Issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (USL), either policy provides guaranteed death benefit protection and an opportunity to realize growth in cash value accumulation based in part on the performance of three global indices—the S&P 500^®1, the Dow Jones EURO STOXX 50^® Index² (Western Europe), and the Hang Seng Index³ (Hong Kong). Instead of using a single index as the basis for its interest crediting formula, Elite Global Plus and Elite Global Survivor use these three indices and weight the two best-performing when calculating index interest to be credited.

For additional security, you also have the option to allocate all or a portion of each premium to a declared interest account, which will be credited with an interest rate to be established by AGL and USL. This rate may be subject to change periodically, but will never be less than 3.00 percent.

• Solid death benefit protection
• Three death benefit options (level, increasing and return of premium)
• Guaranteed death benefit coverage, through the Monthly Guarantee Premium features, for the earlier of 30 years or age 90 provided at no charge as long as required premiums are paid
• Lifetime Death Benefit Guarantee Rider available with Elite Global Plus
• Tracking multiple global indices in index interest accounts provides diversification:
  • S&P 500
  • Dow Jones EURO STOXX 50
  • Hang Seng Index
• Index interest based on the best performing two out of three indices where an overweighting formula may produce higher crediting rates than either an equal weighting or a single index approach
• Index interest credited based on either five-year period point-to-point (available with AGL versions only) or one-year monthly average formula
• Flexible allocation choices—declared interest and/or index interest options
• The Alternate Value Provisions contained in the policy provide a minimum lifetime guaranteed interest rate of 3.00 percent, regardless of the performance of the external indices. This Alternate Value interest rate is applied to the policy values remaining after policy charges, loans, and withdrawals are deducted from premiums paid.
• Overloan Protection Rider ensures the policy won’t lapse because of large outstanding loan balance
• Choice of single life or last survivor policy creates options for optimal funding strategies
• Ability to allocate premiums and policy values to multiple interest crediting options allows efficient repositioning of existing assets
• Policy’s high early cash values allow for business applications or use for collateral purposes
• Issue Ages - Elite Global Plus: 18-80; Elite Global Survivor: 18-80
• Minimum Death Benefit - $100,000

• Terminal Illness Rider provides the option for an accelerated death benefit (living benefit) when the insured is diagnosed with a terminal illness (12 months or less to live). This rider is available only with the AGL version.
• Waiver of Monthly Deductions Rider waives monthly deductions as they are due while the insured is totally disabled.
• Overloan Protection Rider guarantees that the base policy will not lapse due to a large outstanding loan.
• Lifetime Death Benefit Guarantee Rider provides a no lapse guarantee to age 121.
• Maturity Extension Option⁵ allows the policy owner to elect to extend the coverage under the policy beyond the original maturity date (insured’s age 121).

• Four Year Term Rider provides last survivor term insurance coverage during the first four policy years (available only at policy issue).
• Overloan Protection Rider guarantees that the base policy will not lapse due to a large outstanding loan.
• Maturity Extension Option⁴ allows the policy owner to elect to extend the coverage under the policy beyond the original maturity date (younger insured’s age 121).

¹ Elite Global Plus^SM and Elite Global Survivor^SM are not sponsored, endorsed, sold or promoted by Standard & Poor's (“S&P”) or its third party licensors. Neither S&P nor its third party licensors makes any representation or warranty, express or implied, to the owners of Elite Global Plus or Elite Global Survivor or any member of the public regarding the advisability of investing in securities generally or in Elite Global Plus or Elite Global Survivor particularly or the ability of the S&P 500^® (the “Index”) to track general stock market performance. S&P's and its third party licensor’s only relationship to American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (USL) is the licensing of certain trademarks and trade names of S&P and the third party licensors and of the Index which is determined, composed and calculated by S&P or its third party licensors without regard to AGL or USL or Elite Global Plus or Elite Global Survivor S&P and its third party licensors have no obligation to take the needs of AGL or USL or the owners of Elite Global Plus or Elite Global Survivor into consideration in determining, composing or calculating the Index. Neither S&P nor its third party licensors is responsible for and has not participated in the determination of the prices and amount of Elite Global Plus or Elite Global Survivor or the timing of the issuance or sale of Elite Global Plus or Elite Global Survivor or in the determination or calculation of the equation by which Elite Global Plus or Elite Global Survivor is to be converted into cash. S&P has no obligation or liability in connection with the administration, marketing or trading of Elite Global Plus or Elite Global Survivor. NEITHER S&P, ITS AFFILIATES NOR THEIR THIRD PARTY LICENSORS GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN OR ANY COMMUNICATIONS, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATIONS (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P, ITS AFFILIATES AND THEIR THIRD PARTY LICENSORS SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS OR DELAYS THEREIN. S&P MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE MARKS, THE INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P, ITS AFFILIATES OR THEIR THIRD PARTY LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE. The “S&P 500^®” are trademarks of Standard & Poor’s and have been licensed for use by AGL and USL.
² The Dow Jones EURO STOXX 50® is the intellectual property of (including registered trademarks) Stoxx Limited, Zurich, Switzerland and/or Dow Jones & Company, Inc., a Delaware corporation, New York, USA, (the “Licensors”), which is used under license. This product that is based on the Index are in no way sponsored, endorsed, sold or promoted by the Licensors and neither of the Licensors shall have any liability with respect thereto.
³ The Hang Seng Index (the “Index”) is/are published and compiled by Hang Seng Indexes Company Limited pursuant to a licence from Hang Seng Data Services Limited. The mark and name Hang Seng Index are proprietary to Hang Seng Data Services Limited. Hang Seng Indexes Company Limited and Hang Seng Data Services Limited have agreed to the use of, and reference to, the Index by American General Life Insurance Company and The United States Life Insurance Company in the City of New York (“the Issuer”) in connection with Elite Global Plus/ Elite Global Survivor (the “Product”), BUT NEITHER HANG SENG INDEXES COMPANY LIMITED NOR HANG SENG DATA SERVICES LIMITED WARRANTS OR REPRESENTS OR GUARANTEES TO ANY BROKER OR HOLDER OF THE PRODUCT OR ANY OTHER PERSON (i) THE ACCURACY OR COMPLETENESS OF ANY OF THE INDEX(ES) AND ITS COMPUTATION OR ANY INFORMATION RELATED THERETO; OR (ii) THE FITNESS OR SUITABILITY FOR ANY PURPOSE OF ANY OF THE INDEX(ES) OR ANY COMPONENT OR DATA COMPRISED IN IT; OR (iii) THE RESULTS WHICH MAY BE OBTAINED BY ANY PERSON FROM THE USE OF ANY OF THE INDEX(ES) OR ANY COMPONENT OR DATA COMPRISED IN IT FOR ANY PURPOSE, AND NO WARRANTY OR REPRESENTATION OR GUARANTEE OF ANY KIND WHATSOEVER RELATING TO ANY OF THE INDEX(ES) IS GIVEN OR MAY BE IMPLIED. The process and basis of computation and compilation of any of the Index(es) and any of the related formula or formulae, constituent stocks and factors may at any time be changed or altered by Hang Seng Indexes Company Limited without notice.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, NO RESPONSIBILITY OR LIABILITY IS ACCEPTED BY HANG SENG INDEXES COMPANY LIMITED OR HANG SENG DATA SERVICES LIMITED (i) IN RESPECT OF THE USE OF AND/OR REFERENCE TO ANY OF THE INDEX(ES) BY AMERICAN GENERAL LIFE OR UNITED STATES LIFE IN CONNECTION WITH THE PRODUCT; OR (ii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES OR ERRORS OF HANG SENG INDEXES COMPANY LIMITED IN THE COMPUTATION OF ANY OF THE INDEX(ES); OR (iii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES, ERRORS OR INCOMPLETENESS OF ANY INFORMATION USED IN CONNECTION WITH THE COMPUTATION OF ANY OF THE INDEX(ES) WHICH IS SUPPLIED BY ANY OTHER PERSON; OR (iv) FOR ANY ECONOMIC OR OTHER LOSS WHICH MAY BE DIRECTLY OR INDIRECTLY SUSTAINED BY ANY BROKER OR HOLDER OF THE PRODUCT OR ANY OTHER PERSON DEALING WITH THE PRODUCT AS A RESULT OF ANY OF THE AFORESAID, AND NO CLAIMS, ACTIONS OR LEGAL PROCEEDINGS MAY BE BROUGHT AGAINST HANG SENG INDEXES COMPANY LIMITED AND/OR HANG SENG DATA SERVICES LIMITED in connection with the Product in any manner whatsoever by any broker, holder or other person dealing with the Product. Any broker, holder or other person dealing with the Product does so therefore in full knowledge of this disclaimer and can place no reliance whatsoever on Hang Seng Indexes Company Limited and Hang Seng Data Services Limited. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship.
⁴ See the riders for complete details. There may be a charge for each rider selected. Adding or deleting riders and increasing or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified
⁵ Policies may be subject to tax consequences when continued beyond the maturity date. The policy may not qualify as life nsurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option.  

Policies issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, Texas 77019

Elite Global Plus Policy Form Number 08444
Terminal Illness Rider Form Number 91401
Lifetime Death Benefit Guarantee Rider Form Number 08665
Waiver of Monthly Deduction Form Number 82001
Overloan Protection Rider Form Number 07620

Elite Global Survivor Policy Form Number 08414
Four Year Term Rider Form Number 01904
Overloan Protection Rider Form Number 07620JT

The United States Life Insurance Company in the City of New York
70 Pine Street, New York, New York 10270

Elite Global Plus Policy Form Number 08444N
Lifetime Death Benefit Guarantee Rider Form Number 08665N
Waiver of Monthly Deduction Form Number 82001
Overloan Protection Rider Form Number 07620N

The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (USL) are each insurer’s responsibility. All guarantees are subject to the claims-paying ability of the issuing insurance company.

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company and The United States Life Insurance Company in the City of New York. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states. American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including AGL and USL.