American General Life Insurance Company

Address mail to:		Regular Mail		Overnight Mail
SunAmerica		P.O. Box 54299		21650 Oxnard Street, Suite 750
Annuity Service Center		Los Angeles, CA 90054-0299		Woodland Hills, CA 91367-4997		1-800-445-7862		sunamerica.com

Extended Legacy Program Guide

What is the Extended Legacy Program?

The Extended Legacy Program is a death claim settlement program that provides claimants of SunAmerica variable annuities the opportunity to defer the distribution of claim proceeds while retaining full discretionary access to them.

Extended Legacy Program

There are two options for this program.

Option 1 This option enables the claimant to defer taking a full distribution until December 31st of the year containing the fifth anniversary of the deceased’s death. Any amounts remaining in the account as of that date will automatically be distributed to the claimant. The claimant may take discretionary distributions of up to 100% of the current value of the death claim proceeds at any time during the five year period.

Option 2 This option enables the claimant to receive annual required minimum distributions, generally over the claimant’s life expectancy, beginning no later than December 31st of the year following the year of the deceased’s death. The claimant may take discretionary distributions of up to 100% of the current value of the death claim proceeds at any time.

Both options have tax implications that should be considered before making a decision. We recommend that you discuss your situation with a tax professional.

Program Availability

The Extended Legacy Program is available to claimants of products listed on page 2. One or both options referenced above may not be available to certain claimants. Please review the Variable Annuity Death Claim form (SA2200POS, U2200POS in NY) for additional information. Contact our Annuity Service Center at (800) 445-7862 for information regarding availability.

How Do I Use This Guide?

If you elect the Extended Legacy Program, the applicable fees, features and investment options available to you may differ from the fees, features and investment options available to the original deceased Owner.

To review the applicable fees, features and investment options available to you:

1.		Identify the product to which you are a claimant. The product name can be found in the upper-right corner of the deceased’s last quarterly statement. If this same product name is in the list of products on page 2 of this guide, you are eligible for the Extended Legacy Program. If this product name is not in this list, this program is not available to you. Contact our Annuity Service Center if you need assistance.
2.		Review the Variable Portfolio investment options available to you. Refer to the product prospectus you received with this Guide that lists the investment options available to you. Additional information regarding the investment options can be found in the fund prospectus available at sunamerica.com or through our Annuity Service Center. You will be mailed a copy of the fund prospectus for the available investment options if you elect the Extended Legacy Program.
3.		Write your investment allocation instructions on the Death Claim form. Indicate your investment allocation instructions on page 10, Section I, of the Variable Annuity Death Claim form.
4.		Review the product prospectus disclosure. The product prospectus you received with this Guide includes important information about the administrative features available to you. Please review the sections of the prospectus related to Investment Options, Transfers, Dollar Cost Averaging, Systematic Withdrawal, Automatic Asset Rebalancing Program, Extended Legacy Program, Separate Account Expenses, Taxes and Other Information.

Variable annuities issued by American General Life Insurance Company or, in New York, by The United States Life Insurance Company in the City of New York, NY.

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Extended Legacy Program Guide		Page 2 of 2

Fees Associated With the Extended Legacy Program

Separate

Contract

Account

Maintenance

Product Issued to Deceased

Charge1

Fee2

For all of the following products listed below, refer to the product prospectus sent to you with this Guide for a list of available investment options.

American Pathway

Polaris Choice II

Seasons Advantage

Polaris

Polaris Choice III

Seasons Advisor

Polaris NY

Polaris Choice III NY

Seasons Advisor II

Polaris Rewards NY

Polaris Choice IV

Seasons Advisor III

Polaris II

Polaris Choice IV NY

Seasons Elite

Polaris II NY

Polaris Platinum

Seasons Preferred Solution

Polaris II Rewards

Polaris Platinum Rewards

Seasons Select

Polaris II Rewards NY

Polaris Platinum II

Seasons Select II

1.15%

$35

Polaris Advantage

Polaris Platinum II Rewards

Seasons Select II Rewards

Polaris Advantage NY

Polaris Platinum III

Seasons Triple Elite

Polaris Advantage II

Polaris Platinum III NY

WM Diversified Strategies

Polaris Advisor

Polaris Preferred Solution

WM Diversified Strategies III

Polaris Advisor III

Polaris Preferred Solution NY

WM Diversified Strategies III NY

Polaris America

Polaris Protector

FSA Advisor

Polaris Choice

Polaris Protector Rewards

Polaris Choice NY

Seasons

EXTLEGGEN