American General Life Insurance Company (AIG)

Ratings Information

Rating Agency	Rating Category	Rating
A.M. Best	Financial Strength	A++
Standard & Poor's	Financial Strength	AA+
Moody's	Financial Strength	Aa1
Fitch	Financial Strength	AA+

Term Life Insurance Products Information:

Product Name	Conversion Option		Face Amounts	Other Features
LTG Ultra C	LTG Ultra-C policies may be converted to a permanent life insurance plan of the Company's choosing during the conversion period without evidence of insurability. The conversion period extends to the earlier of the end of the level-premium period or the insured's attainment of age 75. LTG Ultra-C offers a conversion credit equal to the premium paid in the previous 12 months up to the annualized premium amount (including the policy fee) for policies converted to a permanent life insurance policy.		Band 1: $50,000-$99,999 Band 2: $100,000-$250,000	Terminal Illness Endorsement: The Terminal Illness Endorsement is an accelerated death benefit rider provided at no additional premium on all eligible LTG-ULTRA Series plans regardless of underwriting classification. The maximum benefit is 50% of the eligible death benefit, not to exceed $250,000. An insured may become eligible for this benefit if diagnosed by a qualified physician as having 12 months or less to live. The amount received is reduced by an actuarial discount and a one-time administrative fee. This fee may not exceed $300. Payment of the benefit will reduce the amount of any death benefit that may be payable. (Not available in CT, IN, KS, MI, NJ, NY, PA, SC, VA, WA)
LTG Ultra	LTG Ultra policies may be converted to a permanent life insurance plan of the Company's choosing during the conversion period without evidence of insurability. The conversion period extends to the earlier of the end of the level-premium period or the insured's attainment of age 75		Band I: $250,000-$999,999 Band II: $1,000,000+	Terminal Illness Endorsement: The Terminal Illness Endorsement is an accelerated death benefit rider provided at no additional premium on all eligible LTG-ULTRA Series plans regardless of underwriting classification. The maximum benefit is 50% of the eligible death benefit, not to exceed $250,000. An insured may become eligible for this benefit if diagnosed by a qualified physician as having 12 months or less to live. The amount received is reduced by an actuarial discount and a one-time administrative fee. This fee may not exceed $300. Payment of the benefit will reduce the amount of any death benefit that may be payable. (Not available in CT, IN, KS, MI, NJ, NY, PA, SC, VA, WA)
Return of Premium Level Term Life Insurance (ROP Level Term)	ROP Term policies may be converted to a permanent life insurance plan of the Company's choosing during the conversion period without evidence of insurability. The conversion period extends to the earlier of the end of the level-premium period or the insured's attainment of age 75. If the policy holder chooses to convert during the level term period, any available cash value will be transferred to the new policy.		Four rate bands: $100,000-$149,999 $150,000-$249,999 $250,000-$499,999 $500,000+	ROP Level Term features level term coverage for 15, 20 or 30 years, with a return of premium at the end of the term period. The return of premium feature is inherent in the ROP Term product; it is not provided by a rider. Terminal Illness Endorsement In case of a terminal illness diagnosis, you would be eligible to receive an accelerated death benefit equaling the lesser of $250,000 or 50% of your policy death benefit. (Not available in CT, IN, KS, MI, NJ, NY, PA, SC, VA, WA).

Term Lengths	5 Year Term Life Insurance	10 Year Term Life Insurance	15 Year Term Life Insurance	20 Year Term Life Insurance	25 Year Term Life Insurance	30 Year Term Life Insurance
Issue Ages	Not Available	20-80 (ROP: Not available)	20-75 (ROP: 20-65-Until age 55 for smokers)	20-65 (ROP: 20-60-Until age 55 for smokers)	Not Available	20-50 (ROP: Until age 45 for smokers)

State Approvals:

State	Approved?	State	Approved?	State	Approved	State	Approved?
Alabama Term Life Insurance	Yes	Illinois Term Life Insurance	Yes	Montana Term Life Insurance	Yes	Rhode Island Term Life Insurance	Yes
Alaska Term Life Insurance	Yes	Indiana Term Life Insurance	Yes	Nebraska Term Life Insurance	Yes	South Carolina Term Life Insurance	Yes
Arizona Term Life Insurance	Yes	Iowa Term Life Insurance	Yes	Nevada Term Life Insurance	Yes	South Dakota Term Life Insurance	Yes
Arkansas Term Life Insurance	Yes	Kansas Term Life Insurance	Yes	New Hampshire Term Life Insurance	Yes	Tennessee Term Life Insurance	Yes
California Term Life Insurance	Yes	Kentucky Term Life Insurance	Yes	New Jersey Term Life Insurance	Yes	Texas Term Life Insurance	Yes
Colorado Term Life Insurance	Yes	Louisiana Term Life Insurance	Yes	New Mexico Term Life Insurance	Yes	Utah Term Life Insurance	ROP: No; Ultra and Ultra C: Yes
Connecticut Term Life Insurance	Yes	Maine Term Life Insurance	Yes	New York Term Life Insurance	No	Vermont Term Life Insurance	Yes
Delaware Term Life Insurance	Yes	Maryland Term Life Insurance	Yes	North Carolina Term Life Insurance	Yes	Virginia Term Life Insurance	Yes
Dist. of Columbia Term Life Insurance	Yes	Massachusetts Term Life Insurance	Yes	North Dakota Term Life Insurance	Yes	Washington Term Life Insurance	ROP: No; Ultra and Ultra C: Yes
Florida Term Life Insurance	Yes	Michigan Term Life Insurance	Yes	Ohio Term Life Insurance	Yes	West Virginia Term Life Insurance	Yes
Georgia Term Life Insurance	Yes	Minnesota Term Life Insurance	Yes	Oklahoma Term Life Insurance	Yes	Wisconsin Term Life Insurance	Yes
Hawaii Term Life Insurance	Yes	Mississippi Term Life Insurance	Yes	Oregon Term Life Insurance	Yes	Wyoming Term Life Insurance	Yes
Idaho Term Life Insurance	Yes	Missouri Term Life Insurance	Yes	Pennsylvania Term Life Insurance	Yes

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