹FQandTPFforajuvenileshouldbecompletedonHeadofHousehold(orpersonwhowouldreceivedeathproceeds.)2LabtestingIncludesNTpro-BNPattheseagesandamounts.3NooffertobemadewithoutacurrentAPS,seepage28.

NM=Non-medical

AHIPAAauthorizationisrequiredforallages&amounts.

FaceamountisbasedonthetotalamountofcoverageissuedandplacedinforcebyallAmericanGeneralLifeCompanieswithinthepast12months.

AdditionaldatabasechecksmaybeorderedfromtheHomeOffice.(ThismayincludeanRxDatabaseCheck,propertyverification,Internetreport,MIB,orotherresearchdeemednecessarybyUnderwriting.)

AmountAges0-15

Ages16-17

Ages18-39

Ages40-44

Ages45-49

Ages50-55

Ages56-60

Ages61-66

Ages67-70

Ages71+

0to$24,999 NM NM NM NM NM NM NM(APSmay be

required, see page 27)

NM(APSmay be

required, see page 27)

NM with a currentAPS

NM with a currentAPS3

$25,000to$99,999

NM NM NM NM NM PM,B/U PM,B/U PM,B/U PM,B/U,AC PM,B/U2, AC

$100,000to$249,999

NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG

PM,B/U,EKG

PM,B/U,EKG,MVR,

AC

PM,B/U2, FT, EKG,MVR,71IR,AC

$250,000 NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG

PM,B/U,EKG

PM,B/U,EKG,MVR,ES,AC

PM,B/U2, FT, EKG,MVR,71IR,ES,AC

$250,001to$499,999

NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG

PM,B/U,EKG,FQ

PM,B/U,EKG,MVR,ES,FQ,AC

PM,B/U2, FT, EKG,MVR,71IR,ES,FQ,

AC

$500,000 NM MVR PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG

PM,B/U,EKG,FQ

PM,B/U,EKG,MVR,ES,FQ,AC

PM,B/U2, FT, EKG,MVR,71IR,ES,FQ,

AC

$500,001to$1million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG,MVR

PM,B/U,EKG,MVR,

FQ

PM,B/U,EKG,MVR,FQ,ES,AC

PM,B/U2, FT, EKG,MVR,FQ,71IR,ES,

AC

$1,000,001to$1.5million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR,CR

PM,B/U,EKG,

MVR,CR

PM,B/U,EKG,

MVR,CR

PM,B/U,EKG,MVR,

CR

PM,B/U,EKG,MVR,

CR

PM,B/U,EKG,MVR,CR,FQ

PM,B/U,EKG,MVR,FQ,ES,AC

MD, B/U2, FT, EKG,MVR,FQ,71IR,ES,

AC

$1,500,001to$3million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR,ES

PM,B/U,EKG,

MVR,ES

PM,B/U,EKG,

MVR,ES

PM,B/U,EKG,MVR,

ES

PM,B/U,EKG,MVR,

ES

PM,B/U,EKG,MVR,ES,FQ

PM,B/U,EKG,MVR,FQ,ES,AC

MD, B/U2, FT, EKG,MVR,FQ,71IR,ES,

AC

$3,000,001to$5million

IC,FQ¹ IC,MVR,FQ¹

PM,B/U,MVR,FQ,

ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,

MVR,FQ,ES

PM,B/U,EKG,MVR,FQ,ES

PM,B/U,EKG,MVR,FQ,ES

PM,B/U,EKG,MVR,FQ,ES

PM,B/U,EKG,MVR,FQ,TPF,ES,

AC

MD, B/U2, FT, EKG,MVR,FQ,TPF,71IR,

ES,AC

$5,000,001to$10million

IC,FQ¹,TPF¹

IC,MVR,FQ¹,TPF¹

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,

MVR,FQ,ES,TT

PM,B/U,EKG,MVR,FQ,ES,TT

PM,B/U,EKG,MVR,FQ,TPF,ES,TT

PM,B/U,EKG,MVR,FQ,TPF,ES,TT

PM,B/U,EKG,MVR,FQ,TPF,ES,

TT, AC

MD, B/U2, FT, EKG,MVR,FQ,TPF,71IR,ES,TT,AC

Greater than $10million

IC,FQ¹,TPF¹

IC,MVR,FQ¹,TPF¹

PM,B/U,EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U,EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U,EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,

TT

PM,B/U2, EKG,IR,MVR,FQ,TPF,ES,TT,

AC

MD, B/U2, FT, EKG,MVR,FQ,TPF,71IR,ES,TT,AC

27

AC Agent’s Certification

APS* AttendingPhysician’sStatement

B/U Fullbloodprofile&urinalysis

CR* Credit Report

EKG RestingEKG

ES* ElectronicRecordsSearch

FQ FinancialQuestionnaire

FT FunctionalTestsconductedwithPM/MD

IC Individualconsideration

IR* InspectionReport

MD Exambyphysician

MVR* MotorVehicleReport

PM Paramedicalexamtoincludeheight/weight,bloodpressureandpulse

TIS* TelephoneInterview

TPF ThirdpartyfinancialsprovidedbyCPAwithfirst-handknowledgeofclient’sfinances

TT* TaxTranscript-ClientmustprovideRequestforTranscriptofTaxReturn(IRS4506T-EZ)

71IR* ExpandedInspectionReporttoincludeCognitiveTests

* Nashville Office Ordered Requirement

Total Line of Coverage with American General CompaniesAll American General Companies (including American General Life, Nashville) belong to the AG Life Division and are covered under the same life reinsurance treaties. The agreement mandates that total amount of coverage at all AG Companies be considered for the purposes of underwriting and reinsurance.

Simultaneousapplicationsorapplicationswithin12months,onthesamelifeatmultipleAGCompanies,mustmeettheunderwritingrequirements for the total amount at risk. AG companies reserve the right to request any additional underwriting information felt to be pertinent to the total amount at risk regardless of when applied for.

Attending Physician Statement (APS)AnAttendingPhysicianStatementmaybeorderedbytheNashvilleOfficeUnderwriterasneeded.BelowaregeneralguidelinesusedtodeterminewhenanAPSshouldbeobtainedbasedontheapplicant’sage,amountofcoverage,anddateoflastphysicalexam:

Ages Guidelines 0–5 amountsover$100,000(requirespediatricianrecords) 6–17 amountsover$500,000andphysicalexamwithin2years 6–17 amountsover$3,500,000andphysicalexamwithin5years 18–39 amountsover$2,000,000andphysicalexamiswithin2years 18–39 amountsover$3,500,000andphysicalexamiswithin5years 40–59 amountsover$1,000,000andphysicalexamiswithin3years 40–59 amountsover$3,500,000andphysicalexamiswithin5years 60–70 Allamountsandphysicalexamiswithin5years+ 71–80 Allamountsandphysicalexamiswithin2years+ 81+ Allamountsandphysicalexamiswithin1year+

Forages0-17,seeJuvenileInsuranceSectionofthisguide.

TheNashvilleOfficeUnderwriterreservestherighttorequestanAPSforanyageandamountasneeded.

+ Older Age Guidelines

Ages 60-70 StandardifnocompletePEwithin2years 71-80 DeclineifnocompletePEwith2years 81+ DeclineifnocompletePEwithin1year

Acompletephysicalexam(PE),forages60andup,isdefinedasafullexamwithapersonalphysician,includingahistory,physicaland labs. A brief blood pressure check or prescription refill would not satisfy this definition.

28

Prescription Database (RxDB)The Agent must carefully develop medical history to include all medications a proposed insured is taking or has been prescribed. PrescriptionDatabase(RxDB)checksareroutinelydoneonapplicants.

Timeframe for Acceptance of Underwriting Requirements• Ages0-70:Applications,examinations,labs,MVRs,EKGs,treadmill,andinspectionaregenerallyvalidforuptooneyearaslong

asthenewcaseisplacedandpaidinthattime.Ifevidenceofinsurabilityis>90days,aGoodHealthStatementisrequiredupondelivery.Ifevidenceofinsurability>within2weeksofbeing90days,aGoodHealthStatementwillberequired.

• Ages71+:Applications,examinations,labs,MVRs,EKGs,treadmill,andinspectionaregenerallyvalidforsixmonthsaslongasthenewcaseisplacedandpaidinthattime.Ifevidenceofinsurabilityis>60days,aGoodHealthStatementisrequiredupondelivery.Ifevidenceofinsurability>within2weeksofbeing60days,aGoodHealthStatementwillberequired.

• Whenreopeningacase,aGoodHealthStatementisrequired,regardlesstheageoftheexam.• Anypolicyreissuerequiringanunderwriter’sreviewwillneedaGoodHealthStatement,regardlesstheageoftheexam.• GoodHealthStatement(GHS)ispartoftheamendmentdocument,noadditionalGHSisrequiredifanamendmentisneeded.

Policy Change TransactionsAnincreaseoradditionoflifecoveragerequestedviaPolicyChangeApplication(formAGLA5004)hasthesameunderwritingrequirementsasanewapplication.RequestsforCTR,AD,PWandratereductionswillrequireafullycompletedformAGLA5004only.Any additional requirements would be at the discretion of the Nashville Office. Requests for a change to a non tobacco classification willrequireafullycompletedformAGLA5004andoralfluid.

EligibilityforaNonTobaccoratingwillrequirethattheinsuredhasnotusedtobaccoinanyformoverthepast12months.Eligibilitywill also require that there have been no health changes since original issue that may possibly be linked to tobacco use: i.e. heart, respiratorydisease,cancerandwillrequirenegativelabtestingincludingtestsforHIVanddrugsofabuse.TheUnderwritingDepartment will evaluate any documented health change on the Customer Service change form.

PolicieswhichhavebeenissuedonaPreferredTobaccoorStandardTobaccoratecanbereducedtonobetterthanStandardNTsubjecttomeetingtheaboverequirements.Preferredcriteriarequires3yearsormoreabstinencefromtobaccoproductstoqualifyforaPreferredClass.Also,onlyULproductsareeligibletoimproveapreferredcategoryandwouldbesubjecttofullunderwritingrequirements.

Retention and Reinsurance LimitsRetentionThrough$3.5milliononTermand$10milliononUL.

Reinsurance

Autobindcapacityupto$41millionontermand$60milliononUL.Jumbolimitis$65million.

Thesemaximumretentionandreinsurancelimitsaregenerallyforages0-70,Table4orbetter.

Pleasecontactyourunderwritingteamforages71+orknownhighersubstandardsituations.

Non-Tobacco Rate ClassTheNonTobaccorateclassisavailableforanyonewhohasnotusedtobaccoinanyformoramountinthepast12months.Tobaccouse includes but is not limited to cigarettes, cigars, pipes, smokeless tobacco, chewing tobacco/snuff, nicotine substitutes (including patches and gum), electronic (smokeless cigarettes):

Underwriting is willing to consider the occasional cigar smoker under the following guidelines:• Theusemustbeadmittedatthetimeofapplicationorinquiry(i.e.,inspectionreport)andallcasedatamustcoincidewiththe

admitted degree of usage,• Nomorethanonecigarperweek,• Nonicotinemetabolites(cotinine)maybepresentinourlabtestingoranylabtestingperformedbyanothercarrierwithinthepast

12months,and• Nouseoftobaccoproductsotherthanoccasionalcigarsforatleast5yearspriortothetimeofapplicationorinquiry.

Iftheseguidelinesaremet,thecigarusewillbeconsideredanon-factorintheriskevaluationprocess.Thiswillallowindividualstoreceive our best rating class if all other criteria are met.

This policy will apply only to occasional cigar users and not other forms of tobacco.

Iftheapplicantsmokescigars,butdoesnotmeettheseguidelines,he/sheshouldbeconsideredaTobaccouser.

Preferred UnderwritingOnlytheverybestriskswillqualifyforPreferredRatesforfaceamountsof$100,000-up(ages20up).Routinely,Standard(notPreferred)ratesshouldbequotedandusedinthesubmissionoftheapplication.TheNashvilleOfficewillusethefollowingguidelinestodetermineifthePrimaryProposedInsuredqualifiesforPreferredorStandardrates.Thebasepolicymustbeatleast$100,000tobeeligibleforconsiderationforPreferredrates.RegularunderwritingrequirementsfromtheageandamountchartswillroutinelyprovidetheinformationneededtoconsiderPreferredrates.AnypolicywhichrequiresaflaxextraorTableratingwillnotbeeligibleforpreferred rates.

29

AMERICAN GENERAL LIFE PRODUCTS PREFERRED CRITERIA – PERMANENT PRODUCTS

PNT SNT PrefTob St Tob

Lab Scoring Used for Rate Class evaluation, term only

No Tobacco (years) 3 1 - -

Aviation or Harzardous Avocation No YeswithFE no YeswithFE

Cholesterol/CHOL/HDL ratio

Ifratio<6.0,245Ifratio<5.5,290

Ifratio>6.0,245Ifratio>5.5,290

Ifratio<6.0,245Ifratio<5.5,290

Ifratio>6.0,245Ifratio>5.5,290

Blood Pressure

0-60:145/8861+:155/88

Blood pressuretreatmentOK

0-60:>145/8861+:>155/88BloodPressure treatmentOK

0-60:145/8861+:155/88

Blood pressuretreatmentOK

0-60:>145/8861+:>155/88

Blood pressuretreatmentOK

Build See Current (new) height and weight chart

MVR

NoDUI,reckless,revocation, suspension/6years

NoDUI,reckless,revocation, suspension/

3 years

NoDUI,reckless,revocation, suspension/6years

NoDUI,reck-less, revocation,

suspension/3 years

Family History

No death due tocoronary artery dis-ease or cancer3 prior

toage60(parents only)

-

No death due tocoronary artery

disease or cancer3 priortoage60(parents only)

-

NOTE:Ignorefamilyhistoryifproposedinsuredisage>65andignoregender-specificcancersatallages4

Personal HistoryNo canceror ratable

impairment

No canceror ratable

impairment

1 Will be considered with appropriate rating.

2RefertotermchartforPrefPlus1BPreadings.

3 A rating may apply due to overall driving history.

4 Family History of cancer in parents includes melanoma but usually not other skin cancers. Family history can be disregarded for a proposedinsuredage66andabove.Genderspecificcancerscanbedisregardedatallages(Maleinsured:disregardmotherhxbreast,ovarian, cervical cancer. Female insured: disregard father hx prostate, testicular cancer).

30

AM

ER

ICA

N G

EN

ER

AL

LIFE

PR

OD

UC

TS

PR

EFE

RR

ED

CR

ITE

RIA

– T

ER

M P

RO

DU

CT

S

PrefPlus

PNT

STDPlus

SN

TPrefTob

St

Tob

Lab

Sco

ring

Use

d fo

r R

ate

Cla

ss e

valu

atio

n

No

To

bac

co (y

ears

)5

31

1-

-

Avi

atio

n o

r H

arza

rdo

us

Avo

cati

on

No

No

YeswithFE

YeswithFE

noYeswithFE

Cho

lest

ero

l/C

HO

L/H

DL

rati

oIfratio<5.0,215

If ratio<4.5,290

Ifratio<6.0,245

If ratio<5.5,290

Ifratio<7.0,260

If ratio<6.5,290

IIfratio>7.0,260

If ratio>6.5,290

Ifratio<6.0,245

If ratio<5.5,290

Ifratio>6.0,245

If ratio>5.5,290

Blo

od

Pre

ssur

e

0-60:135/85

61+:140/85

Blo

od p

ress

ure

treatmentOK

0-60:140/85

61+:150/85

Blo

od p

ress

ure

treatmentOK

0-60:145/88

61+:155/88

Blo

od p

ress

ure

treatmentOK

0-60:>145/88

61+:>155/88

Blo

od p

ress

ure

treatmentOK

0-60:140/85

61+:150/85

Blo

od p

ress

ure

treatmentOK

0-60:>140/85

61+:>150/85

Blo

od p

ress

ure

treatmentOK

Bui

ldS

ee C

urre

nt (n

ew) h

eigh

t an

d w

eigh

t ch

art

MV

R

No DUI,reckless,

revo

catio

n,

susp

ensi

on/

7 ye

ars

NoDUI,reckless,

revo

catio

n,

susp

ensi

on/

6years

NoDUI,reckless,

revo

catio

n,

susp

ensi

on/

5years

NoDUI,reckless,

revo

catio

n,

susp

ensi

on/

3 ye

ars

NoDUI,reckless,

revo

catio

n, s

usp

ensi

on/

6 years

NoDUI,reckless,revo-

catio

n, s

usp

ensi

on/

3 ye

ars

Fam

ily H

isto

ry

No

coro

nary

arte

ry d

isea

se o

r ca

ncer

3 p

rior

to a

ge

60(p

aren

ts o

nly)

No

dea

th d

ue t

oco

rona

ry a

rter

y d

is-

ease

or

canc

er3

prio

r toage60

(par

ents

onl

y)

One

cor

onar

yar

tery

dis

ease

or

canc

er3

dea

th p

rior

toage60

(par

ents

onl

y)

-

No

dea

th d

ue t

oco

rona

ry a

rter

y d

isea

se

or c

ance

r3 p

rior

to a

ge

60(p

aren

ts o

nly)

-

NOTE: Ignorefamilyhistoryifproposedinsuredisage

>65andignoregender-specificcancersatallages4

Per

sona

l His

tory

No

canc

eror

rat

able

imp

airm

ent

No

canc

eror

rat

able

imp

airm

ent

No

canc

eror

rat

able

imp

airm

ent

No

canc

eror

rat

able

imp

airm

ent

*Whereapplicablebyplanandstateapproval.

1 W

ill b

e co

nsid

ered

with

ap

pro

pria

te r

atin

g.2

A r

atin

g m

ay a

pp

ly d

ue t

o ov

eral

l driv

ing

hist

ory.

3 AIGusesalabscoringmethodologytodeterminepreferredrateclassesforTermapplications,andoverallacceptability.Applicationswithfavorablelabscoringresults,in

additiontoourestablishedpreferredcriteria,areeligibletoreceiveourbestoffers.ThevastmajorityofapplicantswhopreviouslymetPreferredPlus,PreferredNonTobacco,

StandardPlus,orPreferredTobaccorateclasscriteriacontinuetodoso.

4 FamilyHistoryofcancerinparentsincludesmelanomabutusuallynototherskincancers.Familyhistorycanbedisregardedforaproposedinsuredage66andabove.

Gen

der

sp

ecifi

c ca

ncer

s ca

n b

e d

isre

gard

ed a

t al

l age

s (M

ale

insu

red

: dis

rega

rd m

othe

r hx

bre

ast,

ova

rian,

cer

vica

l can

cer.

Fem

ale

insu

red

: dis

rega

rd fa

ther

hx

pro

stat

e,

test

icul

ar c

ance

r).

31

Preferred Build Criteria 2005 ImplementationHeight & Weight Chart

MALE

Height Preferred Plus Preferred NT Preferred T Standard Plus Std Std

Feet In Low High Low High Low High Low High NT T

4 8 83 131 82 141 82 141 81 147 >147 >1414 9 85 136 84 146 84 146 83 153 >153 >1464 10 88 141 87 151 87 151 86 158 >158 >1514 11 92 146 91 156 91 156 90 164 >164 >1565 0 96 151 95 161 95 161 94 169 >169 >1615 1 99 156 98 167 98 167 97 175 >175 >1675 2 103 161 102 172 102 172 101 180 >180 >1725 3 107 166 106 177 106 177 105 186 >186 >1775 4 110 172 109 183 109 183 108 192 >192 >1835 5 114 177 112 189 112 189 111 198 >198 >1895 6 117 183 116 195 116 195 114 204 >204 >1955 7 121 188 119 200 119 200 118 210 >210 >2005 8 123 194 122 206 122 206 120 217 >217 >2065 9 128 200 126 212 126 212 125 223 >223 >2125 10 130 205 129 219 129 219 127 229 >229 >2195 11 134 211 132 225 132 225 131 236 >236 >2256 0 137 217 136 231 136 231 134 242 >242 >2316 1 142 223 140 237 140 237 138 249 >249 >2376 2 145 230 144 244 144 244 142 256 >256 >2446 3 149 236 147 251 147 251 145 263 >263 >2516 4 152 242 151 257 151 257 149 270 >270 >2576 5 157 249 155 264 155 264 153 277 >277 >2646 6 161 255 159 271 159 271 157 284 >284 >2716 7 165 262 164 278 164 278 162 291 >291 >2786 8 169 269 168 285 168 285 167 299 >299 >2856 9 174 275 173 292 173 292 172 305 >305 >292

FEMALE

Height Preferred Plus Preferred NT Preferred T Standard Plus Std Std

Feet In Low High Low High Low High Low High NT T

4 8 82 129 81 139 81 139 80 143 >143 >1394 9 84 134 84 143 84 143 83 148 >148 >1434 10 87 139 86 148 86 148 85 153 >153 >1484 11 90 143 89 153 89 153 88 158 >158 >1535 0 92 148 91 159 91 159 90 164 >164 >1595 1 94 153 93 164 93 164 92 169 >169 >1645 2 97 158 96 169 96 169 95 175 >175 >1695 3 99 160 97 175 97 175 96 180 >180 >1755 4 101 169 100 180 100 180 99 186 >186 >1805 5 103 174 102 186 102 186 101 192 >192 >1865 6 106 180 104 191 104 191 103 198 >198 >1915 7 107 185 106 197 106 197 105 204 >204 >1975 8 111 191 110 203 110 203 108 210 >210 >2035 9 114 196 112 209 112 209 111 217 >217 >2095 10 117 202 116 215 116 215 114 223 >223 >2155 11 120 208 118 221 118 221 117 229 >229 >2216 0 122 214 121 227 121 227 120 236 >236 >2276 1 126 220 124 234 124 234 123 242 >242 >2346 2 128 226 127 240 127 240 126 249 >249 >2406 3 132 232 131 246 131 246 129 256 >256 >2466 4 136 238 134 253 134 253 132 263 >263 >2536 5 139 245 137 260 137 260 136 270 >270 >2606 6 143 251 141 266 141 266 139 277 >277 >2666 7 145 257 144 272 144 272 142 284 >284 >272

32

Medical HistoryInformationconcerningaProposedInsured’shealthhistory,essentialforproperriskclassification,isobtainedprimarilybytheAgentthroughcarefulquestioningoftheProposedInsuredexceptwheresuchinformationisgatheredinthecourseofamedicalexaminationbyanexaminerengagedbytheCompany.ItisimportantallquestionsareunderstoodbytheProposedInsuredandansweredfullyandcorrectly.TheAgentmustrecordtheanswersexactlyasgivenbytheProposedInsured.

ManyProposedInsuredshaveperiodicphysicalexaminationsaspartofaprogramofpreventivemedicine.Mostexaminations,however,arepromptedbysymptomsorillnessorforcontrolofchronicdisease.TheProposedInsuredshouldbequestioned,indetail,regarding the reason for the examination and the doctor’s diagnosis or findings. The doctor’s full name and address should be given along with the dates of the examination or consultation.

Ifallquestionsregardingpastmedicalhistoryareanswered“no”,andparticularlyiftheProposedInsuredisage50orolder,theAgentshouldcarefullyquestiontheProposedInsuredasecondtime.Itisunusualforanyonetohavenotseenadoctororothermedicalproviderespeciallyiftheyareage50orover.

Details of Medical HistoriesWhen a medical history is developed, secure the information indicated below:

1) Date of Onset. List month and year in which the illness or disability commenced or injury occurred.

2) Duration.Listnumberofdays,weeksormonthstheProposedInsuredwasdisabledorinimpairedhealthbyreasonofillnessorinjury.Iftherewasahospitalconfinementindicatethenumberofdayshospitalized.

3) Details of Illness, Impairment or Check up.FurnishtheinformationasdescribedinthewordsoftheProposedInsured.Itnormallywillincludediagnosis,typeoftreatmentandresultsoftreatment.Ifdiagnosticstudiessuchaslaboratorystudies,x-ray,electrocardiogram,CATscan,etc.wereperformed,providethetypeandresultsofstudies.Provideanydetailswhichdefinetheproblem and/or results of treatment.

4) Pending Testing or Treatment.Ifmedicaltestingormajorsurgeryhasbeenadvisedbutnotcompleted,theapplicationshouldnot be written.

5) Names, Addresses and Phone Numbers of Medical Providers. On the application or on a separate attachment provide the name of the doctor or medical facility, the full address including zip code and the telephone number of the doctor or medical provider.Ifmorethanonemedicalproviderwasused,provideallnames,addressesandphonenumbersalongwiththeserviceprovided by that specific medical provider. Failure to provide full information may result in underwriting delays.

33

OverweightFor insurance purposes, obesity ratings are based on mortality studies and average weights found in the insured population. For mortality, the range of increased weight acceptable at standard rates is relatively wide.

ThefollowingchartincludesminimumweightsforTableB.Whentheweightexceedstheselimitsby50pounds,contactNashvilleOffice Underwriting before writing the application.

Weight

Height Ages 16-44 Ages 45 and over

4’8” 168 172 4’9” 174 178 4’10” 180 185 4’11” 186 191 5’0” 193 198 5’1” 199 204 5’2” 206 211 5’3” 212 218 5’4” 219 225 5’5” 226 232 5’6” 233 239 5’7” 240 246 5’8” 247 254 5’9” 254 261 5’10” 262 269 5’11” 269 277 6’0” 277 284 6’1” 285 292 6’2” 293 300 6’3” 301 309 6’4” 309 317 6’5” 317 325 6’6” 325 334 6’7” 333 342 6’8” 342 351 6’9” 350 360

ProposedInsuredsabovetheseheightsandweightsshouldanticipateasubstandardrating.

Maximum Substandard Ratings by Age Age Table Rate 0-15 F 16-70 P 71-75 L 76-80 H 81-85 StandardOnly

34

Underwriting Medical ImpairmentsThefollowingUnderwritingMedicalImpairmentsectionofthisguideisdesignedtoprovidecommonratingsformanytypesofillnessesandmedicalconditions.Eachindividualcasewillberatedonitsownmeritsandmayvaryfromthoselistedinthisguide.

Risk Categories:* NotRated RatedA-C1 RatedD-H2 RatedI&Above3 Decline1UptoTableCorFlatextras$5.00orlessper$1000.2TableDtoHorFlatextraabove$5.00per$1000.3TableIandabove.PermanentPlansOnly.

*Mayqualifyforbetterthanstandardratesinsomecases.

Multiple impairments are considered on an individual basis.

Acromegaly x Addison’s Disease x ADHD/ADD x x AIDS/HIVPositive(HumanImmunodeficiencyVirus) xAlcohol Treatment History Current Alcohol Use (Adv Hist) x AlcoholismReformed(2-yearpostponement) x x Alzheimer’s Disease xAmenorrhea x Amyloid Disease xAmyotrophic Lateral Sclerosis (ALS) xAnemia Most cases recovered x Aplastic Anemia x Sickle Cell Disease x Sickle Cell Trait x Aneurysm Unoperated x Operated,after6months x xAnginaPectoris Angioplastybypasswithin6months x MyocardialInfarction&Angina x x Prinzmetal x Priortoage40 x Unstable (Crescendo) x With normal angiography x xAngioneuroticEdema x Ankylosing Spondylitis x x Anorexia Nervosa Current x Recovered, stable at least 1 year x x Anxiety Disorders Mildorwell-controlled x Others x x

NotRated*

RatedA-C

RatedD-H

RatedJ&Above

Dec

line

*Mayqualifyforbetterthanstandardratesinsomecases.

Not

Rat

ed*

Rat

ed A

-C

Rat

ed D

-H

Rat

ed J

& A

bov

e

Dec

line

35

Aortic Aneurysm Unoperated x Operated,after6months x xAortic Murmurs/insufficiency x x Arrhythmias Atrial Fibrillation x x FewPVCs x ManyPVCs x x Arteriosclerosis Obliterans x x Arteriovenous(AV)Malformations Cerebral unoperated x Operated,noresidual,stablefor6months x x Arthritis Osteo x Other (see specific diagnosis) ArtificialValve Valvereplacementwith6months(notermcoveragelessthanage50) x Good heart function x Moderate to poor heart function xAsbestosis Mild cases, no present exposure x Others xAscites xAsthma Mild, no hospitalization, no meds x Other x x Asymmetric Septal Hypertrophy Age30orless x Overage30,nosymptoms x Atrial Fibrillation x x x xAtrial Flutter x x x xAtrial Septal Defect Small, otherwise normal findings, stable x With complications xAtrioventricular Block Incomplete(1stdegree) x 2nddegreeblockwithpacemaker x 2nddegreeblockwithoutpacemaker x Complete block (3rd degree) with pacemaker x 3rd degree block without pacemaker xBacterialEndocarditis Rate for murmur x xBariatric Surgery (current build requires an additional rating) x x Barlow’s Syndrome x x Barrett’sEsophagus x x Basal Cell Carcinoma x x Bell’sPalsy(Recovered) x

*Mayqualifyforbetterthanstandardratesinsomecases.

Not

Rat

ed*

Rat

ed A

-C

Rat

ed D

-H

Rat

ed J

& A

bov

e

Dec

line

36

*Mayqualifyforbetterthanstandardratesinsomecases.

BenignProstaticHypertrophy Treated, recovered and no complications x Others xBerger’sDisease(IGANephropathy) x x BicuspidAorticValve x x x Bigeminy x x Biliary Colic Recovered x x Biliary Cirrhosis xBlindness Due to injury (after 1 year) x BloodPressure Well-Controlled x Moderate Control x PoorControl x x xBoeck’s Sarcoid Restricted to lungs or skin, and arrested x Others x Bone Marrow Failure (Full recovery, after 1 year) x BrachialPalsy x Bright’s Disease Acute, Recovered x Chronic Good renal function x Poorrenalfunction xBronchiectasis Mild to moderate x x Severe x x xBronchitis (chronic) Mild to moderate x x Severe x x xBuerger’s Disease Smoking not abandoned x Stableatleast2years x x BundleBranchBlocks,EKG Hemiblock x Right Bundle Branch Block x x Left Bundle Branch Block x

Not

Rat

ed*

Rat

ed A

-C

Rat

ed D

-H

Rat

ed J

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Current Cancer Treatment xCancer Consider within first year: Most benign tumors x Basal cell carcinoma x Melanoma insitu, seminoma x x x Postpone,2,3,or4years: Most other malignancies x x Postpone5years: Metastatic Disease xPostpone10years: Leukemia, sarcoma, lymphoma x xCardiac Failure Chronic xCardiacPacemaker(artificial) x x Cardiomyopathy x xCarotid Bruits x Carotid Sinus Syncope Cause unknown x Celiac Disease (Sprue) Recovered x CerebralEmbolism Single episode, no complications and stable 1 year x x x Multiple episodes, or with complications xCerebralPalsy Mild to moderate involvement x More extensive involvement x xCerebral Thrombosis Single episode, no complications, stable 1 year x x Multiple episodes or with complications xCerebrospinal Meningitis Recovered with no residuals x Cerebrovascular Accident (Stroke) Single episode, no complications x x Withinoneyear;multipleepisodes,orwithcomplications xCharcotMarie-ToothDisease xChestPain,Non-Cardiac x Cholangitis, Recovered x Cholecystitis, Recoverd x Chondrocalcinosis x Chorea Huntington’s x Sydenham’s recovered, no complications x ChristmasDisease(FactorIXdeficiency) xChronic Active Hepatitis xChronic Bronchitis x x x x

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ChronicObstructivePulmonaryDisease(COPD) x x x COPDsevere(onoxygenordisabling) xChronicPersistentHepatitisDiagnosisCertain x xCirrhosis (definite diagnosis) xClaudication x x Coarctation of Aorta x x CocaineUsageHistory(Postpone3years) x x Coccidioidomycosis Notoperatedwithminimal,oroperatedwithgoodresult,lungsstable6months x Systemic or disseminated xColitis (Ulcerative) x x ColonPolyps Unoperated x Operated, benign x Complete Heart Block With pacemaker x Without pacemaker xCongestive Heart Failure (Chronic) xConvulsions x x x Grand Mal Seizure within 1 year xCorPulmonale(Chronic) xCostochondritis x Cranial Arteritis x Crohn’s Disease x x x Cushing’s Sydrome 1 yr from treatment, good results x x CyclicalEdema x Cystic Fibrosis xCystitis x x Dementia xDepression Controlled and on medication x x Others xDiabetesInsipidus x Diabetes Mellitus JuvenileOnsetDiabetes x Onset prior to age 31 x Onset31to45 x Onset46+ x x Onset50+(goodcont.,noinsulin,nocomplications) x x Diabetic Nephropathy x Constant Albuminuria xDialysis (Renal Failure) xDiffuse Cerebral Sclerosis xDiplopia Cause unknown, over 1 year from episode x

*Mayqualifyforbetterthanstandardratesinsomecases.

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*Mayqualifyforbetterthanstandardratesinsomecases.**Currentbuildmayrequireanadditionalrating

Diverticulitis, Colon x Diverticulosis, Colon x Down’s Syndrome xDrug Addiction (postpone 3 years) x x x Drug Use (other than marijuana) in the last 3 years x Performanceenhancingdrugs,currentorrecentuse(steroids) xDubin-JohnsonSyndrome x Duodenal Ulcer x x Eclampsia-Recovered x Emphysema x x x xEmpyema-CompleteRecovery x Encephalitis Recovered after 1 year x Others xEndocarditis Rate for murmur x x Endometriosis x Epididymitis-Recovered x Epilepsy x x x ErythemaMultiforme-Recovered x ErythemaNodosum-Recovered x FibrocysticDisease-Breast,benignornon-progressive x Fistula-in-Ano x Focal Glomerulonephritis x x Functional Murmurs x GastricStapling/Bypass** x xGastric intestinal bypass within 1 year xGastritis x x Gastroenteritis x Gastroplasty** x x Gestational Diabetes Currently pregnant x Recovered<2years x Recovered>2years x Gilbert’s Syndrome x Glaucoma x Glomerulonephritis Chronic x x x x x Good renal function x Poorrenalfunction xGoiter-(seeGrave’sDisease) Gout x x Grave’s Disease (Recovered) Mild to moderate increase in pulse x x With cardiac abnormalities x

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Guillain-BarreSyndrome x x Hashimoto’s Disease Mild to moderate increase in pulse x With cardiac abnormalities xHeartAttack-SeeMyocardialInfarction Heart Failure (Chronic) xHemochromatosis x x x xHemodialysis (Renal Failure) xHemophilia Best x Moderate x x Poor xHepatic Failure xHepatitis x x xHereditary Nephritis xHerpes x Hirschsprung’s Disease Unoperated, not severe, no operation contemplated x Operated, recovered x Histoplasmosis Oflungs,skin,superficialstructuresafter6months x x Disseminated, 1 year after treatment and recovery x Huntington’s Chorea xHydrocephalus Infancyandchildhood x Adult x x Hyperlipidemia x x x Hyperparathyroidism x x Hypertension Well-controlled x Moderately controlled x Poorlycontrolled x x xHyperthyroidism Mild to moderate increase in pulse x With cardiac abnormalities xHypertrophic Obstructive Cardiomyopathy (HOCM) Underage40 x Overage40,nosymptoms x xHypogammaglobulinemia (Congenital) x x Hypoglycemia-Functional x Hypoparathyroidism Complete recovery x Other xHypotension (cause unknown) xHypothyroidism x x Hysterectomy (not due tomalignancy) x

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IdiopathicHypertrophicSub-aorticStenosis(IHSS) Underage40 x Overage40,nosymptoms x xIleitis x x IntermittentClaudication x xIntestinalBypass x x Iritis(Causeunknown) x IrritableBowelSyndrome x JuvenileRheumatoidArthritis x x x xKimmelsteil-WilsonDisease xKyphosis x Labyrinthitis (Recovered) x LBBB (Left Bundle Branch Block) x Left Anterior Hemiblock (LAH) x LeftPosteriorHemiblock x x Legionnaire’s Disease (Recovered) x Leukemia xLipoidNephrosisRecoveredandstable2years x Lupus Discoid (Without complications) x LupusErythematosus(Nocomplicationsafter2years) x x Others xLupus Nephritis xMallory-WeissSyndromePresent xManic-DepressiveDisordersStable1year x x x Marfan’s Syndrome Mild, no complications x Marijuana x x x x xMegacolon Unoperated, not severe, no operation contemplated x Operated, recovered x Meniere’s Disease (recovered) x Meningitis (Recovered, no residuals) x Mental Disorder requiring hospitalization or disability in last year xMental Retardation Mild x Moderate x x Severe xMigraine (Cause unknown, at least one year from onset) x MinimalChangeGlomerulonephritis(Recoveredandstable2years) x x x xMitralValveProlapse Uncomplicated x Complicated x x Mononucleosis-Recovered x Morphea-Mild x x Multiple Sclerosis (MS) Single or multiple episodes, stable 1 year x x Disabling or progressive x

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Muscular Dystrophy (MD) Localized x x Others xMyasthenia Gravis Mild,stable6months x Others xMyocardialInfarction(MI) Afterage40,stable,nocomplications,favorablecases x x Others xMyocarditis x Myositis x Narcolepsy x Necrotizing Angitis One year stable remission, no complications x x Others xNephrectomy (benign) x Nephritis Acute, recovered x Chronic: Good renal function x x Chronic:Poorrenalfunction xNeuritis (Cause unknown) x Optic Neuritis (Cause unknown) x x Organic Brain Syndrome xOrthostatic Hypotension (Cause unknown, adequate investigation) x Osteitis Deformans Mild, not progressive x Others xOsteomyelitis x Osteoporosis x x Otitis Media (Recovered) x Otosclerosis x Pacemaker-implanted (within 3 months) x Thereafter x ImplantableCardioverter/Defibrillator xPaget’sDisease(Bone) Mild, not progressive x Others xPalpitations x x Pancreatitis Acute(Recovered>2years) x Chronic xPancytopenia(Fullrecovery,after1year) x Paraplegia Underage60,rarelybetterthanTableH x x x Overage60 x x x

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Parkinson’sDisease Best cases, not progressive x Slowly progressive x Others xPatentDuctusArteriosus Unoperated x Operated, complete recovery x PepticUlcers-SeeUlcers Pericarditis x x Simpleepisode-recovered x PeripheralPolyneuritis(Causeunknown) x PeritonealDialysisForchronicrenalfailure xPeripheralVascularDisease x x x x Smoker xPeyronie’sDisease x Phlebitis x x Pneumoconiosis Mild cases, no present exposure x Others xPoliomyelitis,noresiduals x Mild to moderate residuals x Severe residuals x x xPolyarteritisNodosa 1 year of stable remission, no complications x x Others xPolycysticDisease,Kidney Underage40 x Overage40-renalfunctionnormal x x x Overage40-renalfunctionimpaired xPolycythemia Well-controlled x Others xPolyp,Intestinal(benign) x PortalHypertension xPrematureAtrialContractions(PACs) Few x x Many x xPregnancy(Uncomplicated) x CurrentPregnancywithgestationaldiabetes,toxemia,eclampsia,orpre-eclampsia xPrimaryBiliaryCirrhosis xPrinzmetalAngina x Prostatitis Treated and recovered, no complications x Others xProteinuria Small amount x x Moderate amount x x Large amount x

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Psoriasis x Systemic x PsoriaticArthritis(SeeRheumatoidArthritis) PsychomotorEpilepsy x PulmonaryHypertension xPulmonaryInfarctionWithfullrecovery x Pyelonephritis-1yearaftertreatmentandrecovery x Quadriplegia Terminsurancenotavailable;nopermanentcoverageforatleast2yearsafteronset x Complete x Incomplete x xRaynaud’s Disease x Phenomenon xRBBB (Right Bundle Branch Block) x Uncomplicated x RegionalIleitis(Enteritis) x x Reiter’s Sydrome x Renal Artery Stenosis x Renal Failure xRenal Transplant: Best cases, 3 years from surgery Living donor x Cadaver (donor) x Other condition or more recent xRheumatoid Arthritis NSAIDS x Methotrexate,Prednisone x Gold x Disabled xSarcoidosis Restricted to lungs or skin and arrested x Others xSciatica x Scleroderma Localized, mild, active or inactive x Generalized xSclerosing Cholangitis xScoliosis mild/moderate x severe x x x xSeminoma Over10years x More recent x xSenile Dementia xSick Sinus Syndrome (Cause unknown) x x xSickle Cell Anemia x Trait x

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Sjogren’s Syndrome x x Sleep Apnea Successfully treated x x Others xSpina Bifida With minimal deformity x Others xStressTestPositive x x x xStroke, Best cases x x Suicide Attempts Single attempts after 1 year x x Multiple attempts xSystemicLupusErythematosus(SLE) No complications x x Others xTachycardia x x Tetralogy of Fallot Total surgical correction x x Others xThyroiditis With mild to moderate increase in pulse x With cardiac abnormalities xTransientIschemicAttack x x Transplant (Awaiting or Recipient) xTrisomy xUlcers, Stomach x x Ulcerative Colitis x x Urticaria x Varicies,Esophagus xVasovagalReaction(causeunknown,adequateinvestigation) x xVentricularSeptalDefect(VSD) Small, otherwise normal findings, stable x x With surgery, no residuals x With complications xVentricularTachycardia Lessthan2years x Morethan2years x x xVonWillebrand’sDisease x x Wolff-Parkinson-WhitePattern(WPW) x x

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Automatic Bank Check (ABC) ModeABCpremiumcanbesetuponmonthly,quarterly,semi-annualorannualwithdrawal.TheminimumABCpremiumwithdrawalis$5.00and may be met by one policy or multiple policies.

Unique ABC:Whenthewithdrawalisotherthanmonthly,itisreferredtoas“uniqueABC”andwilldraftontheanniversarydate.

Monthly Withdrawal Date:Whenthewithdrawalismonthly,thepolicyissuedatewilltypicallybetheABCwithdrawaldate.Ifaspecificwithdrawaldateisdesired,thatshouldbeindicatedontheABCauthorizationform(179)oronElectronicApp.Ifnowithdrawal date is specified, the withdrawal date will be the issue date for new accounts or the current withdrawal date on existing accounts.

Record Information Correctly: For paper applications, staple the ABC authorization form to the application so they will not become separatedduringprocessing.ItistheresponsibilityoftheAgenttorecordthenamesofallproposedinsuredsandthecorrectbankaccount number and routing number on the form. For all applications, both paper and electronic, verify with the customer the correct bank account as the Company is subject to charges from banking institutions when inaccurate information is submitted to them.

Bank Account Holders:Iftheaccountholdersarenamedonthebankaccountas“or”(JohnorMaryDoe,JohnDoeorMaryDoe),eitheraccountholdermaysignthepaperorelectronicformtoauthorizethewithdrawal.Ifthebankaccountislistedas“and”(JohnandMaryDoe,JohnDoeandMaryDoe),bothaccountholdersmustsigntheform.Ifbothnamesarelistedwithoutan“or”or“and”,either accountholder may sign the form.

Policy IllustrationsLife insurance illustrations were developed to provide information to consumers which will allow them to make an informed decision regarding the purchase of certain life insurance products. Life insurance illustrations are available on many life insurance plans offered by American General Life. Many states have adopted life insurance illustration guidelines and requirements applicable to life insurance planswithfaceamountsof$10,000ormorethathavenonguaranteedvalues,i.e.adjustableinterestorcostofinsurancerates.(NAICLifeInsuranceIllustrationModelRegulationorstatespecificversions.)Instateswheresuchillustrationregulationshavebeenadopted,illustrations will either be provided at time of application or be provided at the time of issue. For American General Life this covers all universal life and excess interest whole life products.

The illustrations are very complete and describe coverage and premium information, policy information, summary of values among other information. Also included are spaces for the Applicant and Agent to sign the illustration. These are required signatures.

Submissionrequirementsvarybystate.Youshouldbeknowledgeableabouttherequirementsinthestateinwhichyouarelicensedtowriteapplications.Specificdetails,bystate,areprovidedinProductAnnouncements.Manystatesrequirethattheillustrationsusedaspartofthesalesprocessforcertainpolicieswithnon-guaranteedelementsbeincludedwiththeapplicationwhensubmittedtotheNashvilleOffice.Ifanillustrationorquotationwasnotusedthenastatement(8122forULsor8124forGUL)acknowledgingsamemust be submitted with the application.

Ifanillustrationwasnotusedatthetimeofsale,AmericanGeneralLifewillmailtothepolicyowner2setsofillustrationsthatmatchtheissuedpolicy.Enclosedwillbeastampedreturnenvelopeandinstructionsforthepolicyownertosigntheillustrationandreturn1set of the illustration back to the Nashville Office New Business for inclusion in the file.

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When using illustrations in the sale of a life insurance policy:

AGENTS CANNOT• Representthepolicyasanythingotherthanalifeinsurancepolicy.• Useordescribenonguaranteedelementsinamannerthatismisleadingorhasthecapacityortendencytomislead.• Stateorimplythatthepaymentoramountofnonguaranteedelementsisguaranteed.• Useanillustrationthatdoesnotcomplywiththerequirementsoftheregulation.• ProvideanApplicantwithanincompleteillustration.• Representinanywaythatpremiumpaymentswillnotberequiredforeachyearofthepolicyinordertomaintaintheillustrated

death benefits, unless that is the fact based on Guaranteed amounts.• Usetheterm“vanish”or“vanishingpremium,”orasimilartermthatimpliesthepolicybecomespaidup,todescribeaplanfor

using nonguaranteed elements to pay a portion of future premiums.

ReplacementsA replacement occurs whenever an application for a new policy is taken with the intent to replace an existing policy.

A replacement of one policy with another policy from the same company is called an internal replacement. A replacement of one policywithanotherpolicyfromadifferentcompanyiscalledanexternalreplacement.ItisimportantthatpurchasersofAmericanGeneral Life policies receive information with which a decision can be made in his or her best interest. When that purchase involves the possible lapse, surrender or loan against an existing policy (whether that policy is an American General Life policy or another company’s policy), a replacement occurs and state regulations must be followed to ensure that the purchaser has adequate information to make a replacement decision.

Replacement forms should be attached to paper applications upon original submission. Otherwise, they may be faxed as below:

Replacementformsshouldbeattachedtopaperapplicationsuponoriginalsubmission.Otherwise,theymaybefaxedto615-749-2804or615-749-2238.

Policy DeliveryThe policy should be promptly delivered to the Owner (Applicant or other, if designated as Owner). The policy must be delivered to the applicantandthefullfirstpremiumreported(aswellasanyrequiredA3amendments)within45daysofNashvilleOfficeissue.After45days the policy will automatically become Not Taken and any cash with application will be returned to the applicant.

Thepolicyprovisionsandanychangestotheapplicationshouldbereviewedatthetimeofpolicydelivery.IftheProposedInsureddoes not appear to be in sound health or if there has been any change in health since the date of the application, the policy should be returned to the Manager with an explanation. The Manager should contact Nashville Office Underwriting to determine what action should be taken.

Itissometimesnecessarytoissuepoliciesotherthanasappliedfor.Changes(amendments)madetotheapplicationmayrequirecompletionofanamendmentform.InsomestatesotherformssuchasPolicyIllustrationsorarbitrationnoticesmayrequirecompletionatthetimeofpolicydelivery.Insuchinstances,whensignaturesonrequiredformsarenecessary,itistheresponsibilityofthe Agent to obtain the properly completed forms and forward them to New Business to be attached to the file.

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Worksite• Section125available.• SimplifiedSelectisavailablefor2or3unitsofbasecoverageandupto4unitswiththehospitalcashrider• Spousecoverage:• Nospousesignatureneededonapplication.(Unlessastep-childisbeingcovered.)• NospouseHIPPAformneeded.(Unlessastep-childisbeingcovered.)

Underwriting DetailsWorksite (PD)

FaceAmount Ages18-60 Ages61-64$10,000–50,000 Non-Medical Non-Medical(Maxfaceamountis$25,000.)

Worksite MarketingMinimum Case RequirementsTraditional Worksite• Companymusthavefive(5)ormoreeligibleemployees• NFIBcompaniesmusthavefive(5)ormoreeligibleemployees• Mustsubmitapplicationsonatleast2non-relatedemployees• Monthlypremiummusttotalatleast$50• Employeemustbeactivelyatworkonthedayofenrollmentandworkingatleast30hoursperweek

Employer Sponsored ABCW Arrangement • TheEffectiveDateofCoveragedeterminestheDateoftheInitialDraftfromtheemployee’sbankaccount.• Initialdraftsmayoccuranydatefromthe1sttothe28th. • Eachemployee’seffectivedatedoesnotneedtobethesame.• EffectiveDateonApplicationmustmatchtheInitialDraftDateonthe179ABCAuthorization.

New Business SubmissionTraditional Worksite Cases• TheWorksiteNewCaseChecklist(8564)mustbecompletedandsignedbytheappropriatemanagersandaccompanythe

VoluntaryBenefitsTransmittalForm(8524)andEmployer’sAcceptanceForm(8535-F1)whensubmittingnewcasestotheNashville Office.

• CompletedWorksiteNewCaseChecklist,VoluntaryBenefitTransmittal,Employer’sAcceptanceformandPayrollDeductionApplications should be submitted to the Nashville Office in the whiteWorksiteNewBusinessenvelope32F11,whichis pre-addressedto558N.Theenvelopeshouldbeusedforbothinitialcaseenrollmentsaswellasadd-onbusiness.

• Completed/signedPayrollDeductionAuthorizationforms8531should be delivered to the client company’s payroll clerk in the neon-coloredenvelope8570immediatelyafterenrollmentsarecompletedinordertoallowonefullmonth’spremiumtobededucted prior to the receipt of the bill. The neon envelope and forms should not be sent to the Nashville Office.

Employer Sponsored ABCW Arrangement Cases • CompletedEmployerSponsoredVoluntaryBenefitsProgramAuthorizationForm(8535-ABC),WorksitePayrollDeduction

Application(AGLA1000-WS,orStateVariation)withasignedABCAuthorization(179)foreachapplicationshouldbesubmittedtothe Nashville Office in the whiteWorksiteNewBusinessenvelope32F11,whichispre-addressedto558N.Theenvelopeshouldbeusedforbothinitialcaseenrollmentsaswellasadd-onbusiness.

• Employeesshouldbenotifiedofthedatetheirinitialbankdraftwilloccurandremindedthattheircoveragewillbeginonthatdate.

Case Dating – Assigning Effective DatesTraditional Worksite Cases• Allowsrequestedeffectivedateofcoveragetobeindicatedontheworksiteapplication• Applicationsdatedfromthe1stthroughthe15thofthemonth;therequestedeffectivedateshouldbethe1st day of the following

month.Applicationsdatedfromthe16th through the 31stofthemonth;therequestedeffectivedateshouldbethe15th of the following month.

• Requestedeffectivedatecannotbemorethan2monthsaftertheapplicationdate.• AllworksitenewbusinessapplicationsmustbereceivedintheNashvilleOfficeatleast10dayspriortotherequestedeffective

date.• RequestedeffectivedateshouldbewritteninthereferencedboxatthetopoftheAGLA1000-WSapplication.

QoL Index Plus has special dating requirements:• RefertoQoLIndexPlusAgent’sGuide.

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Employer Sponsored ABCW Arrangement Cases• TheEffectiveDateofCoveragedeterminestheDateoftheInitialDraftfromtheemployee’sbankaccount.• Initialdraftsmustoccuronthe1storthe15th day of the month.• Eachemployee’seffectivedatedoesnotneedtobethesame.• EffectiveDateonApplicationmustmatchtheInitialDraftDateonthe179ABCAuthorization.

Arrears Billing For Traditional Worksite Cases• Allnewtraditionalworksitepolicieswillbebilledonthe20th of the month in which they become effective.• Policiesin-forcepriorto5-2-05continuetobebilledonthe20th of the month using the advance billing procedure.• Pendingpoliciesappearonthebillgeneratedinthemonthforwhichthependingpoliciesbecomeeffective.• Inallcases,alldeductionsshouldbeginsoonenoughtoallowforwithholdingonefullmonth’spremiumpriortotheendofthe

month in which policies become effective.Worksite Multi-Product ApplicationAgentsshouldusetheAGLA1000-WS(orstatevariation)forallWorksitebusiness.Astateapprovalgridwiththeappropriateformnumber by state can be viewed on Connection.

Case Identification-Theblueoutlinedboxatthetopoftheapprequirescompletiontoindicatewhethertheappisfromanewcaseoranexistinggroup.Iftheapplicationisforanemployeeofanexistingworksiteaccount,theAgentmustprovidethePayrollDeductionExistingAcct.NumberinthespaceprovidedonPage6oftheAGLA1000-WS.

Product Selection-Allproducts,optionsandridersareseparatedbycoveragetype.Themonthlypremiumforeachproductappliedfor should be shown in the final column of each applicable section. The sum of all monthly premiums should be shown on the third pageoftheappanddividedbytheappropriatefactorshown,basedonthedeductionfrequencyoftheEmployertodeterminethepremium to be deducted from each paycheck.

Underwriting Information-Thehealthandbackgroundquestionsarenumberedandseparatedbycoveragetypeandunderwritingclassification.

• Allquestionsforaspecificcoveragemustbeansweredfornormalunderwriting.• Thefirstsixquestionsmustbeansweredfor all coverages and all underwriting classifications. • Noadditionalquestionsarerequiredfor(SSI)

No Conditional Receipt -TheAGLA1000-WSapplicationprovidesnotemporaryinsuranceandcontainsnoConditionalReceipt.TheperforatedsectionatthebottomofthefinalpagecontainstheNoticeofInformationPracticesandMIBPre-Noticeandmustberemoved and provided to the applicant.

Underwriting Classes for Worksite Business • Currentunderwritingclassificationsare:NormalUnderwriting,SimplifiedIssue(SI)andSimplifiedSelectIssue(SSI).

• Normal Underwriting-applicationsshouldbefullycompletedforproductsbeingappliedforandallnormalageandamountrequirements must be met.

• Simplified Issue (SI)-applicationsaresimplifiedissuedonqualifiedcasesbymeetingparticipationrequirementswithinthe30-dayenrollmentperiod.Applicationscanbesubmittednon-medically.Anymedicalorinspectionreportsrequiredwillbeorderedfrom the Nashville Office. More liberal underwriting will apply.

• Simplified Select Issue (SSI)-applicationsaresimplifiedselectissuedonqualifiedcasesbymeetingparticipationrequirementswithinthe30-dayenrollmentperiod.Applicant’seligibilityforsimplifiedselectissuewillbebasedonsatisfactoryresponsestothreemedicalquestionsontheMulti-ProductApplication(AGLA1000-WS,orstatevariation).

• AGWorksiteTermmayqualifyfor(SI)or(SSI).Eachproductmustsatisfytheparticipationrequirementsbasedonthenumberofemployees purchasing that specific product.

• TheWorksiteMulti-ProductapplicationAGLA1000-WS,orstatevariation,supports(SSI)throughtheinclusionof3health-relatedbackground questions requiring satisfactory responses.

• Spousalcoverageamountsfor(SI)and(SSI)maynotexceedthelesserofthecoverageamountonPrimaryProposedInsuredor$20,000.Theageofthespousemustbewithin15yearsofthePrimaryProposedInsured’sage.

Minimum Participation Requirements for Special Underwriting Classifications

Number of FullTimeEligibleEmployees

Minimum Participation Required for AG Worksite Term Normal Simplified Simplified MaximumAmountofLifeInsurance Underwriting Issue SelectIssue AvailableonSIandSSI

2-10 All N/A N/A N/A 11-25 <25% 25%-49% 50%up $25,000 26–50 <20% 20%-39% 40%up $50,000 51&up <10% 10%-34% 35%up $50,000**

**overage65is$25,000

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AG Worksite TermDue to the unique and differentiated nature of the AG Worksite Term product, the normal underwriting requirements are different than those of other life products. AG Worksite Term is underwritten on a Tobacco Distinct basis with premiums identical for males and females. Substandard ratings through table H are also available.

The primary proposed insured for AG Worksite Term must be a full time, actively employed, employee of the business entity working a minimumof30hoursperweek.

Normal Underwriting-AGWorksiteTermhasthefollowingdistinctunderwritingrequirements:

AGES AMOUNTS REQUIREMENT

18-50 $10,000-90,000 Non-Medical

51-60 $10,000-50,000 Non-Medical

$50,001-90,000 ParaMed,BP,Urine

61-70 $10,000-25,000 Non-Medical

$25,001-49,999 ParaMed,Urine

$50,000-90,000 ParaMed,BP,Urine

Premium Waiver-Mustbeelectedattheemployerleveltobeavailable.Ifelected,PWmustbeappliedforoneachapplicationinthegroup(subjecttotheagerestrictions).Ifnotelected,PWisnottobeappliedforonanyapplicationinthegroup.

PremiumWaiverandAccidentalDeathbenefitsaddedtoanAGWorksiteTermapplicationarealways subject to underwriting and donotqualifyfor(SI)or(SSI)treatment.

Classification of BusinessesThecurrentIneligible/RestrictedBusinessListcanbeviewedandprintedfromConnection.

Most Frequently Used Worksite Forms• AGLA1000-WS(orstatevariation)-Multi-ProductApplication• 8564-WorksiteNewCaseChecklist• 8524-VoluntaryBenefitTransmittalform• 8535-F1-Employer’sAcceptanceform• 8531-AuthorizationforDeductionofPremium• 8535F2-EmployeeUnderstandingofPayrollDeductionforIRA• 8523-ConfidentialQuestionnaire(Only Available on Connection) • 8522G-EmployerPresentationGuide• 8522K-EmployeeEnrollmentKit• 8537-Pre-ApproachMailer• 7492-FreedomWorksiteTermSM Rate Card• 8153-22WS-WorksitePrestigebrochure• 8560-Worksite“We’llBeHereSoon”poster• 8561-Worksite“We’reHereToday”poster• 8562-WorksiteBenefitsposter• 8538-ABCW-WorksiteABCWEmployerPresentationBrochure• 8535-ABCW-EmployerSponsoredVoluntaryBenefitsProgramAuthorization• 8536-ABCW-EmployerSponsoredVoluntaryBenefitsProgramWaiverofParticipation• 179-ABCAuthorization• 32F11-WorksiteApplicationEnvelope• 8570-PayrollDeductionAuthorizationFormsEnvelope

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Life Claims GuidelinesGENERAL LIFE AND ACCELERATED BENEFIT CLAIMS PRACTICES TO REMEMBER Anyone inquiring whether a claim benefit is payable should be given the opportunity to submit a claim on the appropriate form.* NoclaimmaybedeclinedintheLocalAmericanGeneralOfficebyanyLocalAmericanGeneralOfficepersonnel.* Informationshouldbereceivedpolitelyandwithoutcommentastoitsvalidityeveniftheclaimwaspreviouslydeniedorthepolicy

lapsed.* Nocommentorsuggestionshouldbemadetoaclaimantthataclaimwillorwillnotbepaid.Thatcommunicationmustcomefrom

LifeClaims.NoQuotesshouldbegiventoclaimantfromC02Screen.* Usethefollowingforms/guidelinestohelpavoiddelaysinclaimprocessing

TYPE FORMS DOCUMENTS INSTRUCTIONSA. DeathClaim AGLA180A 1. ProofofDeath: Notice of Death AGLC100607 • Certifiedcopyofdeathcertificate TheLifeClaimsdepartmentshould (Required if Contestable, be immediately notified of a death Accidental death and or total by one of the following methods: claimis$50,000ormore. • ElectronicApp–NoticeofClaim Must be mailedtoNashvilleOffice) • LocalOffice–NoticeofClaim • Photocopyofdeathcertificate submittedbyLC11screen. iftotalclaimislessthan$50,000: • Telephone–1-800-888-2452 Fax copy of death certificate Any documents received should be • AGLC3607-5(ShortForm submittedtotheNashvilleOfficeas ProofofDeath)Completedby soonastheyarereceivedevenif coroner, funeral director or all documents have not been attending physician if total claim received. is$15,000orless Submitting a Death Claim • Publishedobituarynotice,Funeral • FaxtheClaimant’sStatement, HomeNotice(program),Funeral ProofofDeath,assignmentsand Home statement from Funeral any other documents that are not Directoriftotalclaimsis$5,000 requiredtobemailed.Include or less policy numbers and or claim 2. Claimant’sStatement(AGLA180A) numberinthefax. 3. Assignment,ifassigned 615-749-1329–(Preprintedfax 4. Medical Authorization if claim is cover sheet, mark Life Claims contestable or claimant is claiming Documents) accidentaldeath.(AGLC100607) 615-749-2254–(Ifpreprintedfax cover sheet is not available). Iftheclaimis$50,000ormore, contestable, accidental death, or out of Country death, original documentsmustbemailedto380S.B.Accelerated AGLC108575 1. AcceleratedBenefitRiderClaim • HaveownercompletePartAofan Benefit AGLC100607 form(AGLC108575) AcceleratedBenefitClaimformand Claim 2. MedicalAuthorizationform havePhysiciancompletePartB. (AGLC100607) • Havetheownercompletea HIPAAAuthorization • HaveinsuredcompletePartCof an Accelerated Benefit Claim form. • FaxtoLifeClaims615-749-1329, using the preprinted Fax Cover pageandmark“LifeBenefit RiderDocs”ormailtoLifeClaims (mailcode380S). NOTE: The above claims can’t be entered through the Local Office systemorElectronicAppatthistime.

52

Accelerated Benefit Rider Claim Filing Guideline

To begin the claim process under an accelerated benefit rider, the owner must provide the following items:(a) acompletedclaimform;(b) proof satisfactory to Us including, but not limited to, a written definitive diagnosis, as applicable, and/or certification,

asapplicable,ofanInsuredPerson’squalifyingillnesssignedbyaPhysicianoraLicensedHealthCarePractitioner,asapplicable,underthetermsoftherelevantacceleratedbenefitrider;and

(c) thewrittenconsent,onaformprovidedbyUs,ofanyirrevocableBeneficiary,assigneeorotherrequiredpartytoYourelection of an Accelerated Benefit under this rider.

IfwedeterminethattheconditionsforpaymentofanAcceleratedBenefithavebeenmet,WewillnotifytheOwneroftheAcceleratedBenefit Amount and will send the Owner an election form for Accelerated Benefits. To elect an Accelerated Benefit, the Owner must completetheelectionformandreturnittoUswithin60daysofreceipt.

IfaPolicyOwnerelectstoreceiveanacceleratedbenefit,theCompanywillnotprovidealateropportunitytoelectsuchabenefitastothesamequalifyingcriticalillnessorchronicillnessunderanAcceleratedBenefitRider(QoLSelectChoiceABR),CriticalIllnessAcceleratedBenefitRider,ChronicIllnessAcceleratedBenefitRider,orTerminalIllnessAcceleratedBenefitRider(butnottheChronicIllnessAcceleratedDeathBenefitRiderissuedinCalifornia).Also,undercertaincircumstanceswhereaninsured’smortality(i.e.,theCompany’s 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.

The election of an Accelerated Benefit under this rider will automatically be voided, and the Accelerated Benefit Amount will not be payable,iftheInsuredPersondiesaftertheaboverequirementsaremetandbeforeWepaytheAcceleratedBenefitAmount.Forpurposes of this provision, such payment shall be deemed to have occurred if We have placed a check containing Benefits in the U.S. mail, placed a check containing Benefits in the hands of a recognized overnight delivery service for delivery or established a retained asset account at the Owner’s direction.

Important Consumer Disclosures Regarding Accelerated Benefit Riders

Disclosures Applicable to Accelerated Benefit Rider, Critical Illness Accelerated Benefit Rider, Chronic Illness Accelerated Benefit Rider, Chronic Illness Accelerated Death Benefit Rider (California), and Terminal Illness Accelerated Benefit Rider

(1) WhenfilingaclaimforCriticalIllnessundertheCriticalIllnessAcceleratedBenefitRider,TerminalIllnessunderaTerminalIllnessAcceleratedBenefitRider,ChronicIllnessundertheChronicIllnessAcceleratedBenefitRider,orChronicIllnessundertheChronicIllnessAcceleratedDeathBenefitRider(California),theclaimant,exceptasotherwiseprovidedintheapplicablerider,must provide to the Company a completed claim form which must be received at its Administrative Center within the time frame specified in the rider, if any.

(2) Undercertaincircumstanceswhereaninsured’smortality(i.e.,ourexpectationoftheinsured’slifeexpectancy)isnotsignificantlychangedbyaCriticalIllnessorChronicIllness,theacceleratedbenefitmaybezero.

(3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forthforeachinaPolicy,ifany,mayprecludepaymentofabenefit.

(4) Benefitspayableunderanacceleratedbenefitridermaybetaxable.NeitherAmericanGeneralLifeInsuranceCompanynoranyagentrepresentingitisauthorizedtogivelegalortaxadvice.Pleaseconsultaqualifiedlegalortaxadvisorregardingquestionsconcerning the information and concepts contained in this material.

(5) Generally,wewillsendyouanIRSForm1099-LTCifyoureceiveanaccelerateddeathbenefitonaccountofaChronicIllnessoraTerminalIllness.WewillsendyouanIRSForm1099-RifyoureceiveanaccelerateddeathbenefitonaccountofaCriticalIllness.

ThesumthatwillbeincludedinBox2(Accelerateddeathbenefitspaid)ofIRSForm1099-LTCorinBox1(Grossdistribution)ofIRSForm1099-Rwillbetheactualsumyoureceivedbycheckorotherwiseminusanyrefundofpremiumand/orloaninterestincluded with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance.

(6) ThemaximumamountoflifeinsurancedeathbenefitsthatmaybeacceleratedastoanInsuredPersonunderallacceleratedbenefitridersisthelesseroftheexistingamountofsuchdeathbenefitsoralifetimemaximumof$1,500,000.

(7) See your policy for details.

53

Disclosures Applicable to the Critical Illness Accelerated Benefit Rider, the Chronic Illness Accelerated Benefit Rider, and the Terminal Illness Accelerated Benefit Rider Only

(1) IfabenefitundertheCriticalIllnessAcceleratedBenefitRider,ChronicIllnessAcceleratedBenefitRider,orTerminalIllnessAccelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Owner must complete an election form and returnittotheCompanywithin60daysofreceiptoftheelectionform.TheCompanywillnotprovidealateropportunitytoelectanAcceleratedBenefitunderaPolicyastothesameCriticalIllnessorChronicIllnessundersuchriders.

Disclosures Applicable to the Accelerated Benefit Rider Only

(1) IfabenefitundertheAcceleratedBenefitRiderispayableandtheOwnerelectstoreceivesuchbenefit,theCompanywillprovidethe Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, underthePolicyastosuchQualifyingEvent.Tomakesuchanelection,theOwnermustcompleteanelectionformandreturnittoAGLwithin60daysofreceiptoftheelectionform.TheCompanywillnotprovidealateropportunitytoelectaFlexibleAcceleratedBenefitand/oraDefinedAcceleratedBenefit,ifapplicable,underaPolicyastothesameQualifyingCriticalIllnessorQualifyingChronicIllness.

Disclosures Applicable to the Chronic Illness Accelerated Death Benefit Rider (California) Only

(1) ForaclaimanttobeabletoelectanAcceleratedBenefitundertheChronicIllnessAcceleratedDeathBenefitRider(California),suchclaimantmusthavebeencertifiedasChronicallyIllwithinthepasttwelve(12)monthsbyaLicensedHealthCarePractitioner.WhereanAcceleratedBenefitundersuchariderispaidperiodically,suchwrittencertificationmustberenewedbyaLicensedHealthCarePractitionerevery12months.

54

PO

LIC

Y T

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ET

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LAIM

FO

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PTA

BLE

DO

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NT

SIN

FOR

MA

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EQ

UIR

ED

TO

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OC

ES

SO

TH

ER

RE

QU

IRE

ME

NT

S /

MIS

C

ACCIDENT

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

UB04,Form1500,any

prin

ted

bill

from

pro

vid

er.

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

escr

iptio

n of

the

ser

vice

and

the

cha

rges

.

Mus

t ha

ve t

he in

jure

d p

erso

n’s

sign

ed s

tate

men

tof

the

dat

e an

d d

etai

ls o

f the

acc

iden

t.

AGEMERGENCY

CARE

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

UB04,Form1500,any

prin

ted

bill

from

pro

vid

er.

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

escr

iptio

n of

the

ser

vice

and

the

cha

rges

.

Mus

t ha

ve t

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jure

d p

erso

n’s

sign

ed s

tate

men

tof

the

dat

e an

d d

etai

ls o

f the

acc

iden

t.

CANCER

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

UB04,Form1500,any

prin

ted

bill

from

pro

vid

er.

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

escr

iptio

n of

the

ser

vice

and

the

cha

rges

.

Pathologyreportisneededforthefirstdiagnosis

ofcancer.Itemizedbillsshouldshowcancer

diagnosis.CONTINUINGCLAIMSSHOULD

SHOWDIAGNOSISOFCANCER.

CRITICALILLNESS

POLICY

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

Completed185

andAGLC2118D

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

escr

iptio

n of

the

ser

vice

and

the

cha

rges

.

Medicalrecordsarerequired.IncludeHIPAA

AGLC2118Dwithclaimtoexpeditehandling.

CANCER/ACCIDENT

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

Form1500oraprinted

bill

from

the

pro

vid

er.

PathologyReport

Mus

t ha

ve s

pec

ific

det

ails

reg

ard

ing

typ

e of

canc

er a

nd t

he s

urgi

cal p

roce

dur

e d

one.

AGDISABILITYCARE

182(REQUIRED)

(POLICYNUMBERS

REQUIRED).MAILALL

DOCUMENTSTO:

DISABILITYINSURANCE

SPECIALIST,LLC,CLAIMS

SERVICECENTER.

P.O.BOX29,

BLOOMFIELD,CT06002,

PHONE800-959-9379EXT.

3040.FAX860-761-1830

Completed182

FORM182FULLYCOMPLETEDAND

HIPAAAGLC100607

182mustbecompletedinfullbythe

insu

red

and

the

att

end

ing

phy

sici

an.

DISABILITYINCOME

182(REQUIRED)

(POLICYNUMBERS

REQUIRED)

Completed182

Dia

gnos

is, d

ates

of t

otal

dis

abili

ty.

182mustbecompletedinfullbythe

insu

red

and

the

att

end

ing

phy

sici

an.

HE

ALT

H C

LAIM

S F

OR

MS

AN

D R

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TS

GU

IDE

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RA

L H

EA

LTH

CLA

IMS

PR

AC

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ES

TO

RE

ME

MB

ER

A

nyon

e in

qui

ring

whe

ther

a c

laim

ben

efit

is p

ayab

le s

houl

d b

e gi

ven

the

opp

ortu

nity

to

sub

mit

a cl

aim

on

the

app

rop

riate

form

. *NoclaimmaybedeclinedintheLocalAmericanGeneralOfficebyanyLocalAmericanGeneralOfficepersonnel.

*Informationshouldbereceivedpolitelyandwithoutcommentastoitsvalidityeveniftheclaimwaspreviouslydeniedorthepolicylapsed.

*Nocommentorsuggestionshouldbemadetoaclaimantthataclaimwillorwillnotbepaid.ThatcommunicationmustcomefromHealthClaims.

*Usethefollowingforms/guidelinestohelpavoiddelaysinclaimprocessing.

55

PO

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ME

NT

S /

MIS

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DISABILITYINCOME

RIDER

182(REQUIRED)

(POLICYNUMBERS

REQUIRED)

Completed182

Dia

gnos

is, d

ates

of t

otal

dis

abili

ty.

182mustbecompletedinfullbythe

insu

red

and

the

att

end

ing

phy

sici

an.

HOSPITAL

SURGICAL

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

UB04,Form1500,any

prin

ted

bill

from

pro

vid

er

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

escr

iptio

n of

the

ser

vice

and

the

cha

rges

.

TLT

UB04SHOWINGPROOF

OFHOSPITALIZATION

UB04isrequired

Proofofinpatientanddiagnosis(UB04).

Not

Ass

igna

ble

SURGICALONLY

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

Form1500,oraprintedbill

from

the

Sur

geon

Sur

geon

’s n

ame,

ad

dre

ss a

nd t

elep

hone

num

ber

, dia

gnos

is, d

ate

and

sur

gica

ld

escr

iptio

n or

pro

ced

ure

cod

e.MusthavetheCPTsurgicalcode

ANESTHESIA

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

Form1500,oraprintedbill

from

the

Ane

sthe

siol

ogis

t

Ane

sthe

siol

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t na

me,

ad

dre

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d t

elep

hone

num

ber

, dia

gnos

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and

ser

vice

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e.

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sthe

sia

ben

efits

are

det

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ined

by

the

surg

ery

ben

efit

amou

nt p

aid

and

sho

uld

be

sub

mitt

ed w

ith t

he s

urge

ry c

laim

if p

ossi

ble

to

exp

edite

han

dlin

g.

HOSPITAL

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

UB04,Form1500orother

prin

ted

bill

from

pro

vid

er

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

escr

iptio

n of

the

ser

vice

and

cha

rges

.

MAJORMEDICAL

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

UB04,Form1500orother

prin

ted

bill

from

pro

vid

er

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

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, dat

e an

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n of

the

ser

vice

and

cha

rges

.

Dia

gnos

is is

req

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d fo

r al

l cha

rges

, inc

lud

ing

pre

scrip

tion

dru

gs

MEDICARE

SUPPLEMENT

(CO22)

MEDICAREEXPLANATION

OFBENEFITS(EOB)ONLY,

INCLUDINGPOLICY

NUMBER

MedicareExplanationof

Benefits(EOB).

PLUSCARE

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

UB04,andorForm1500,

any

prin

ted

bill

from

pro

vid

er

MedicalProvider’sname,addressand

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e an

dd

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n of

the

ser

vice

and

the

cha

rges

.

Dia

gnos

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l cha

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ing

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dru

gs

SPECIFICLOSS

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

183

Typ

e of

loss

, dat

e of

loss

, dat

e of

ons

etof

illn

ess/

dat

e of

acc

iden

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183mustbecompletedinfullbythe

insu

red

and

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end

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ultip

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ers

may

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form

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56

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WAIVEROF

PREMIUM

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

182and

HIPAAAGLC100607

Dat

e d

isab

ility

beg

an, l

ast

day

wor

ked

, dia

gnos

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182mustbecompletedinfullbythe

insu

red

and

the

att

end

ing

phy

sici

an. M

ultip

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ers

may

be

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RENEWAL/WP

SYSTEMGENERATED

182and

HIPAAAGLC100607

Ren

ewal

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the

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end

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Soc

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not

acc

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A fo

rm is

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aive

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nly

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nee

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to b

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to b

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nsid

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wal

shou

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mp

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enew

al F

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WEEKLY

DISABILITY

181(REQUIRED)

POLICYNUMBERSARE

ALWAYSREQUIRED

7D

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f tot

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7 m

ust

be

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and

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ned

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the

atte

ndin

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hysi

cian

SCREENINGTEST-

ExpensePolicies

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

Form1500orotherproof

that

sho

ws

the

scre

enin

gty

pe

or c

ode

and

the

char

ge fo

r th

e te

st.

MedicalProvider’sname,address,

tele

pho

ne n

umb

er, d

iagn

osis

, dat

e,d

escr

iptio

n of

the

ser

vice

and

cha

rges

.

SCREENINGTYPE/CODE,DATEAND

CHARGESARENECESSARY.

SCREENINGTEST-

IndemnityPolicies

181(OPTIONAL)

POLICYNUMBERSARE

REQUIREDONALL

DOCUMENTS.

Form1500orotherproof

that

sho

ws

the

scre

enin

gty

pe

or c

ode.

MedicalProvider’sname,address,

tele

pho

ne n

umb

er, d

ate

and

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crip

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of t

he s

ervi

ce.

SCREENINGTYPE/CODE,ANDDATE

OFTESTARENECESSARY.

HE

ALT

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LAIM

S F

OR

MS

AN

D R

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EM

EN

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GU

IDE

HIPAAAGLC2118DFORHEALTHCLAIMSIFRECEIVEDWITHTHECLAIMCANEXPEDITEHANDLINGIFADDITIONALINFORMATIONISNEEDED.

HIPAAAGLC100607FORDISABILITYIFRECEIVEDWITHCLAIMCANEXPEDITEHANDLINGIFADDITIONALINFORMATIONISNEEDED.

SCREENINGTESTCLAIMSCLAIMSCANBEEXPEDITEDIFTHETESTCODEANDTHECHARGESFORTHETESTITSELFAREINCLUDED.

DOCUMENTSWITHOUTPOLICYNUMBERSWILLBERETURNEDTOTHECLAIMANTASUNIDENTIFIABLE.

CLAIMFORMSANDHIPAAFORMSAREAVAILABLEONTHEWEBATWWW.AIG.COM/LIFEINSURANCE.LOOKUNDER‘HOWTOFILEACLAIM’

MAILINGADDRESS:AMERICANGENERALLIFEINSURANCECOMPANY

POBOX1500

NASHVILLETN37202-1500

CLAIMSMAYBEFAXEDTO615-749-2932(BESURETOINCLUDEPOLICYNUMBERONALLFORMS.)

CLAIMANDPOLICYINFORMATIONABOUTAHEALTHCLAIMMAYBEOBTAINEDBYCALLINGTOLLFREE800-888-1038.

Revised6/15