Guarantees are backed by the claims-paying ability of the issuing insurance company and are based on an optional income protection feature that is only available with the purchase of a Polaris Variable Annuity

and rising income for up to 12 years

Secure MORE INCOME with5% withdrawals for life

Income Plus®

Income Option 3: Age 65, Retiring now

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Guarantee more income for life with a Polaris Variable Annuity with Income Plus®

A Polaris Variable Annuity can help you build more assets for retirement through tax deferral, professional money management and diverse investment choices. Plus, by electing Income Plus Income Option 3 (Single Life), you’ll have the opportunity to guarantee more income with 5% withdrawals for life, while also ensuring rising income during the first 12 contract years.

Note: Polaris Variable Annuities are long-term investments designed for retirement purposes. In the Accumulation phase, they can help you build assets on a tax-deferred basis. In the Income phase, they can provide you with guaranteed income through standard or optional features. Variable annuities are subject to costs that include a separate account fee, a contract maintenance fee, expenses related to the operation of the variable portfolios and the costs associated with any optional features elected. The Income Plus optional feature is subject to additional fees, investment restrictions and other limitations. Guarantees are backed by the claims-paying ability of the issuing insurer. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract as well as the amount available upon a full surrender. Withdrawals of taxable amounts are subject to ordinary income tax, and if taken prior to age 59½, an additional 10% federal tax may apply. Investment involves risk, including the possible loss of principal. Your contract value when redeemed may be worth more or less than your original investment. If you fund your IRA or 401(k) with a variable annuity, you should realize that these retirement accounts are already tax-deferred. A variable annuity provides no additional tax-deferred benefit beyond that provided by the plan. You should only use a variable annuity in a tax-qualified plan if you want to benefit from features other than tax deferral. Please consult with your financial and tax advisors regarding your individual situation.

Now you can add more certainty to your retirement planIn today’s market, many investors are looking for more guarantees to help ensure their income will last throughout retirement.

Source: www.socialsecurity.gov, Fast Facts & Figures About Social Security, 2013 (Data as of 2011.)

Sources of Retirement Income

How much of your retirement income is protected?

Income That’s Guaranteed to Be There For Life

Social Security

36%

Savings, Investments

or Post-Retirement

Job 43%

Pension 18%

Other 3%

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Rising Income With a Partial Income Credit

MINUS6%

Income Credit5%

Withdrawal 1%

The Polaris Income PlusSM optional feature can provide investors with a Retirement Income Advantage in three different ways. Income Option 3 (Single Life) offers:

Guaranteed income that you won’t outliveAnnual withdrawals of 5% can begin as early as age 65 (Single Life) and will last for as long as you live, no matter how the market performs. Alternatively, the Joint Life option offers 4.5% lifetime withdrawals for two people (spouses).

Rising income during the first 12 contract years, even in a down market and after withdrawals begin

Note: With Income Option 3 (Single Life), certain investment requirements apply. 5% lifetime withdrawals are only available with Income Option 3 (Single Life). Other income options are available with different withdrawal parameters. The opportunity for rising income ends if the contract value is completely depleted. There is no assurance that withdrawal amounts will keep pace with inflation. In a strong market, you may pay for this optional income protection feature and not need to use it. Guarantees are backed by the claims-paying ability of the issuing insurer. Please see Key Terms and Definitions for more information about the investment requirements and how Polaris Income Plus Income Option 3 works.

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2

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Income Plus is one of the few optional income benefits that offers a partial income credit when withdrawals are taken. Income Plus can ensure growth of your Income Base during the first 12 contract years by locking in the greater of investment gains or an annual income credit of up to 6% on each contract anniversary. If withdrawals are taken within the feature’s parameters, the annual income credit is simply reduced by the percentage of the Income Base withdrawn. After 12 years, your income can continue to rise from investment gains on contract anniversaries, provided contract value remains.

An Income Base that can DOUBLE after 12 yearsIf you decide not to take any withdrawals during the first 12 contract years, your Income Base is guaranteed to be at least 200% of your eligible first-year purchase payments on the 12th contract anniversary (the “Minimum Income Base”), regardless of market performance.

Income Credit for Rising Income

Hypothetical Illustration: 65-Year-Old Investor, Income Option 3 (Single Life)

Combine guaranteed rising income with

5% lifetime withdrawals

Polaris Variable Annuities are issued by American General Life Insurance Company except in New York, where they are issued by The United States Life Insurance Company in the City of New York.

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Guarantee rising income during the first 12 contract years—even when the market is down.*

Lock in market gains for future income.

This hypothetical illustration is not to scale. The blue bars above represent the dollar amount of income received each year. The chart is intended solely to depict how a Polaris Variable Annuity with Income Plus Income Option 3 (Single Life) might work and does not reflect the performance of any specific investment. To realize the benefits of this feature, you must take withdrawals according to the parameters of the income option selected.

* To receive guaranteed benefits, withdrawals must be taken within the feature’s parameters. The opportunity for rising income ends if the contract value is completely depleted.

Begin LIFETIME WITHDRAWALS Immediately and Still Ensure Rising Income for 12 Years

Hypothetical Illustration: 65-Year-Old Investor, Income Option 3 (Single Life)

Your income can only go up, not down

5% withdrawals begin at age 65

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 AGE

5% ANNUAL WITHDRAWALS FOR LIFE

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 AGE

Guarantee 5% withdrawals for life regardless of market performance.*

Contract Value Income Base Investment Gains Income Credit

Combine guaranteed rising income with

5% lifetime withdrawals

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AGE

Key Terms and Definitions

• Age: When determining the withdrawal percentages for this feature, the age at the time of first withdrawal is based on the age of the older individual if the contract is jointly owned for the Single Life option, or the age of the younger individual for the Joint Life option.

• Anniversary Value: The contract value on your contract anniversary (including any spousal continuation contributions), less ineligible purchase payments.

• Cancellation: Income Plus may be cancelled on the 5th contract anniversary or any contract quarter anniversary after this date. Once the cancellation becomes effective, the associated fee will no longer be charged. This feature cannot be re-elected following cancellation.

• Eligible Purchase Payments: Purchase payments received in the first contract year; all other purchase payments are ineligible. Income credits and spousal continuation contributions are not included in the calculation of eligible purchase payments.

• Excess Withdrawals: Withdrawals that exceed the Maximum Annual Withdrawal Amount are considered “excess withdrawals” and will reduce the Income Base and Income Credit Base in the same proportion by which the contract value is reduced by the excess withdrawal. If an excess withdrawal reduces the contract value to zero, the feature will terminate and you will no longer be eligible to take withdrawals or receive lifetime income payments.

• Income Base: The amount on which guaranteed withdrawals are based. The Income Base is not a liquidation value, nor is it available as a lump sum. The Income Base is initially equal to the first eligible purchase payment. On each contract anniversary, the Income Base is set to equal the greater of (a) the anniversary value, if greater than all previous anniversary values or (b) the current Income Base plus the income credit amount (if eligible) during the income credit period. The Income Base is automatically evaluated on contract anniversaries while the contract value is greater than zero and the feature is still in effect, provided you have not reached the Latest Annuity Date. On the 12th contract anniversary, the Income Base may be increased to the Minimum Income Base (200% of eligible first-year purchase payments) if no withdrawals have been taken from the contract. The Income Base is adjusted for excess withdrawals and is increased each time an eligible purchase payment is made.

• Income Credit: The amount that may be added to your Income Base in each of the contract’s first 12 years. The annual income credit is 6% of the Income Credit Base in years that no withdrawals are taken. The annual income credit will be reduced by the percentage of the Income Base withdrawn in years that withdrawals are taken. An income credit is not available in years an excess withdrawal is taken. When withdrawals are taken that reduce the available income credit, future income may be lower than if a full income credit were received.

• Income Credit Base: A component of the feature that is used to calculate the income credit. Initially, the Income Credit Base is equal to the first eligible purchase payment. If the Income Base steps up to your anniversary value on a contract anniversary, your Income Credit Base will also step up to this amount. The Income Credit Base is not increased if your Income Base rises due to the addition of the income credit. The Income Credit Base is adjusted for excess withdrawals and is increased each time an eligible purchase payment is made.

• Income Credit Period: The period of time over which an income credit may be added to the Income Base. It begins on the contract issue date and ends 12 years later.

• Investment Requirements: With Income Option 3, investment requirements apply, including a 20% allocation of the initial and additional purchase payments to the Secure Value Account (SVA), a fixed account with a one-year term. The remainder of your purchase payments may be allocated among portfolios that meet the feature’s investment requirements. Quarterly automatic asset rebalancing is required. Amounts allocated to the Secure Value Account will not be rebalanced and are not available for transfer as long as the feature is in effect. Please see the prospectus for complete details regarding the investment requirements.

• Issue Age: Income Plus is available at contract issue to investors aged 45-80. Maximum issue age may be lower. Please check with your financial advisor and see the prospectus for complete details.

• Latest Annuity Date: If the contract value and the Income Base are greater than zero on the Latest Annuity Date (95th birthday), you will need to select one of these annuity options: 1) Annuitize the contract value under the contract’s annuity provisions. 2) Annuitize the contract and receive payments equal to the MAWA at the Latest Annuity Date for a fixed period. The duration of the fixed period will be determined by dividing the contract value at the Latest Annuity Date by the current MAWA. As long as the covered person(s) is living, this amount will continue for the specified period after which time the protected income payment amount will be paid until the death(s) of the covered person(s). 3) Elect any payment option that is mutually agreeable between you and the issuing insurance company. Please note that upon annuitization, the death benefit will no longer apply. See a prospectus for details.

• Maximum Annual Withdrawal Amount (MAWA): The maximum income you can take each year. The MAWA percentage for Income Option 3 is: • 5% of the Income Base for the Single Life option (one covered individual), or 4% if withdrawals start before age 65. • 4.5% of the Income Base for the Joint Life option (two covered individuals), or 3.5% if withdrawals start before age 65. If your contract value is completely depleted due to market volatility and/or withdrawals taken within the feature’s parameters, the annual amount of lifetime income will not change. Annual income paid to you after this point is known as the protected income payment.

• Protection Based Pricing: The pricing structure that is used to calculate the fee after the first year. The initial fee rate (1.10% of the Income Base for Single Life option; 1.35% for the Joint Life option) is guaranteed for one year. After the first year, the fee rate will change based on a predetermined, non-discretionary formula tied to the change in the Volatility Index (“VIX®”), an index of market volatility reported by the Chicago Board Options Exchange. The maximum annualized fee rate decrease or increase is 0.25% each quarter. This means the fee rate can decrease or increase by no more than 0.0625% each quarter (0.25%/4). The minimum fee rate for the life of the contract is 0.60% of the Income Base. The maximum fee rate for the life of the contract is 2.20% (Single Life) and 2.70% (Joint Life) of the Income Base. Fees are deducted from the contract value quarterly. Please see the prospectus for details on how the fee is calculated. Note: This feature does not provide an option to “opt out” of a fee change. However, the feature may be cancelled as described above.

• Tax-Qualified Plan: A plan that meets the requirements of the Internal Revenue Code and is therefore eligible to receive certain tax benefits. IRAs and 401(k)s are examples of tax-qualified plans. If you use this contract to fund a tax-qualified plan and plan on taking Required Minimum Distributions (RMDs), please see the prospectus for more information and consult with a tax advisor concerning your particular circumstances. Income Plus may not be appropriate for use with contributory IRAs or other tax-qualified plans if you plan to make ongoing contributions.

For complete details regarding Income Plus, please see a prospectus.

Hypothetical Illustration: 65-Year-Old Investor, Income Option 3 (Single Life)

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Polaris Variable Annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. Please contact your insurance-licensed financial advisor or call 1-800-445-7862 to obtain a prospectus. Please read the prospectus carefully before investing.S&P® and Standard & Poor’s® are trademarks of Standard & Poor’s and have been licensed for use by American General Life Insurance Company and The United States Life Insurance Company in the City of New York. CBOE Volatility Index and VIX® are trademarks of the Chicago Board Options Exchange, Incorporated (“CBOE”) and have been licensed for use by Standard & Poor’s. Polaris Variable Annuities are not sponsored, endorsed, sold or promoted by Standard & Poor’s or the CBOE and neither Standard & Poor’s nor the CBOE make any representation regarding the advisability of investing in a Polaris Variable Annuity.

This material was prepared to support the marketing of Polaris Variable Annuities. Please keep in mind that American General Life Insurance Company, The United States Life Insurance Company in the City of New York, and their distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Please seek the advice of an independent tax advisor or attorney for more complete information concerning your particular circumstances and tax statements made in this material.

An investment in Polaris involves investment risk, including possible loss of principal. The contract, when redeemed, may be worth more or less than the total amount invested. The purchase of Polaris is not required for, and is not a term of, the provision of any banking service or activity. Products and features may vary by state and may not be available in all states. We reserve the right to modify or no longer offer the features described in this brochure. However, once your contract is issued, these features will not change, except as described here and in the prospectus.

All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representation or guarantees regarding the claims-paying ability of the issuing insurance company.

Polaris Variable Annuities, form numbers AS-992C (12/10) and AS-993 (12/10), are issued by American General Life Insurance Company (AGL). In New York, Polaris Variable Annuities, form numbers FS-993-PPIII (12/10), FS-993 (12/10) and FS-993-PPS4/PPS7 (12/10), are issued by The United States Life Insurance Company in the City of New York (US Life). Distributed by AIG Capital Services, Inc. (ACS), Member FINRA, 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997, 1-800-445-7862. AGL, US Life and ACS are members of American International Group, Inc. (AIG).

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Not FDIC or NCUA/NCUSIF Insured

May Lose Value • No Bank or Credit Union Guarantee Not a Deposit • Not Insured by any Federal Government Agency

1-800-445-7862www.aig.com/annuities

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