You’ve worked hard to build your estate. With a lifetime of wealth at stake, you need a solution you can count on for performance and long-lasting protection.

• Protect your estate and insure your heirs’ inheritance, while minimizing the tax burden?
• Leave as many of your personal or business assets as intact as possible?
• Insure your business will continue seamlessly in the event of your death?
• Transfer your IRAs, annuities, or other qualifi ed plan assets to your heirs without any additional tax liability?
• Allow your favorite charities to also benefit from your legacy?

Survivor Advantage last survivor variable universal life insurance was created so that you can be secure in the knowledge that the people who matter most to you will benefit from the legacy you created—and not just a piece of it.

See Policy and Fund Prospectuses and Performance Information

• The policy covers two people, you and your spouse, for example. Benefits are paid upon the second death—when your estate will pass to your heirs and when estate taxes are most often due (Federal estate taxes are generally due within nine months of death and could absorb nearly half of your assets before any money is received by your heirs. Consult with your tax professional to determine the effect of estate taxes on your individual situation.)
• With a last survivor policy, your estate is protected, but because it covers two people, it can be more affordable than purchasing two individual policies
• Your beneficiaries receive the proceeds, which are not subject to federal income tax (Based on current federal income tax laws)
• With proper planning the proceeds of the policy may be excluded from your gross estate for estate tax purposes as well
• And, since death benefit proceeds are not generally subject to probate, the funds are payable to your heirs right away

• Variable universal life insurance (VUL) provides the combination of life insurance protection and upside market potential. With access to professionally managed investment options, you can build a portfolio that may surpass inflation—thanks to tax-deferred compounding
• Not only is your family and estate protected, variable universal life insurance provides the opportunity to actually increase the value of the estate your heirs will receive

• Tax-advantaged withdrawals and loans should you need access to your policy’s account value (Withdrawals in excess of basis are taxable. Partial withdrawals and outstanding loans will reduce your death benefit and the cash value available to pay your insurance costs. Limitations apply to tax neutral transfer privileges. Policy loans require intent to repay. Otherwise, adverse federal income tax consequences may result, including a 10 percent penalty for premature withdrawals. Consult your tax advisor. See the policy prospectus for complete terms and costs.)
• Transfers between investment options do not trigger an income tax liability

• Asset Allocation - Dependent upon your risk tolerance, use asset class models to allow you to choose the percentage allocated to a specific fund within each asset class
• Dollar Cost Averaging - Allocate a fixed amount of money, over time, at different time intervals. With dollar cost averaging, you can automatically transfer a set amount between investment options on a periodic basis, helping you to even out the effects of market volatility. (Dollar cost averaging does not assume a profit or protect against a loss in declining markets. A policy owner should consider his or her financial ability to continue purchases through periods of low price levels in order to utilize fully a dollar cost averaging program. Dollar cost averaging is also not available in conjunction with automatic rebalancing.)
  
• Automatic Rebalancing - A service we offer that periodically adjusts the policy values of investment options to match the allocation percentages set by you and your registered representative
• Option to Extend Coverage - This option extends coverage past the original maturity date of the younger contingent insured's age 121. If you select this option, you will receive the same death benefit that was in effect immediately prior to your policy’s original maturity date. (Policies may be subject to tax consequences when continued beyond the maturity date. Policy owners should consult a qualified tax advisor before electing this option. The policy may not qualify as life insurance under Internal Revenue Code after age 121.)
• Issue Ages: 20-90
• Minimum Death Benefit: $250,000

• Overloan Protection Rider - When a VUL policy funds future financial needs with policy loans, this rider can provide a valuable benefit. When certain conditions are met, this rider can prevent your policy from lapsing because of loan indebtedness, thereby preventing you from receiving a potentially large tax bill

The underwriting risks, financial and contractual obligations and support functions associated with the policies issued by American General Life Insurance Company (American General Life) are its responsibility. American General Life does not solicit business in the state of New York. 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. Policies and riders not available in all states. Variable universal life insurance policies issued by American General Life are distributed by American General Equity Services Corporation, member FINRA www.finra.org.