EXHIBIT 1.10(d)


American General Life Insurance Company
A Subsidiary of American General Corporation
VUL Operations
P.O. Box 4880  Houston, Texas 77210-4880

Owner Authorization of Third Party Transfers

Contract Identification  Contract Number
 
INSURED/ANNUITANT'S NAME
 
Owner's name Owner's Street Address
 
City state     zip
 
Joint Owner's Name (if one is designated)
Authorized Third Party   Name Title/Position

 
Firm  Street Address
 
City state  zip   Telephone Number


Authorization by Owner(s)_Please read carefully!
I/we hereby authorize American General Life Insurance Company ("AGL")
to act upon instructions to transfer values among the Variable Divisions
and Fixed Accounts and to change allocations for future purchase
payments given by the Third Party named above for my/our contract
referenced above. The Third Party named above is authorized to accept
delivery of the contract on my/our behalf and receive copies of
transaction confirmations and annual statements.
AGL will not be responsible for any claim, loss, or expense based upon
transfer instructions received and acted upon in good faith, including
losses due to instruction communication errors. AGL's liability for
erroneous transfers, unless clearly contrary to instructions received, will
be limited to correction of the allocations on a current basis. If an error,
objection, or other claim arises due to a transfer transaction, I will
notify AGL in writing within five working days from receipt of
confirmation of the transaction from AGL. I understand that this
authorization is subject to the terms and provisions of my contract
referenced above and its related prospectus. This authorization will

 
remain in effect until my written notice of its revocation is received by
AGL at its main office.
By delivering this Authorization to AGL, I/we revoke all prior third party
authorizations which have been delivered to AGL.

I/we understand the following:
1. Transfers may be made by telephone or written communication.
2. I/we may cancel this authorization at any time by furnishing written
notice to AGL.
3. The Third Party or AGL may cancel this authorization at any time.
4. Requests received after 3:00 p.m. (Central time) on a business day (a
day when both the New York Stock Exchange and AGL are open) will be
executed on the following business day.
   
Contract Owner's Signature___________________________ Date
 
Joint Owner's Signature (if applicable)_______________________ Date
 
Third Party's Signature_____________________________ Date