EXHIBIT (d)(9)

                       TERM LIFE INSURANCE BENEFIT RIDER
                  PROVIDING ANNUALLY RENEWABLE TERM INSURANCE

American General Life Insurance Company has issued this rider as a part of the
policy to which it is attached.

We will pay the Death Benefit applicable to the Insured under this rider (Rider
Insured) if such Insured dies while the policy and this rider are in force.
Payment will be made to the appropriate beneficiary after we receive due proof
of the death of the Rider Insured subject to the terms of this rider and the
policy to which it is attached.

Rider Insured. The "Rider Insured" is the person insured under this rider who
is so named in the Schedule of Benefits or in an endorsement to the policy.

The Monthly Cost of Insurance. The monthly cost of insurance for the Rider
Death Benefit will be calculated at the beginning of each policy month on the
Deduction Day. The monthly cost of insurance for such Death Benefit will be
based on the Rider Insured's:

1.  Sex; and

2.  Attained age nearest birthday; and

3.  Rate class.

The guaranteed monthly cost for each $1,000 of coverage is shown in the Table
of Guaranteed Monthly Cost of Insurance Rates in the policy. We may use a
monthly cost that is lower than the guaranteed rate. The cost of insurance will
be deducted from the cash value of the policy.

If the policy to which this rider is attached contains a waiver of monthly
deduction rider, an additional charge will be made for waiver of the cost of
insurance for the Rider Insured. Such additional charge will be determined from
the table of rates in the waiver of monthly deduction rider.

Decreasing the Death Benefit. After the first rider year, the Death Benefit
under this rider may be decreased subject to the following requirements:

1.  The application for decrease must be in writing in a form acceptable to us;

2.  A decrease will not be allowed if the Death Benefit would be reduced to an
    amount less than $10,000;

3.  The effective date of any decrease will be the first Monthly Deduction Day
    following receipt of a request for a decrease.

Rider Ownership. The Owner of the policy to which this rider is attached is the
Owner of this rider.

Beneficiary. Unless the application for this rider or a later endorsement
provides otherwise, the Death Benefit will be paid in a single sum as follows:

1.  If the Rider Insured and the Insured under the basic policy are the same
    person, Death Benefits under this rider will be added to Death Benefit
    Proceeds under the policy. Such proceeds will be paid in accordance with
    the basic policy beneficiary designation.

2.  If the Rider Insured is not the Insured under the basic policy, Death
    Benefits under this rider will be paid to.

    a.  The Insured, if living at the time of the death of the Rider Insured;
        otherwise.

    b.  The executors or administrators of the Rider Insured.

Misstatement of Age or Sex. If the age or sex of the Rider Insured has been
misstated, the amount payable will be that which the premium paid would have
purchased at the correct age or sex.

Suicide. If the Rider Insured dies by suicide within 2 years from the date
coverage began under this rider, the amount payable will be limited to the cost
of insurance paid for the Rider Insured without interest. If the laws of the
state in which the policy and this rider are delivered require less than this
two year period, the period will be as stated in such laws.

Not Contestable after Two Years. We will not contest payment of the Rider Death
Benefit after it has been in force during the Rider Insured's lifetime for 2
years from the date coverage under this rider began.

This provision will not apply to nonpayment of the monthly cost of insurance.

88390



Conversion Provision. The Rider Insured may convert his or her coverage under
this rider to a new policy without evidence of insurability as follows:

At any time prior to the policy anniversary nearest the Rider Insured's 75th
birthday, while the policy and this rider are in force, coverage may be
converted to any level premium life insurance plan, except term, available
under our published rules on the date of conversion.

If the Rider Insured is not the same person as the Insured under the basic
policy, and the Insured dies while the policy and this rider are in force,
coverage under this rider may be converted. Conversion due to the death of the
Insured may be made to any of the following plans available under our published
rules on the date of conversion:

1.  A term life insurance plan; or

2.  A level premium whole life or endowment plan.

Any request for conversion must be submitted to our Home Office while the
policy and this rider are in force. (If coverage is being converted due to the
Insured's death, we must receive the application within 31 days following
termination of this rider.) The conversion request must be in writing in a form
acceptable to us. The first premium for the new policy must accompany the
request.

The Date of Issue of the new policy will be the date of conversion. The Sum
Insured will be equal to or less than the Death Benefit under this rider on the
date of conversion, but not less than $10,000. There will always be available
at least one plan of insurance with a minimum amount of $10,000 to which
conversion will be permitted. The premium on the new policy will be based on
our rate in use at the Rider Insured's attained age nearest birthday on the
date of conversion. The new policy will be issued for the same classification
of risk and subject to the same limitations of risk as this rider.

Accidental Death and Waiver of Premium benefits may be added to the new policy
with the consent of the Company.

If this rider is converted while monthly deductions are being waived in
accordance with a waiver of monthly deduction benefit contained in the policy:

1.  Premiums under the new policy will not be waived; and

2.  A waiver of premium (or waiver of monthly deduction) rider will not be
    added to the new policy.

Termination. This rider will terminate on the earliest of the following:

1.  On termination of the policy to which this rider is attached; or

2.  When any monthly deduction for this rider or the policy is in default
    beyond the end of the grace period; or

3.  On the conversion of this rider as provided in the Conversion Provision; or

4.  On the policy anniversary nearest the Rider Insured's 75th birthday; or

5.  On the first Monthly Deduction Date following receipt of the Owner's
    written request for termination.

Policy Provisions Applicable. This rider is subject to all the conditions and
provisions of the policy to which it is attached, except as provided herein.

Consideration. The consideration for this rider is the application for the
policy and this rider and deduction of the cost of insurance for this rider.
The cost of insurance for this rider will be deducted monthly from the
Accumulation Value of the policy.

   The date of this rider is the Date of Issue of the policy unless a later
date is shown here.

                                                     MATTHEW E. WINTER

                                                         President

88390