EX-99.(L)(1) 26 d668105dex99l1.txt ACTUARIAL OPINION AND CONSENT October 27, 2014 American General Life Insurance Company 2727-A Allen Parkway Houston, TX 77019 Re: American General Life Insurance Company and American General Life Insurance Company Separate Account VL-R AG Platinum Choice VUL File No. 333-196172 and No. 811-08561 Ladies and Gentlemen: This opinion is furnished in connection with the filing of the Registration Statement on Form N-6, File Nos. 333-196172 and 811-08561, by American General Life Insurance Company Separate Account VL-R (the "Separate Account") and American General Life Insurance Company ("AGL") covering an indefinite number of units of interests in the Separate Account. Net premiums received under AGL's AG Platinum Choice VUL flexible premium variable life insurance policies (the "Policies") to be offered by AGL may be allocated by AGL to the Separate Account as described in the Prospectus forming a part of the Registration Statement. I am familiar with the Policies' provisions. I am also familiar with the description contained in the Prospectus. In my opinion: The table of cost of insurance rates, set forth under "Tables of Charges" in the Prospectus, contains both the current and guaranteed rates to be used for these Policies for persons of illustrative ages. These rates have not been designed so as to make the relationship between current and guaranteed rates more favorable for persons of the ages illustrated than for persons at other ages or different gender. I hereby consent to the filing of this opinion as an exhibit to the Registration Statement and to the reference to my name under the heading "Actuarial Expert" in the Statement of Additional Information. Very truly yours, /s/ Timothy Donovan Timothy Donovan