Common use of Fixed Annuity Option Tables Clause in Contracts

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. [LOGO] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a contract between AIG Life Insurance Company ("We", "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Monthly Income per $1,000 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Male Age -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ The values shown have not been adjusted for the annual contract certificate maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract certificate maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. [LOGOLOGO OF AIGLIFE] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD CERTIFICATE OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a contract between AIG Life Insurance Company ("We", "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.COVERAGE

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. [LOGO] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a legal contract between AIG Life Insurance Company ("We", "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms issued in consideration of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiumsInitial Premium. We will make annuity payments as set forth in this contract beginning on the Annuity Date.

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- [The values shown have not been adjusted for the annual contract maintenance charge Contract Maintenance Charge described on pages 3 and 9. 7.] Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- [The values shown have not been adjusted for the annual contract maintenance charge Contract Maintenance Charge described on pages 3 and 9. 7.] Values not shown are available from Our Administrative Office on request. [LOGO] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a contract between AIG Anchor National Life Insurance Company ("We"0 XxxXxxxxxx Xxxxxx Xxx Xxxxxxx, "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.XX 00000- 6022 CERTIFICATE OF COVERAGE

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 Annuitization -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee years payments Guaranteed -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 Annuitization -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) and Last Survivor -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 Annuitization -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 Annuitization -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee years payments Guaranteed -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 Annuitization -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) and Last Survivor -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 Annuitization -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. [LOGOGRAPHIC OMITTED] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXXXxxx Xxxxxx Xxxxxxxxxx, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a contract between AIG Life Insurance Company ("We", "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.Xxxxxxxx 00000

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Monthly Income per $1,000 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract certificate maintenance charge described on pages Pages 3 and 9. Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. [LOGO] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a contract between AIG Life Insurance Company ("We", "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- [The values shown have not been adjusted for the annual contract maintenance charge Contract Maintenance Charge described on pages 3 and 9. 7.] Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------- [The values shown have not been adjusted for the annual contract maintenance charge Contract Maintenance Charge described on pages 3 and 9. 7.] Values not shown are available from Our Administrative Office on request. [LOGO] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a contract between AIG Anchor National Life Insurance Company ("We"0 XxxXxxxxxx Xxxxxx Xxx Xxxxxxx, "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.XX 00000- 6022 CERTIFICATE OF COVERAGE

Fixed Annuity Option Tables. Option 1: Life Income -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 35 3.30 3.18 3.25 3.14 3.21 3.10 3.18 3.07 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 40 3.48 3.32 3.42 3.28 3.37 3.23 3.32 3.20 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 45 3.70 3.51 3.63 3.45 3.57 3.40 3.51 3.35 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 50 3.98 3.74 3.89 3.67 3.82 3.60 3.74 3.54 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 55 4.34 4.05 4.23 3.95 4.13 3.87 4.04 3.79 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 60 4.82 4.45 4.68 4.33 4.55 4.22 4.43 4.12 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 65 5.48 4.99 5.29 4.83 5.12 4.68 4.96 4.55 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 70 6.38 5.75 6.13 5.53 5.89 5.33 5.69 5.16 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 75 7.62 6.86 7.26 6.54 6.95 6.26 6.66 6.02 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 80 9.35 8.48 8.85 8.02 8.41 7.61 8.02 7.26 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 85 11.76 10.89 11.08 10.21 10.48 9.62 9.96 9.11 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 30 3.16 3.06 3.12 3.03 3.09 3.00 3.06 2.97 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 35 3.30 3.17 3.25 3.14 3.21 3.10 3.17 3.07 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 40 3.47 3.32 3.42 3.27 3.37 3.23 3.32 3.19 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 45 3.69 3.50 3.62 3.44 3.56 3.39 3.50 3.35 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 50 3.96 3.73 3.87 3.66 3.80 3.60 3.73 3.54 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 55 4.30 4.03 4.20 3.94 4.10 3.86 4.02 3.78 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 60 4.74 4.41 4.61 4.29 4.50 4.19 4.39 4.10 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 65 5.31 4.91 5.15 4.76 5.01 4.63 4.87 4.51 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 70 6.02 5.57 5.83 5.39 5.65 5.22 5.48 5.07 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 75 6.85 6.42 6.63 6.19 6.42 5.98 6.23 5.79 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 80 7.73 7.40 7.51 7.16 7.30 6.92 7.10 6.70 -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- 85 8.52 8.34 8.35 8.13 8.18 7.93 8.02 7.73 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Monthly Income per $1,000 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ Male Age -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 45 3.25 3.41 3.52 3.59 3.18 3.32 3.42 3.47 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 55 3.35 3.63 3.90 4.09 3.26 3.52 3.76 3.92 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 65 3.40 3.80 4.30 4.78 3.31 3.67 4.10 4.52 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ 75 3.43 3.89 4.59 5.54 3.34 3.74 4.36 5.18 -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------ The values shown have not been adjusted for the annual contract certificate maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. Variable Annuity Option Tables -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Option 1: Life Income -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 35 4.58 4.47 4.55 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 40 4.74 4.60 4.69 4.55 4.64 4.52 4.60 4.49 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 45 4.94 4.75 4.88 4.70 4.82 4.65 4.76 4.61 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 50 5.20 4.96 5.12 4.90 5.04 4.83 4.97 4.78 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 55 5.54 5.24 5.43 5.15 5.34 5.07 5.25 5.00 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 60 6.00 5.62 5.86 5.50 5.74 5.40 5.62 5.30 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 65 6.65 6.15 6.46 5.99 6.29 5.84 6.14 5.72 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 70 7.56 6.90 7.30 6.68 7.07 6.48 6.86 6.30 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 75 8.81 8.01 8.45 7.69 8.12 7.41 7.83 7.16 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 80 10.55 9.65 10.05 9.18 9.59 8.76 9.19 8.40 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 85 12.99 12.09 12.30 11.39 11.68 10.79 11.14 10.26 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Option 2: Life Income with 10 year Guarantee -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Year of Annuitization 2010 2020 2030 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Age Male Female Male Female Male Female Male Female -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 30 4.47 4.38 4.44 4.36 4.41 4.34 4.39 4.32 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 35 4.58 4.47 4.54 4.44 4.51 4.41 4.48 4.39 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 40 4.73 4.59 4.68 4.55 4.64 4.51 4.60 4.48 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 45 4.92 4.74 4.86 4.69 4.80 4.65 4.75 4.61 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 50 5.16 4.95 5.09 4.88 5.02 4.82 4.95 4.77 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 55 5.48 5.21 5.38 5.13 5.30 5.05 5.22 4.99 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 60 5.90 5.57 5.77 5.46 5.66 5.36 5.56 5.27 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 65 6.44 6.04 6.29 5.90 6.15 5.77 6.02 5.66 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 70 7.12 6.67 6.93 6.49 6.76 6.33 6.60 6.18 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 75 7.90 7.49 7.69 7.27 7.49 7.06 7.31 6.88 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 80 8.73 8.42 8.53 8.18 8.32 7.96 8.13 7.75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 85 9.48 9.31 9.32 9.11 9.16 8.91 9.00 8.72 -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Option 3: Joint and Last Survivor Annuity (Male and Female) -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Monthly Income per $1,000 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Year of Annuitization 2020 2040 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Female Age 45 55 65 75 45 55 65 75 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- Male Age -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 45 4.50 4.64 4.74 4.81 4.45 4.56 4.66 4.71 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 55 4.59 4.83 5.07 5.26 4.52 4.73 4.94 5.10 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 65 4.65 4.98 5.43 5.90 4.57 4.86 5.25 5.65 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- 75 4.68 5.08 5.72 6.62 4.59 4.94 5.49 6.27 -------------------------------------------------------------------------------- --------------------------------------------------------------------------------------- The values shown have not been adjusted for the annual contract certificate maintenance charge described on pages 3 and 9. Values not shown are available from Our Administrative Office on request. [LOGOLOGO OF AIGLIFE] AIGLIFE AIG LIFE INSURANCE COMPANY 000 XXXX XXXXXX XXXXXXXXXX, XXXXXXXX 00000 INDIVIDUAL CERTIFICATE OF COVERAGE VARIABLE ANNUITY NONPARTICIPATING [LETTERHEAD OF AIGLIFE] -------------------------------------------------------------------------------- This Policy is a legal contract between AIG Life Insurance Company ("We", "Us" or "Our") and the Policyholder ("You" or "Your") shown on the Policy Schedule. Subject to the terms issued in consideration of this Policy and the Certificates We issue to each Certificate Owner, We will provide the benefits described in this Policy. We do this in return for the application of the Policyholder, and the required individual applications for the annuities and for the payment of the premiums.Initial Premium. We will make annuity payments as set forth in this certificate beginning on the Annuity Date. READ YOUR CERTIFICATE CAREFULLY RIGHT TO CANCEL THIS CERTIFICATE This certificate may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this certificate by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contractcertificate will be treated as if We had never issued it. We will promptly refund the Premium paid. This is a variable annuity certificate. Annuity payments and Contract Value may increase or decrease depending on the experience of the Variable Account identified in the Contract Schedule. Signed by the Company: /s/ Xxxxxxxxx X. Xxxx /s/ Xxxxxx Xxxxxxx Secretary President CERTIFICATE OF COVERAGE VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS ================================================================================ CONTRACT SCHEDULE GROUP CONTRACTHOLDER: [Direct Consumer's Group Trust Dated December 22, 1995] GROUP CONTRACT NUMBER: 1234 INITIAL PREMIUM: $5,000 CERTIFICATE NUMBER: 5678 MINIMUM SUBSEQUENT PREMIUM: [$1,000] OWNER: XXXX XXX EFFECTIVE DATE: December 1, 2000