Accumulate cash value with managed volatility 通过受控波动性积累现金价值
This policy provides three crediting strategies linked to proprietary indices designed for controlled volatility. Premiums can be allocated to one, two or all three strategies, plus the S&P 500 index strategy as well as the fixed rate crediting strategy. 该政策提供了三种与专为受控波动性而设计的专有指数挂钩的信贷策略。溢价可以分配给一种、两种或全部三种策略，以及标准普尔 500 指数策略以及固定利率派发策略。
Secure living benefits you can use in your lifetime 保障您一生可使用的保障生活福利
Built-in and optional riders offer benefits to help cover qualifying chronic, critical and terminal illnesses. 内置和可选附加险提供福利，帮助承保符合条件的慢性病、危重病和绝症。
Access your cash value with flexible choices 灵活选择 取现现金价值
You can access available cash value via loans or withdrawals ^(1){ }^{1} to meet financial needs of any kind. 您可以通过贷款或提款来获得可用的现金价值 ^(1){ }^{1} ，以满足任何类型的财务需求。
Get coverage that may not require a medical exam 获得可能不需要体检的保险
Can be approved and issued without traditional underwriting or medical exams through our Agile Underwriting+ program. Applicants must be ages 18-59 and applying for $2 million or less in coverage. 可以通过我们的 Agile Underwriting+ 计划获得批准和签发，无需传统的核保或体检。申请人必须年龄在 18-59 岁之间，并且申请的保险金额不得超过 200 万美元。
Purchase more coverage at a discount 以折扣价购买更多保险
QoL Advantage Program gives you the option of buying additional term life coverage at a discounted premium and uses the Agile Underwriting+ process. QoL Advantage 计划让您可以选择以折扣保费购买额外的定期人寿保险，并使用 Agile Underwriting+ 流程。
For guaranteed elements and other important information, please see the Basic Illustration 有关保证要素和其他重要信息，请参见基本图示
YOUR POLICY HIGHLIGHTS 您的政策亮点
Client Name: Female 36 客户名称： 女 36
Sex: Female Age: 36 CA 性别： 女 年龄： 36 CA
Underwriting Class: Preferred Non-Tobacco 核保类别：首选非烟草
Initial Death Benefit: $5,536,597; Level through year 95 初始死亡抚恤金：5,536,597 美元;95 年级
Index Allocation: 指数分配：
Initial Planned Premium: $50,000.00 for 10 Years 初始计划保费：50,000.00 美元，为期 10 年
Blend Participation Rate Acct (Utilizing ML Strategic Balanced Index): 100.00% 混合参与率账户（利用 ML 战略平衡指数）：100.00%
By paying my illustrated premiums, this policy helps me take action to protect myself from… 通过支付我的说明保费，这项保单可以帮助我采取行动保护自己免受......
If I desire to surrender my policy, my illustrated non-guaranteed 如果我想退保，我的说明非保证
Cash Surrender Values are: 现金退保价值为：
At Age 65: $1,095,491 2 65 岁时：1,095,491 美元 2
At Age 100:$1,886,765 2 100 岁时：1,886,765 美元 2
Supplemental Illustration 补充插图
For guaranteed elements and other important information, please see the Basic Illustration 有关保证要素和其他重要信息，请参见基本图示
YOUR POLICY HIGHLIGHTS (continued) 您的政策亮点（续）
Accelerated Benefit Riders Living Benefits from Life Insurance
Your policy has built-in riders that provide accelerated benefits, also known as “living benefits”, which provide you the option to receive a portion of the policy death benefit early - while the Insured is still alive - in the event the Insured has a qualifying critical, chronic, or terminal illness. 您的保单具有提供加速福利的内置附加险，也称为“生前福利”，如果被保险人患有符合条件的危重、慢性或绝症，您可以选择在被保险人还活着时提前获得部分保单身故抚恤金。
How Do the Riders Work? 骑手如何运作？
These riders are automatically attached to your policy at no additional premium. However, the actual benefit will not be known until the actual time of claim. You can choose to accept or reject any benefit payment offer at that time. The benefit amount will be less than the portion of the death benefit you elect to accelerate because it is subject to the following deductions: 这些附加险会自动附加到您的保单中，无需额外保费。但是，实际利益要等到实际索赔时间才能知道。您可以选择在那时接受或拒绝任何福利支付提议。赔偿金额将少于您选择加速的死亡抚恤金部分，因为它需要扣除以下费用：
-An actuarial discount since the death benefit is being paid prior to death*, - 精算折扣，因为死亡抚恤金是在死亡前支付的*，
-An administrative charge, and, - 行政费用，以及
-If applicable, payment of any unpaid but due policy premiums and payment of a pro rata amount of policy loans. - 如果适用，支付任何未付但到期的保单保费并按比例支付保单贷款。
As a result of these deductions, the benefit amount will in all cases be less than the death benefit you elect to accelerate and may be substantially less but not less than the applicable minimum accelerated benefit amount under the rider. 由于这些扣除，赔偿金额在所有情况下都将低于您选择加速支付的身故赔偿金，并且可能大大低于但不低于附加条款下适用的最低加速赔偿金额。
Minimum Accelerated Benefit Amount 最低加速福利金额
The benefit amount will never be less than the pro rata portion of the cash surrender value, if any, that corresponds to the death benefit you elect to accelerate. 赔偿金额绝不会少于现金退保价值（如有）中与您选择加速支付的身故赔偿金相对应的按比例部分。
Potential Benefit Amounts 潜在权益金额
The following are examples of potential benefit amounts at selected ages, based on non-guaranteed values. Each row shows the Death Benefit that may be accelerated at the selected age and the range of potential benefit amounts after the death benefit that you elect to accelerate is reduced for the applicable actuarial discount and other deductions. The amounts shown are based on the non-guaranteed policy values and death benefits shown in the Basic Illustration which are not guaranteed. 以下是根据非保证价值在选定年龄的潜在利益金额示例。每一行显示可在所选年龄加速的身故赔偿，以及您选择加速支付的身故赔偿减去适用的精算折扣和其他扣除后的潜在赔偿金额范围。所示金额以基本说明内之非保证保单价值及身故赔偿为基础，并非保证。
Range of Potential Accelerated Benefit Amounts* 潜在加速保障金额范围*
Age at Benefit Payment Date 福利支付日年龄
Death Benefit That May Be Accelerated* 可加速支付的身故赔偿*
Chronic Illness OR Critical Illness Other than Invasive Cancer 慢性疾病或浸润性癌症以外的危重疾病
Critical Illness - Invasive Cancer 危疾 - 浸润性癌症
Terminal Illness 绝症
51
$2,000,000
$180,921 - $1,411,542
$180,921 - $1,466,797
$1,828,378
65
$2,000,000
$399,908 - $1,438,022
$417,483 - $1,496,115
$1,842,617
75
$2,000,000
$281,497 - $1,024,769
$281,497 - $1,088,782
$1,436,865
Range of Potential Accelerated Benefit Amounts*
Age at Benefit Payment Date Death Benefit That May Be Accelerated* Chronic Illness OR Critical Illness Other than Invasive Cancer Critical Illness - Invasive Cancer Terminal Illness
51 $2,000,000 $180,921 - $1,411,542 $180,921 - $1,466,797 $1,828,378
65 $2,000,000 $399,908 - $1,438,022 $417,483 - $1,496,115 $1,842,617
75 $2,000,000 $281,497 - $1,024,769 $281,497 - $1,088,782 $1,436,865| | | Range of Potential Accelerated Benefit Amounts* | | |
| :---: | :---: | :---: | :---: | :---: |
| Age at Benefit Payment Date | Death Benefit That May Be Accelerated* | Chronic Illness OR Critical Illness Other than Invasive Cancer | Critical Illness - Invasive Cancer | Terminal Illness |
| 51 | $2,000,000 | $180,921 - $1,411,542 | $180,921 - $1,466,797 | $1,828,378 |
| 65 | $2,000,000 | $399,908 - $1,438,022 | $417,483 - $1,496,115 | $1,842,617 |
| 75 | $2,000,000 | $281,497 - $1,024,769 | $281,497 - $1,088,782 | $1,436,865 |
Effect of Benefit Payment 福利支付的影响
If you elect to accept an offer to receive an accelerated benefit, then upon payment of the accelerated benefit amount, the death benefit under the policy is reduced by the full amount of the death benefit you elect to accelerate. Other policy values including the policy coverage amount, accumulation value, policy loan, and cash surrender value are reduced in the same proportion as the reduction in death benefit. 如果您选择接受加速赔偿的提议，那么在支付加速赔偿金额后，保单下的身故赔偿将减去您选择加速支付的身故赔偿的全部金额。其他保单价值，包括保单保障金额、累积价值、保单贷款及现金退保价值，其减少比例与身故赔偿减少的比例相同。
The actuarial discount is calculated, in part, based on an assumed interest rate and the Company’s assessment of the expected future mortality of the insured in light of the insured’s qualifying chronic, critical, or terminal illness. The interest rate assumed in the hypothetical examples shown is 7%7 \%. The underlying assumptions used to calculate the actuarial discount are not guaranteed and may be changed by the Company at any time. Actual payouts may be more or less favorable than those shown above. Under certain circumstances where an insured’s expected mortality (the Company’s expectation of the insured’s life expectancy) is not significantly changed by a qualifying illness from what it was when the coverage was issued, the accelerated benefit may be zero. 精算折扣部分是根据假设的利率和公司根据被保险人的合格慢性、危重或绝症对被保险人预期未来死亡率的评估计算的。所示假设示例中假设的利率为 7%7 \% 。用于计算精算折扣的基本假设不受保证，公司可能随时更改。实际支付可能比上面显示的更有利或更差。在某些情况下，如果被保险人的预期死亡率（公司对被保险人预期寿命的预期）与承保时相比没有因符合条件的疾病而发生显著变化，则加速福利可能为零。
Assumes the use of withdrawals to basis and/or policy loans. Policy must comply with IRS requirements to qualify as a life insurance contract. Total premiums in the policy cannot exceed funding limitations under IRC section 7702 . Withdrawals taken during the first 15 years of the contract may be treated as income first and includible in your income. If the policy is classified as a modified endowment contract (see IRC section 7702 A ), withdrawals or loans are subject to regular income tax and an additional 10%10 \% tax penalty may apply if taken prior to age 591//2591 / 2. Distributions will reduce policy values and may reduce benefits, availability of policy loans and withdrawals depend on multiple factors including but not limited to policy terms and conditions, performance, and fees or expenses. 假设使用提款来偿还基础和/或保单贷款。保单必须符合 IRS 要求才有资格成为人寿保险合同。保单中的总保费不能超过 IRC 第 7702 节规定的资金限制。在合同的前 15 年内提款可能首先被视为收入，并包含在您的收入中。如果保单被归类为修改后的储蓄保险合同（参见 IRC 第 7702 A 节），提款或贷款需缴纳常规所得税，如果在年龄 591//2591 / 2 之前领取，则可能需要缴纳额外的 10%10 \% 税款。分配将降低保单价值并可能减少利益，保单贷款和提款的可用性取决于多种因素，包括但不限于保单条款和条件、绩效以及费用或开支。
^(1){ }^{1} Based on current tax laws. Death Benefit may not always qualify as tax-free. See the Tax and Compliance section in the Basic Illustration. ^(1){ }^{1} 基于现行税法。身故赔偿可能并不总是符合免税条件。请参阅基本图中的 Tax and Compliance 部分。 ^(2){ }^{2} Based on current non-guaranteed charges and illustration assumptions. This Supplemental Illustration contains non-guaranteed elements. The values and benefits shown are not guaranteed and assume that our current scale for interest credited, cost of insurance, and expense charges will remain unchanged for the years shown; this is not likely to occur. The assumptions on which they are based are subject to change by American General Life Insurance Company and the actual results may be more or less favorable. ^(2){ }^{2} 根据当前非保证费用和说明假设。本补充说明包含非保证要素。所示的价值和福利并非保证，并假设我们目前的贷方利息、保险成本和费用标准在所示年份将保持不变;这不太可能发生。美国通用人寿保险公司 （American General Life Insurance Company） 可能会更改它们所基于的假设，实际结果可能或多或少有利。 ^(3){ }^{3} The actual benefit amount will be determined at the time of claim and will be subject to underwriting requirements, an actuarial discount, and all limitations and other terms of the applicable rider. The underlying assumptions used to calculate the actuarial discount applicable to accelerated benefit payouts are not guaranteed and may be changed at any time. Actual payouts may be more or less favorable. Please refer to your rider(s) for complete details. ^(3){ }^{3} 实际福利金额将在索赔时确定，并将受承保要求、精算折扣以及适用附加险的所有限制和其他条款的约束。用于计算适用于加速福利支付的精算折扣的基本假设不受保证，并且可能随时更改。实际支付可能或多或少有利。请咨询您的骑手了解完整详情。 ^(4){ }^{4} Includes cumulative income from loans and withdrawals or from the Income for Life Rider (if elected). See the Tabular Detail and Income for Life Rider section in the Basic illustration. ^(4){ }^{4} 包括来自贷款和取款或 Income for Life Rider（如果选择）的累积收入。请参阅基本插图中的表格详细信息和 Life Rider 收入部分。 ^(5){ }^{5} Under some circumstances, policy loans and withdrawals are taxable. Refer to the Loans and Withdrawals in the Key Terms and Definitions section of the Basic illustration and the Policy Loans, Withdrawals, Surrenders and Specified Amount Reductions in the Tax and Compliance section of the Basic Illustration. ^(5){ }^{5} 在某些情况下，保单贷款和提款需要纳税。请参阅基本说明中关键术语和定义部分的贷款和提取，以及基本说明中税收和合规性部分的保单贷款、提取、退保和指定金额减免。 ^(6){ }^{6} See Rider for complete definition of illnesses. Benefits available upon policy issue. Waiting period applicable in CA, ND, SC, SD and FL. See Rider for details. ^(6){ }^{6} 有关疾病的完整定义，请参阅 Rider。保单签发时可获得的福利。等待期适用于加利福尼亚州、北达科他州、南卡罗来纳州、南卡罗来纳州和佛罗里达州。有关详细信息，请参阅 Rider。 ^(7){ }^{7} Only applicable to qualifying chronic, critical, and terminal illnesses. See Basic Illustration and applicable riders for details. ^(7){ }^{7} 仅适用于符合条件的慢性、危重和绝症。有关详细信息，请参阅基本插图和适用的附加条款。 ^(8){ }^{8} Please refer to the next page for more details on the range of potential non-guaranteed accelerated death benefits under your accelerated benefit riders. ^(8){ }^{8} 请参阅下一页，了解有关您的加速福利附加险下潜在的非保证加速身故赔偿范围的更多详细信息。
