Terms of Use

Annuities issued by:
American General Life Insurance Company of Delaware
405 King Street, Wilmington, DE 19801

The United States Life Insurance Company in the City of New York
One World Financial Center, 200 Liberty Street, New York, NY 10281

These product specifications are not intended to be all inclusive product information. Please refer to the annuity contract for complete details.

The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by American General Life Insurance Company of Delaware (“AGLDE”) The United States Life Insurance Company in the City of New York (“USL”) are the issuing insurer’s responsibility. Guarantees are subject to the claims-paying ability of the issuing insurer.

Annuities are for long-term savings and you should consider that they typically include limitations, exclusions and withdrawal charges. Withdrawals may be subject to Federal and/ or State income taxes. A 10% Federal penalty tax may apply if you make withdrawals or surrender your annuity before age 59-1/2. Beginning January 1, 2013, annuity income may be subject to an additional tax of 3.8% under specific factual situations. Withdrawals under the deferred annuity are subject to an 8-year decreasing surrender charge. Annuities are not employer-sponsored pension plans. Consult your own tax and legal advisor regarding your specific situation. American General Life Insurance Company and its affiliates do not give legal or tax advice.

Fixed annuities offer tax deferral of interest earnings during the accumulation period and are guaranteed by the issuing insurance company, whereas interest income from CDs is reportable and taxable as it is earned, but they are guaranteed by the FDIC. As with any long-term investment, annuities typically impose a schedule of preset early withdrawal charges (though a portion of the annuity may be available penalty-free each year). CDs are generally for more short-term use and have preset early withdrawal penalties on any amounts accessed prior to end of the term; a CD’s withdrawal penalties renew each time the CD is renewed.

AGLDE does not solicit business in the state of New York. USL is licensed to do business in the state of New York. Annuities and riders may vary by state and are not available in all states.

American Bar Insurance Plans Consultants, Inc. is not a trademark of American General Life Companies (AGLC). AGLC, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers, including AGLDE and USL. American Bar Insurance Plans Consultants, Inc. (ABI) is a separate and unrelated entity. ABI is a wholly-owned, taxable subsidiary of the American Bar Endowment. The American Bar Endowment is a public charity that supports research, public service, and educational projects in the field of law.

NOT FDIC-INSURED | MAY LOSE VALUE | NOT A DEPOSIT | NO BANK GUARANTEE | NOT INSURED BY ANY FEDERAL AGENCY

© 2011
AGLC105319