RO
● Active
Return of Premium Death Benefit
American General Life Insurance Company
DTCC ID
—
COMPANY
American General Life Insurance Company
TYPE
Indexed Annuity
INCEPTION
Jul 28, 2025
Identity
Benefit name
Return of Premium Death Benefit
Internal benefit name
Return of Premium Death Benefit
Product policy type
Indexed Annuity
Status
● Active
Sequence
1
Inception date
Jul 28, 2025
Closed date
—
DTCC Rider ID
—
Last modified
Jul 24, 2025
Life & Age
Based on life
Owner (or Annuitant if owner is a non-natural person)
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Mandatory
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
—
Partial withdrawals
—
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue the benefit.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during the accumulation phase, the benefit is greater of 1) contract value, 2) Minimum Withdrawal Value (MWV) or 3) Return of premium on or after 2nd contract anniversary.
Lifecycle Events
Termination
May terminated upon: 1)Annuitization, 2)Surrender and 3)Upon death benefit proceeds.
Available when added
At contract issue.