Smart. Secure. Simple. Fixed single-premium universal life insurance A Wealth Transfer Vehicle AIG Inheritance Life is especially designed as a wealth-transfer vehicle. Do you have assets that you do not intend to use and would prefer to leave to your heirs in an income-tax-efficient manner? The Right Choice for the Right Person If you: are 40 to 85 years old, want to transfer wealth to your heirs, have at least $10,000 of assets beyond estimated future needs, want growth potential, want a tax-advantaged death benefit without the delay of probate, want access to your money should you need it, and prefer a simplified application process … … then AIG Inheritance Life could be the right solution for you. Tax-Advantaged Features The potential value of your estate increases instantly because the one-time premium produces a death benefit larger than the premium1 The death benefit is guaranteed and will never be less than the initial specified amount2,3 Your earnings grow on a tax-deferred basis in an interest-bearing cash value account4 The death benefit passes to your beneficiaries free of federal income taxes5 The Security of Guarantees A guaranteed return of premium means that the cash surrender value will never be less than the single premium paid (minus loans and withdrawals) The death benefit has a lifetime guarantee2,3,6

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Liquidity
AIG Inheritance Life gives you access to your funds should you need them.⁷

• After the first policy year, you may take partial withdrawals of up to 10 percent of the policy’s accumulation value (less outstanding loans) without surrender charges⁸
• Policy loans are available any time⁹

Available Riders

• If the insured is diagnosed as terminally ill (less than 12 months to live), a one-time acceleration of up to 50 percent of the death benefit net of policy loans is available, subject to a maximum benefit of $250,000¹⁰
• Surrender charges are waived upon a qualifying medical stay (confined in a licensed hospital or nursing facility) for either the insured or the insured’s spouse, or if the insured or the insured’s spouse is diagnosed as chronically ill as certified by a licensed health care practitioner¹¹

Easy Application
AIG Inheritance Life involves a quick and easy application process.¹²

• You only answer five questions to determine if you are eligible
• We will notify you within 10 minutes if the application has been approved or if additional underwriting is required
• No medical exam is necessary if your application is approved and your initial premium qualifies you for simplified underwriting

¹ No increases or decreases to the death benefit are allowed. The company will not accept any additional premium payments.
² Partial withdrawals and policy loans reduce the death benefit amount.
³ Guarantees are subject to the claims-paying abilities of American General Life Insurance Company.
⁴ The minimum annual guaranteed interest rate is 3 percent prior to deductions for policy loads and cost of insurance charges. Policy fees include a current monthly administration fee of $4 (maximum $6) and a monthly expense charge per $1,000 of specified amount. Policy loads are not taken beyond age 100. Cost of insurance charges vary based on the insured’s issue age, gender and premium class.
⁵ Based on current federal income tax laws.
⁶ Under the maturity extension benefit, the death benefit will be equal to the death benefit amount in effect on the day prior to the original maturity date.
⁷ In most cases, the single premium at certain ages will result in a Modified Endowment Contract (MEC). With a MEC, partial withdrawals, loans and surrenders will generally be taxed as regular earnings. Under current tax laws, distributions will also be subject to a 10 percent federal tax penalty on the taxable portions if the owner is under 591/2. Clients should always consult their tax advisers regarding their particular circumstances.
⁸ Partial withdrawals reduce the death benefit on a pro rata basis. Withdrawals above 10 percent of the accumulation value (less any outstanding policy loans) may be taken but are subject to surrender and withdrawal charges. Surrender charges are calculated as a percentage of accumulation value. For issue ages 40 – 79, the declining surrender charge scale for the first 7 policy years is: 7%, 7%, 6%, 5%, 4%, 3%, 2% and 0% in years 8 and higher. For issue ages 80 – 85, the declining surrender charge scale is: 5%, 4%, 4%, 3%, 3%, 2%, 1% and 0% in years 8 and higher. Consult your tax adviser to determine if transaction is a taxable event.
⁹ Preferred loans are available after the 10th policy year at zero net cost. Preferred loans are restricted to policy earnings. The policy will terminate if the policy loan amount is greater than the cash value at any time.
¹⁰ This benefit is available under the Terminal Illness Rider. There is no charge for this rider prior to the time an accelerated benefit is paid. When an accelerated benefit is paid, a lien against future policy benefits is established and will be deducted from the policy death benefit prior to payment. See the rider for more details. Rider availability and features may vary by state.
¹¹ This benefit is available under the Waiver of Surrender Charge Rider. There is no charge for this rider. Benefit eligibility is subject to limitations and exclusions. See the rider for details. Rider availability and features may vary by state.
¹² Coverage decision is based on the answers provided on the application and information from various sources such as the Medical Information Bureau (MIB) and any other source.

Policies issued by: American General Life Insurance Company
A subsidiary company of American International Group, Inc. (AIG)
2727-A Allen Parkway, Houston, TX 77019

Policy Form Number 06440
Terminal Illness Rider 91401
Waiver of Surrender Charge Rider 06422

The underwriting risks, financial obligations and support functions associated with the products issued by American General Life Insurance Company (American General Life) are its responsibility. AIG does not underwrite any insurance policies referenced herein. American General Life is responsible for its own financial condition and contractual obligations. American General Life does not solicit business in the state of New York. Policies and riders not available in all states.