Policy issued by:American General Life and Accident Insurance Company

For Policy Forms AGLA 05AHO, AGLA 08174, AGLA 08ALO, AGLA 09TRM, AGLA 08TRM and Riders AGLA ABR, AGLA 04CHIR, AGLA 04CRIR, AGLA 04TIR, AGLA 07CHP, AGLA 05AHA REV0308, AGLA 05AHC, AGLA 05AHB, AGLA 05AHG, AGLA 05AHP, AGLA 05AD2, AGLA 08MGP, AGLA EMD-DB, AGLA 04001, AGLA 05AD2, AGLA 20140-1, AGLA PW-A-NL, and state variations.

www.qualityoflifeinsurance.com

American General Center • Nashville, Tennessee 37250-0001

www.agla.com

The underwriting risks, financial and contractual obligations and support functions associated with products issued by

American General Life and Accident Insurance Company (AGLA) are its responsibility. AGLA does not solicit business in the states

of New York and Wyoming.

Policies may be subject to tax consequences when continued beyond the maturity date (Age 121). The policy may not qualify as life

insurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option.

The insurance company may contest the policy from the date of policy issue, a reinstatement or an increase in coverage, during a

period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material fact on the application

for such policy, reinstatement, or increase.

If an Insured Person dies by suicide within the suicide period provided by applicable law and described in the policy, the death benefit will

be limited as provided by the policy.

©2010 All rights reserved.

AGLA8532 QOL-SCH (1210)

"Life Insurance you don't have to die to use."

“ I like that you have the combined benefits of life insurance, long term care, and disability insurance all in one with Quality of Life...Insurance. You don’t have to decide what coverage to buy or not buy – you’re taken care of if any one of these events happens, and you only need to deal with one company.” — Casey, Focus Group Participant

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Life Insurance You Don’t Have

to Die to Use.

At American General Life and Accident, our Quality of Life...Insurance is Changing The Way Americans Think About, Purchase and Use Life Insurance.®

What if you suffer a major heart attack, stroke, or invasive cancer and don’t die? Would your family be able to maintain their standard of living if you were financially impacted by a serious illness?

Traditional life insurance is designed to provide security for your loved ones in the event of your premature death… but what if you could get life insurance you don’t have to die to use?

You choose how to use your life insurance:

• Lifeinsurancetohelptake care of loved ones

• InnovativeAcceleratedBenefit Riders to help with the costs of critical or long-term chronic illnesses or conditions

• CashValuetosupplement your retirement income, or to help with other financial goals

• DisabilityIncomeRidertohelp pay bills if you are unable to work

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QualityofLife…Insuranceislifeinsurancewithoneormoreacceleratedbenefitriders. You and your agent will work together to decide which plan best fits your needs – allowing you to personalize a plan for the different stages in your life.

AGLAchoice® Performer and Provider –Customerswhopurchasetheseplanswant access to their accumulated cash value in case of an emergency or to use for a future major event (such as college funding or a dream vacation). They want to accomplish their goals on a defined budget.

AGLAchoice® Protector – This plan can be an excellent alternative to a traditional, 30yearTermLifeInsurancepolicy.Clientsaretypicallyyoungerthantheaveragelife insurance buyer, and their goals often include protecting a mortgage and providing a dependable monthly income in the event of a disability. This product provides coverage at an affordable rate.

AGLAchoice® Accumulator – This plan offers clients the best potential to accumulatesubstantialcashvalueovertime.AGLAchoiceAccumulator buyers are usually more financially secure than the average life insurance buyer, and may want to use their life insurance cash value to supplement their retirement on a tax favored basis.

AGLA ConsumerChoice Term® – With this plan, you choose the level premium period that fits your needs – either 10 years, 12 years, or any period from 15–35 years. This policy is a good choice for families who need to cover temporary insurance needs, such as making sure a mortgage is protected, providing college tuitionfortheirchildrenorcoveringstart-upcostsfromasmallbusiness.Andifyour circumstances change, this policy may be converted to permanent coverage.

AGLAFlexSM Term – Thiscompetitively-pricedTermLifeInsuranceproductmay be purchased either as a stand-alone policy, or in conjunction with a qualifying UniversalLifeproduct.Inmoststates,ifpurchasedinconjunctionwithaqualifyingULproduct,thepolicyownerreceivestherighttopurchaseor“allocate”uptofivetimesthatULfaceamountinAGLAFlex Term coverage. This product is an excellent choice for cost-conscious consumers wishing to attain both permanent and temporary protection at an extremely affordable rate.

TheinnovativeAGLASelectChoiceAcceleratedBenefitRiderisincludedwithallofthese plans. Your agent can help you decide which plan works best for you.

“Quality of Life...Insurance could be a huge benefit to my husband and I. We both do freelance work, so we don’t have a big company policy with a lot of benefits. Being able to customize a policy for each of us sounds great. It would give me peace of mind to be able to provide for my children, knowing that a lot of those concerns would be addressed and taken care of.” — Lucinda,

Focus Group Participant

What Exactly Is Quality of Life… Insurance?

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Cash Value –How do I make the most of it?

Competitive Current Crediting Rates Plus Guaranteed Crediting Rates for LifeUniversalLifeinsuranceproductshaveanaccumulationvalueonwhichinterestiscredited.Interestcreditingratesvarydependingonwhichlifeinsuranceplanyouchoose.

You have the option to use this accumulated value to help you supplement your retirement income, pay educational expenses, start a small business, or pay off your home mortgage early. How, and whether, you use your money is up to you.

Paid-Up InsuranceYour protection needs change over time. You may decide you no longer wish to paypremiums,butwanttokeepanamountofpermanentcoverage.Afterthefirst policy year, you can use any cash surrender value your policy may have to purchase a fully paid-up life insurance policy ($1,000 minimum face amount).

“ Quality of Life...Insurance builds cash value, which I like. Now that I’m a father, I know that I can use that money for college for my son. Or, I can use it for any emergencies that may come up.

Yet my policy also provides me with a death benefit and Accelerated Benefit if anything happens to me before I can build my cash value, so my family can maintain their standard of living.”

— Kelly, Quality of Life…Insurance Policyowner

Universal LifeInsurance

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ThefollowinginformationdescribestheQualifyingEventsundertheAGLA SelectChoiceAcceleratedBenefitRider(seeriderfordetails):

Qualifying Chronic Illness1 AQualifyingChronicIllnessisanillnessorphysicalconditionthatwasinitially certified by a licensed healthcare practitioner within the past 12 months and permanentlyaffectstheinsuredpersonsothatheorshe:

•IsunabletoperformatleasttwoofthesixActivitiesofDailyLiving(ADLs);or•RequiressubstantialsupervisionbyanotherpersontoprotecttheInsured

Person from threats to health and safety due to severe cognitive impairment.

ADLs:Bathing,Dressing,Toileting,Transferring,Continence,Eating

Qualifying Critical Illness1 ThefollowingcriticalillnessesorconditionsareQualifyingCriticalIllnessesundertherider:

Qualifying Terminal Illness1

AQualifyingTerminalIllnessisanillnessorphysicalconditionthatiscertifiedbya physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification.

How Does Acceleration Work?There are factors to consider before deciding whether acceleration is right for you, including:

•Accelerationwillreduce(oreliminate)theInsuredPerson’sbaselifeinsurancebenefitandpolicyvalues,ifany.Dependingontheamountyouaccelerate,therewillbeless(orno)benefitpaidwhentheInsureddies.

•CoverageundertheAGLASelectChoiceABRorundertheAGLAChronicCare IncomeRider® terminates on the date coverage under the policy or any covered riders terminates. We encourage you to read your policy and advise you to consider your options carefully before ever letting your policy lapse for anyreason,includingthenon-paymentofpremium,especiallywhileanABRclaim is pending.

•Ifyouareeligible,youwillbeofferedtheopportunity,whenyoureceive your benefit election form, to purchase coverage to replace the amount accelerated. However, the costs of that coverage may be significantly higher.

AGLA SelectChoiceSM

Accelerated Benefit Rider

“ Quality of Life...Insurance would be important for me and my family because you never know how your income situation is going to change if you or someone in your family became ill. You can never anticipate what could happen and when you would need protection. Quality of Life...Insurance is an all-encompassing product…and I think it’s a very flexible product.” — Pat,

Focus Group Participant

1AGLASelectChoiceABRbenefitsanddefinitionsmayvaryinsomestatesand/or not be available in all states. The maximum amount of life insurance benefit thatmaybeacceleratedissubjecttotheMaximumElectedDeathBenefit,whichis the lesser of the current life insurance benefit or a lifetime maximum amount of$1,500,000.Benefiteligibilityissubjecttolimitationsand/orWaitingPeriod,Elimination Period and exclusion requirements. Please read the rider carefully for a complete definition of benefits and the conditions applying to the rider.

•MajorHeartAttack•CoronaryArteryBypass•Stroke•InvasiveCancer•BloodCancers:Leukemia,

Lymphoma,andMultipleMyeloma

• Major Organ Transplant•EndStageRenalFailure• Paralysis•Coma•SevereBurn

How Does Acceleration Work?

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“ This policy gives my husband and me peace of mind because we know there’s going to be money there if we need it. We bought this policy because it’s not just for when we die, we can use it while we’re still alive.”

— Betty, Quality of Life...Insurance Policyowner

TheAGLASelectChoiceAcceleratedBenefitRider(ABR)allowstheOwnerto receiveaportionoftheInsuredPerson’slifeinsurancebenefitunderthepolicyduringtheInsuredPerson’slifetime,uponsubmissionofrequireddocumentationregarding a Qualifying Event.

Theriderisdesignedtoprovidetwotypesofacceleratedbenefits:theDefined AcceleratedBenefit(DAB)andtheFlexibleAcceleratedBenefit(FAB).

Defined Accelerated Benefit (DAB)TheDABisanoptionalbenefitwhichprovidesforpaymentofapredeterminedportion of the applicable life insurance benefit upon the occurrence of a Qualifying Event.TheDABfortheinitialQualifyingEvent,whereaclaimismade,is determined as a fixed percentage between 5%-15% of the maximum applicable lifeinsurancebenefitthatcanbeacceleratedunderthepolicy.TheDABfora subsequent Qualifying Event is calculated using a reduced percentage (20% of the initialDABpercentage).TherewillbeachargefortherideriftheDABpercentageisgreater than zero.

Flexible Accelerated Benefit (FAB)TheFABprovidesforaccelerationofalloraportionoftheremaininglifeinsurance benefitthatmaybeacceleratedafteranyDABispaid.Anyportionofthelife insurancebenefitthatiselectedtobeacceleratedasaFABissubjecttoanactuarialdiscount, administrative charge, and payment of any unpaid but due policy premiums and will always be less than the portion of the base life insurance benefit accelerated.

•TheamountofferedasaFABwill,insignificantpart,bedependentuponanychangeinmortalityoftheInsuredPersoninquestionbetweenthetimethe applicablelifeinsurancepolicywiththeFABwasunderwrittenandthetime anyparticularFABclaimisfiledandconsidered.ChangesinhealthandotherfactorswillhavevaryingeffectsonthemortalityofdifferentInsuredPersons.CircumstanceswillvaryamongindividualInsuredPersons.

•TheamountofferedasaFABisdeterminedbythecompanyafteraclaimis submitted and, when accepted, is payable to the Owner as a lump sum.

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“One of my family members needed long term care, so I saw what devastation it caused financially. They were paying $2,000 or $3,000 a month for the care, which they really didn’t have, and eventually ended up losing their home. I feel like in their last days it really took a lot of dignity away from them, and I would never want to be in that situation.” — Brian,

Focus Group Participant

Types of Accelerated Benefits

John, the owner of the policy, is a 40-year-old male who purchases a $250,000 AGLAchoice Accumulator policy and pays $303.08 monthly premium. John doesn’t use tobacco, and qualifies for standard underwriting. He also purchases the Disability Income Rider, occupation class 2 and elects a benefit of $3,000 per month for 24 months.

John also purchases the AGLA SelectChoice ABR with an initial Defined Accelerated Benefit Percentage of 10%. This would provide an initial Defined Accelerated Benefit amount of $25,000 for the sample policy.

Here are some hypothetical examples of how John might use his Quality of Life...Insurance policy during his lifetime.

Ten years after purchasing the policy, John is 50 when he suffers a Major HeartAttack.

John is now 60 and recovered from his MajorHeartAttack.However, he now develops a serious chronic illness that leaves him unable to perform 2 of the 6ActivitiesofDailyLiving(ADLs).Heiscertified as being ChronicallyIllbyaLicensedHealthCarePractitioner.

John dies at age 67.

Upon his retirement at age 65, John decides to go on an extended vacation.

John passes away unexpectedly, shortly after returning from his trip.

$250,000

$200,000

$50,000

$250,000

$250,000 lessloan balance

PLEASE noTE: ThelifeinsuranceofferedwithAGLASelectChoiceABRisnotstand-alonelongtermcare insurance, disability income insurance or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits under the rider will reduce the amounts available for future accelerationunderitandanyotherAcceleratedBenefitRiderattachedtothepolicy.Itwillalsoreducethebase life insurance benefit and the funds available to supplementretirementorotherneeds.Insomecases,such reductions can result in policy termination. The benefits paid may be less than what is needed to cover all of the costs associated with an illness or condition. Even though accumulated cash value may be available to supplement retirement, it should not be relied upon as a significant source of retirement income. The premiumsfortheoptionalAGLASelectChoiceDefinedAcceleratedBenefitandtheDisabilityIncomeRiderillustrated in this example are included in the $303.08 monthlypremium.YourAGLAagentcanprovideyou with details.

The values in this chart were calculated using current, non-guaranteed interest and cost of insurance rates, monthly administration fees and premium expense charge percentages as of November 2010. Therefore, they may be changed at any time for any reason. Your results may be more or less favorable.

*“Accelerate”meanstoreceiveaportionofthebaselifeinsurance benefit early–while the insured is still alive–in the event of a covered illness or condition.

**Assumespaymentofpremiumsnecessarytokeeppolicyinforce.

***UponpaymentoftheinitialDefinedAcceleratedBenefit,theBenefitPercentageforallsubsequentqualifyingeventsissettoequal20%oftheinitialDefinedAcceleratedBenefitPercentage.

Event Base life insurance amount in force

Life Event 1: DisabilityandCriticalIllnessEvent

Disability IncomeRider&AGLA SelectChoiceABRwith10%DefinedAcceleratedBenefit

John dies at age 67

What if John hadstayed healthy?

Example

Life Event 3: FinalClaim

6

Life Event 2: DisabilityandChronicIllnessEvent

Disability IncomeRider&AGLA SelectChoiceABRwith10%DefinedAcceleratedBenefit

JohnfilesaclaimundertheDisabilityIncomeRider.Healsofacesincreasedfinancial obligations for the assistance required during his illness.

John files a claim under the DefinedAcceleratedBenefitforthe $25,000 and files a claim to consider accelerating* $25,000 of the remaining life insurance benefit.

John receives necessary documents fromAGLAtoassistinchoosingacceleration or other alternatives. John elects to receives both the DefinedandFlexibleAcceleratedBenefit.

John files another claim under the DisabilityIncomeRider.

JohnfilesaclaimundertheDefinedAcceleratedDeathBenefitforthe$4,000 (2% of $200,000) and files a claim to consider accelerating* $146,000 of his remaining life insurance benefit.

John receives necessary documents fromAGLAtoassistinchoosingacceleration or other alternatives. HeelectstoreceiveaFlexibleAcceleratedBenefit.

John’s beneficiary files a death claim.

Sincenoacceleratedbenefitshavebeen elected, and there are no outstanding loans, John decides to access his accumulated cash value.

John’s beneficiaries files a claim for the remainder of his life insurance benefit.

TheDisabilityIncomeRiderandtheAGLASelectChoiceABRoperateindependently.

Afterthe90dayeliminationperiod,AGLApaysJohn $3,000 per month for up to two years, ($72,000)underhisDisabilityIncomeRider.

AGLApaysthe$25,000DefinedAcceleratedBenefitAmountplusaFlexibleAcceleratedBenefitAmount.

WhenJohnfileshisclaimfortheFlexibleAcceleratedBenefit,AGLAdetermineshisbenefit based on the severity of his critical illness and how much it affects his life expectancy.

Forexample,ifJohn’squalifyingheartattackwas mild and he is expected to fully recover, hemaybeofferedalesseramount.Ifhisheart attack was severe and has significantly shortened his life expectancy, he will be offered a larger amount.

PaymentofaDisabilityIncomeRiderbenefithasno effect on the policy.

John’s life insurance benefit continues without reduction as long as he continues to pay the requiredpremium.TheDisabilityIncomeRidercoverage would still be in effect until the policy anniversary following John’s 65th birthday.

Baselifeinsurancebenefitisreducedby20%($25,000DefinedAcceleratedBenefitAmountand$25,000forFlexibleAcceleratedBenefit)to$200,000.Cashandaccumulationvaluesarereducedby20%.TheDefinedAcceleratedBenefitPercentageforallsubsequentqualifyingevents is set to equal 2%***.

PaymentofaDisabilityIncomeRiderbenefithasno effect on the policy.

John’s life insurance benefit continues without reduction as long as he continues to pay the requiredpremium.TheDisabilityIncomeRidercoverage would still be in effect until the policy anniversary following John’s 65th birthday.

Baselifeinsurancebenefitisreducedby75%to$50,000($4,000DefinedAcceleratedBenefitAmountand$146,000ElectedDeathBenefitacceleratedforFlexibleAcceleratedBenefit).Cashandaccumulationvaluesarereducedby75%.TheDefinedAcceleratedBenefitPercentage for all subsequent qualifying events remains equal to 2%***.

TheDisabilityIncomeRiderclaimandtheChronicIllnessABRoperateindependently.

Afterthe90dayeliminationperiod,AGLApaysJohn $3,000 per month for up to two years, ($72,000)underhisDisabilityIncomeRider.

AGLApaysthe$4,000DefinedAcceleratedBenefitAmount.

BecauseofJohn’ssignificantlyshortenedlifeexpectancy,AGLAoffershimaFlexibleAcceleratedBenefitAmountof$80,909.Adifferent life expectancy could have resulted in a larger or smaller benefit amount. John acceptstheFlexibleAcceleratedBenefitoffer.

John’s beneficiary receives the remainder of his death benefit - which is now $50,000.

Johnreceives$50,000fromAGLA.Heandhis wife truly have the vacation of a lifetime and travel the globe for two months.

John’s beneficiaries (his wife, son and daughter) eachreceivetheirsharesof$196,955,which is the amount of John’s life insurance coverage of $250,000 less the loan balance. His widow uses her portion to help supplement her retirement needs. His son makes a down payment on a family vacation home. John’s daughter helps pay college expenses for John’s grandson.

John’s policy is terminated after payments are made to beneficiaries.

$50,000 is borrowed from the policy as a preferred loan, where the interest charged for the loan is the same as the interest credited. His life insurance coverage is now $250,000 less any loan balance at time of death.

John, his wife, his children and grandchildren all benefit from John’s policy, which is terminated after the payments are made to the beneficiaries.

Action Result Effect on Policy

How Does It Work?

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How Long Could You Financially Survive an Extended Disability?

Consider the Facts:

• 54millionpeopleinAmericanhavesomelevelofdisability.Theyrepresent 19percentofthepopulation.1

• Men have a 43 percent chance of becoming seriously disabled during their working years, while women have a 54 percent chance.2

• The average disability claim lasts almost 13 months, and mortgage foreclosures due to disability occur 16 times as often as they do for death. Yet, more than 40 percent of full-time workers do not have coverage in the event of a short or long term disability to protect against a loss of income.3

Despite all this, isn’t it amazing that most Americans have little or no disability coverage?

1. U.SCensusBureau,FactsforFeatures,May26,20102. “WhyDisability”booklet,publishedbyNationalUnderwriter3. FinancialPlanningAssociation,MedicalIssues,www.fpanet.org

asofFebruary2007

“ If you didn’t have good short term disability insurance through your employer, your bills would continue to grow while you were getting better. With this plan, you don’t have that financial strain hanging over you.”

–– April Quality of Life…Insurance Policyowner

DisabilityIncome Rider

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What AreYour options?

Add the Disability Income Rider to Your Policy

Pays you a portion of your income if you become totally disabled.

DependingupontheBenefitPeriodofcoverage you choose, an Elimination Period (of continuous days of disability) before benefits canbecomepayablewillapplyasfollows: Benefit Period Elimination Period 2Year 90Days 5Year 180Days

Plan Details: • Issueages18-55* • MinimumMonthlyBenefit-$500 • MaximumMonthlyBenefit*isthe lesserofthefollowingamounts: - $5,000 for the 2-year option, $3,500 for the 5-year option - $20 per $1,000 of life insurance purchased, rounded to the nearest $10, or -PercentageofGrossMonthly Income(seeagentfordetails)

This rider has exclusions and limitations. For costs and complete details of the coverage, talk to your agent.

* Issue ages 20-55 for AGLA ConsumerChoice Term®

Deplete Your SavingsAssuming10percentofincome is saved each year, it will take nearly 10 years to save one year’s worth of income.Doyouhaveenoughin savings to last during an extended disability?

Ask others for AssistanceItisunlikelythatacreditorwould lend money to a disabled incomeearner.Ifyouwereable to secure a loan, a lengthy disability could make it difficult to pay that loan back.

Sell Your AssetsAssumingamarketexists,forced liquidation of assets canreducetheirvalue.Asingledisabling event could consume the assets you’ve worked a lifetime to accumulate.

Rely on Spouse’s IncomeMost lifestyles today are built on dual incomes. Would your spouse’s income be enough to compensate for the loss of yours?

Collect Social Security Disability PaymentsNearly 53 percent of all SocialSecuritydisabilitybenefit claims were denied from1999to2008.

(Annual Statistical Report on Social Security Disability Insurance Program, 2009)

* The maximum amount of disability income available to purchase may be reduced byexistingpersonal,employer-providedand/orstatedisabilityincomecoverages.

9

What Else Should I Know?AGLA’sUniversalLifepoliciesareflexible-premium,adjustablelifeinsurancepoliciesthat accumulate cash value.

TheadvantageofaUniversalLifepolicyisitsflexibility.UniversalLifeisflexibleintwoprimaryways:Thedeathbenefitcanbeincreased(subjecttoinsurability)ordecreased without surrendering the policy or getting a new one, and premiums may be adjusted up or down (subject to policy restrictions), allowing policyowners to put more – or less – money into the policy as they see fit.

Why Universal Life?YouhavefourUniversalLifepoliciestochoosefromwhenpurchasingyourQualityofLife...Insurancepolicy.

• CashvaluesofUniversalLifepoliciescanberesponsivetochangingmarket interest rate environments, which may give opportunities for cash value appreciation.• UniversalLifepoliciescombinetax-freedeathbenefitsandtax-deferred accumulations of cash values.• UniversalLifepremiumsmaybeadjustedtobettermeetchangingbudgetneeds.• The ability to vary the death benefit makes the adjustable face amount feature a valuable benefit.

Death Benefit optionsAUniversalLifepolicytypicallyallowstheownertochoosebetweentwodifferentdeathbenefitoptions.AGLAreferstotheseasOptionA(Level)andOptionB(Increasing).Inaddition,theownercanchangethedeathbenefitoptionafterthefirst policy year.*

• option A: The death benefit remains level as the accumulation value grows.

• option B: The death benefit increases as the accumulation value grows.

Whichoptionisbestforyoudependsonyourindividualneedsandplans.AnAGLAagent can help you determine whether an increasing or level death benefit is right for you.

Universal LifeInsurance

Male,age40,StandardNon-Tobacco,$100,000AGLAchoice® Performer, $100ABCmonthlypremium,5.75%creditingrate

*Certainpolicylimitationsmayapply.

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Please note: AGLAchoice Performer, Provider, Protector and Accumulator are Universal Life plans. AGLA ConsumerChoice Term, AGLAFlex Term and AGLAchoice Whole Life policies do not offer the same benefits and features as Universal Life insurance.

However, each of these products does offer no-cost Accelerated Benefit Riders. Please consult your agent to see which Quality of Life...Insurance product is best for you.

Level: option A Increasing: option B

11

QualityofLife…Insurance®isChangingTheWayAmericansThinkAbout,PurchaseAndUseLifeInsurance.® How long will you wait before you take this vital step to protect your family’s future?

Take some time to speak with your representative today, while you are probably in good health and can qualify for this important coverage.

The quotes within this brochure are from focus group participants and our customers.Theircommentsaretheirown.Noactorswereused.Althougheachreceived modest compensation for time and travel, we hope the true measure of theirinvolvementwillberealizedbymanyAmericansandtheirbeneficiaries.

12

notes

“ I like that you have the combined benefits of life insurance, long term care, and disability insurance all in one with Quality of Life...Insurance. You don’t have to decide what coverage to buy or not buy – you’re taken care of if any one of these events happens, and you only need to deal with one company.” — Casey, Focus Group Participant

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Policy issued by:American General Life and Accident Insurance Company

For Policy Forms AGLA 05AHO, AGLA 08174, AGLA 08ALO, AGLA 09TRM, AGLA 08TRM and Riders AGLA ABR, AGLA 07CHP, AGLA 05AHA REV0308, AGLA 05AHC, AGLA 05AHB, AGLA 05AHG, AGLA 05AHP, AGLA 05AD2, AGLA 08MGP, AGLA EMD-DB, AGLA 04001, AGLA 05AD2, AGLA 20140-1, AGLA PW-A-NL, and state variations.

www.qualityoflifeinsurance.com

American General Center • Nashville, Tennessee 37250-0001

www.agla.com

The underwriting risks, financial and contractual obligations and support functions associated with products issued by

American General Life and Accident Insurance Company (AGLA) are its responsibility. AGLA does not solicit business in the states

of New York and Wyoming.

Policies may be subject to tax consequences when continued beyond the maturity date (Age 121). The policy may not qualify as life

insurance under Internal Revenue Code after age 100. Policy owners should consult a qualified tax advisor before electing this option.

The insurance company may contest the policy from the date of policy issue, a reinstatement or an increase in coverage, during a

period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material fact on the application

for such policy, reinstatement, or increase.

If an Insured Person dies by suicide within the suicide period provided by applicable law and described in the policy, the death benefit will

be limited as provided by the policy.

©2010 All rights reserved.

AGLA8532 QOL-SCH (1210)

"Life Insurance you don't have to die to use."