Advertising Disclosures

Applicable to all Corebridge Direct advertising:

Agency services provided by Corebridge Direct Insurance Services, Inc. ("Corebridge Direct"), CA license #0B57619 and AR license #0100105378, a subsidiary of American General Life Insurance Company (AGL) Houston TX, and an affiliate of The United States Life Insurance Company in the City of New York (US Life). Corebridge Direct also offers policies from unaffiliated carriers. Each issuing insurance company is responsible for financial obligations of their respective insurance. Guarantees are backed by the claims paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. AGL does not solicit, issue, or deliver policies in New York.

This material is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting, or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Please consult with your financial professional regarding your situation. For legal, accounting, or tax advice consult the appropriate professional.

For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax, or accounting advice. For advice concerning your individual circumstances, consult your professional attorney, tax advisor, or accountant.

Notice to California Residents Age 65 or Older:

In the process of evaluating the purchase of any life insurance or annuity product, you should understand that the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity, or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties resulting from their sale or liquidation. Prior to purchasing the new life insurance or annuity product, consult with the appropriate legal or financial professional.

Endorsements/Testimonials:

The endorsements/testimonials presented should not be construed as a recommendation to purchase or an indication of the value of any product or service. The testimonials are provided by actual Corebridge Direct customers who are not affiliated with Corebridge Direct and who were not provided compensation.

Highly- Rated Insurance Carriers:

Every life insurance company that Corebridge Direct represents has been rated A- to A+ by A.M. Best for financial strength, which means they have earned one of four of the highest ratings out of 13. A.M. Best is an independent rating organization that assigns ratings measuring financial strength or claims-paying abilities with ratings from A++ (Superior) to F (in Liquidation). They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. These ratings are current as of 03/21/2022. Each company's policies have their own terms, exclusions, limitations, and reductions for keeping them in force.

Ratings are not a guarantee of future financial strength or future claims-paying ability. While ratings can be objective indicators of an insurance company's financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees of the future financial strength and/or claims-paying ability of a company and do not apply to any underlying variable portfolios. The insurance agency from which an insurance policy is purchased and any affiliates thereof make no representations regarding the quality of the analysis conducted by the rating agencies. The rating agencies are not affiliated with the above- mentioned entities, nor are these entities involved in any rating agency's analysis of the insurance companies.

• American General Life Insurance Company - A.M. Best Rating: A
• United States Life Insurance Company in the City of New York - A.M. Best Rating: A
• Gerber Life Insurance Company - A.M. Best Rating: A
• Globe Life and Accident Insurance Company - A.M. Best Rating: A
• Prudential Life Insurance Companies - A.M. Best Rating: A+
• Transamerica Life Insurance Companies - A.M. Best Rating: A
• Mutual of Omaha Insurance Company - A.M. Best Rating: A+

USA PATRIOT ACT:

This notice is printed in compliance with Section 326 of the USA Patriot Act IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR AN INSURANCE POLICY OR ANNUITY CONTRACT.

To help the government fight the funding of terrorism and money laundering activities, federal law required all financial institutions, including insurance companies, to obtain, verify, and record information that identifies each person who opens an account, including an application for an insurance policy or annuity contract. What this means for you: When you apply for an insurance policy or annuity contract, we will ask your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or identifying document.

Applicable to advertisements referencing products of The United States Life Insurance Company in the City of New York (US Life):

For the US Life products discussed below, rates are current as of the date each advertisement is placed and most recently confirmed as of 2/17/2023. Rates are subject to change.

Term Life Insurance: Advertised Rate Examples for a 35, 40, 45, 50-year-old person having a $250,000, $500,000, $750,000 or $1,000,000 are for 10-year, 15-year or 20-year term life insurance policy are based on the policy information below. Rates are for Preferred Plus Rate. Not all will qualify for Preferred Plus Rate.

Policies issued by The United States Life Insurance Company in the City of New York. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. Please refer to your policy.

Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years.

The United States Life Insurance Company, Select-a-Term Rates

rates effective 2-17-2023 are subject to change

Savings up to 50%:

Comparison based on monthly premium rates as of 2/17/2023 for a 10-year level term policy, for face amounts of $500,000 issued by the United States Life Insurance Company at its best published rates for a male, age 35, non-smoker

Savings up to 45%:

Comparison based on monthly premium rates as of 2/17/2023 for a 10-year level term policy, for face amounts of $1,100,00 issued by the United States Life Insurance Company at its best published rates for a female, age 30, non-smoker

Applicable to advertisements referencing Term Life Insurance products of the American General Life Insurance Company:

For the AGL products discussed below, rates are current as of the date each advertisement is placed and most recently confirmed as of 07/26/2024.

AGL does not solicit, issue or deliver policies in New York. Products may not be available in all states and features may vary by state. For information on policies available in New York, please refer to the information above for US Life.

Term Life Insurance: Advertised Rate Examples for a 35, 40, 45, 50-year-old person having a $250,000, $500,000, $750,000 or $1,000,000 are for 10-year, 15-year or 20-year term life insurance policy are based on the policy information below. Not all will qualify for Preferred Plus Rate.

Policies issued by American General Life Insurance Company (AGL), Houston. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. Please refer to your policy.

Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if renewed. Death benefit remains level. The policy may be contested for two years from date of issue for material misstatements or omissions on the application. Policy is limited to return of premium paid in the event of suicide within first two years.

American General Life Insurance Company, Select-a-Term Rates

rates effective 07-26-2024 are subject to change

Savings up to 58%:

Comparison based on monthly premium rates as of 07/26/2024 for a 10-year level term policy, for face amounts of $1,100,000 issued by American General Life Insurance Company at its best published rates for a female, age 30, non-smoker

Guaranteed Issue Whole Life Disclosures

For Whole Life policies, coverage is subject to underwriting.
Important Information Regarding Graded Death Benefits: The AGL GIWL policy referenced offers a limited death benefit in the first two years of the policy. Should death occur in the first two years, a death benefit will be equal to 110% of the premiums paid. In the event of suicide, the death benefit is limited to a refund of premiums only.

Important consumer disclosures regarding Accelerated Benefit Riders

Disclosures applicable to:

• Critical Illness Accelerated Death Benefit Rider
• Chronic Illness Accelerated Death Benefit Rider
• Terminal Illness Accelerated Death Benefit Rider

1. When filing a claim for Qualifying Critical Illness under a Critical Illness Accelerated Death Benefit Rider, for Qualifying Chronic Illness under a Chronic Illness Accelerated Death Benefit Rider or for Qualifying Terminal Illness under a Terminal Illness Accelerated Death Benefit Rider, the claimant must provide to the Company a completed claim form and then-current Certification which must be received at its Administrative Center.
2. If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Critical Illness Accelerated Benefit Amount as to the occurrence of the Qualifying Critical Illness in question. To make such an election, the Owner must complete an election form and return it to AGL within the Election Period set forth in the rider (i.e., within 60 days of the owner’s receipt of the election form).
   The Company will not provide a later opportunity to elect a Critical Illness Accelerated Benefit Amount under a Policy as to the same occurrence of a Qualifying Critical Illness.
3. If a benefit under the Chronic Illness Accelerated Death Benefit Rider or under the Terminal Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with an opportunity to elect a Chronic Illness Accelerated Benefit Amount as to the Qualifying Chronic Illness in question or to elect a Terminal Illness Accelerated Death Benefit Amount as to the Qualifying Terminal Illness in question, as applicable. To make an election, the Owner must complete an election form and return it to AGL within 60 days of the Owner’s receipt of the election form.
4. Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness or a Qualifying Chronic Illness and, notwithstanding the Minimum Accelerated Benefit Amount provision, the accelerated benefit may be zero.
5. See your policy for applicable requirements concerning claim and election forms for accelerated death benefits.
6. Benefits payable are intended to receive favorable tax treatment under IRC Section 101(g); however, under certain circumstances, the benefits payable may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material.
7. Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness. The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance.
8. The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $2,000,000.
9. See your policy for details.

   NOT Long-Term Care Insurance

   This is a life insurance benefit that also gives you the option to accelerate some or all of the death benefit in the event that you meet the criteria for a qualifying event described in the policy. This policy or certificate does not provide long-term care insurance subject to California long-term care insurance law. This policy or certificate is not a California Partnership for Long-Term Care program policy. This policy or certificate is not a Medicare supplement policy.

   An accelerated death benefit such as the Chronic Illness Accelerated Benefit Rider and long-term care insurance provide very different kinds of benefits:

   An accelerated death benefit is a rider to or other provision in a life insurance policy that permits the policy owner to accelerate some or potentially all ofthe death benefit of a life insurance policy if the insured meets the definition of having a chronic illness as defined in the rider or policy provision. Acceleration of death benefits and payments under such an accelerated death benefit will reduce the death benefit of the policy and reduce other policy values as well, potentially to zero. If the entirety of the insurance amount is accelerated, the policy terminates.

   A Long Term Care insurance policy is any insurance policy, certificate, or rider providing coverage for diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services that are provided in a setting other than an acute care unit of a hospital. Long-term care insurance includes all products containing any of the following benefit types: coverage for institutional care including care in a nursing home, convalescent facility, extended care facility, custodial care facility, skilled nursing facility, or personal care home; home care coverage including home health care, personal care, homemaker services, hospice, or respite care; or community-based coverage including adult day care, hospice, or respite care. Some ABRs and all LTCI are conditioned upon the insured not being able to perform two or more of the activities of daily living or being cognitively impaired. The activities of daily living are bathing, continence, dressing, eating, toileting, and transferring. Long-term care insurance includes disability based long-term care policies but does not include insurance designed primarily to provide Medicare supplement or major medical expense coverage.

   If you are interested in long-term care, nursing home or home care insurance, you should consult with an insurance agent licensed to sell that insurance, inquire withthe insurance company offering the accelerated death benefits, or visit the California Department of Insurance Internet Web site (www. insurance.ca.gov) section regarding long-term care insurance.

   Receipt of accelerated death benefits may affect eligibility for public assistance programs, such as Medi-Cal or Medicaid. Prior to electing to receive the accelerated death benefit, you should consult with the appropriate social services agency concerning how receipt of accelerated death benefits may affect that eligibility.

   If the policy terminates, the Chronic Illness Accelerated Death Benefit Rider will also terminate.

   LTC expense reimbursement vs. ADB benefits are paid without receipts. LTC benefits are based on benefit levels and a pool of money selected at the time of purchase, and ADB benefits depend on the life policy value. ADB benefits will reduce the death benefit that the policyholder’s heirs will receive, and the use of the ADB proceeds is unrestricted, whereas LTC benefits will not reduce the death benefit that the policyholder’s heirs will receive, and the policyholder must use LTC benefits for LTC services.

   Please note: The life insurance offered with Accelerated Benefit Riders is not stand-alone long term care insurance, disability income insurance, or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits under any one of the Accelerated Benefit Riders will reduce the amounts available for future acceleration under it and any of the others. It will also reduce the base life insurance benefit and the funds available to supplement retirement orother needs and may result in policy termination. The amount received after acceleration may be less than what is needed to cover all of the cost associated with an illness or condition.