Form 485BPOS AMERICAN FUNDS INSURANCE

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April 30, 2021 11:38 AM EDT

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AMERICAN FUNDS INSURANCE SERIES

Redesignation of Existing Series

of Shares of Beneficial Interest Without Par Value

(the “Instrument”)

The undersigned, being a majority of the Trustees of American Funds Insurance Series, a Massachusetts business trust (the “Trust”), acting pursuant to Sections 6.10 and 9.3 of the Trust’s Declaration of Trust dated September 13, 1983, as amended (the “Declaration of Trust”), hereby redesignate Blue Chip Income and Growth Fund series of shares of beneficial interest as Washington Mutual Investors Fund; Bond Fund series of shares of beneficial interest as The Bond Fund of America; High-Income Bond Fund series of shares of beneficial interest as American High-Income Trust; Global Growth and Income Fund series of shares of beneficial interest as Capital World Growth and Income Fund; U.S. Government/AAA-Rated Securities Fund series of shares of beneficial interest as U.S. Government Securities Fund; and Managed Risk Blue Chip Income and Growth Fund series of shares of beneficial interest as Managed Risk Washington Mutual Investors Fund (without making any other changes with respect to voting, dividend, liquidation and other rights, preferences, powers, restrictions, limitations, qualifications, terms and conditions, as set forth in the Declaration of Trust). Further, the Trustees of the Trust hereby authorize the officers of the Trust, on behalf of the Trust and in its name, to file this Instrument with the Secretary of the Commonwealth of Massachusetts at a time deemed appropriate by Capital Research and Management Company.

The aforementioned action taken by the Board of Trustees of the Trust shall serve as an amendment to the Declaration of Trust without the vote or consent of shareholders of the Trust.

This instrument may be executed in several counterparts, each of which shall be deemed an original, but all taken together shall constitute one instrument.

The foregoing shall be effective as of the date set forth below.

/s/ William H. Baribault

William H. Baribault, as Trustee

/s/ James G. Ellis

James G. Ellis, as Trustee

/s/ Nariman Farvardin

Nariman Farvardin, as Trustee

/s/ Michael C. Gitlin

Michael C. Gitlin, as Trustee

/s/ Mary Davis Holt

Mary Davis Holt, as Trustee

/s/ R. Clark Hooper

R. Clark Hooper, as Trustee

/s/ Merit E. Janow

Merit E. Janow, as Trustee

/s/ Donald D. O’Neal

Donald D. O’Neal, as Trustee

/s/ Margaret Spellings

Margaret Spellings, as Trustee

/s/ Alexandra Trower

Alexandra Trower, as Trustee

/s/ Paul S. Williams

Paul S. Williams, as Trustee

Dated: December 8, 2020

Schedule A

to the

American Funds Insurance Series

Subadvisory Agreement

List of Funds

Managed Risk Asset Allocation Fund
Managed Risk Washington Mutual Investors Fund (f/k/a Managed Risk Blue Chip Income and Growth Fund)
Managed Risk Growth Fund
Managed Risk Growth-Income Fund
Managed Risk International Fund
Portfolio Series - American Funds Managed Risk Growth Portfolio
Portfolio Series - American Funds Managed Risk Global Allocation Portfolio
Portfolio Series - American Funds Managed Risk Global Growth and Income Portfolio

AMERICAN FUNDS INSURANCE SERIES

Amended and restated

INVESTMENT ADVISORY AND SERVICE AGREEMENT

THIS amended and restated investment advisory and service AGREEMENT, dated and effective as of the 1st day of May, 2021, is made and entered into by and between AMERICAN FUNDS INSURANCE SERIES, a Massachusetts business trust (the “Series”), on behalf of its Global Growth Fund, Global Small Capitalization Fund, Growth Fund, International Fund, New World Fund, Washington Mutual Investors Fund, Capital World Growth and Income Fund, Growth-Income Fund, International Growth and Income Fund, Capital Income Builder, Asset Allocation Fund, Global Balanced Fund, The Bond Fund of America, Corporate Bond Fund, Capital World Bond Fund, American High-Income Trust, American Funds Mortgage Fund, Ultra-Short Bond Fund and U.S. Government Securities Fund, (hereinafter called the “Funds”) and CAPITAL RESEARCH AND MANAGEMENT COMPANY, a Delaware corporation (the “Investment Adviser”).

W I T N E S S E T H

The Series is an open-end diversified investment company of the management type, registered under the Investment Company Act of 1940, as amended (the “1940 Act”). The Investment Adviser is registered under the Investment Advisers Act of 1940, as amended, and is engaged in the business of providing investment advisory and related services to the Series and to other investment companies.

NOW, THEREFORE, in consideration of the promises and the mutual undertakings of the parties, it is covenanted and agreed as follows:

1. The Series hereby employs the Investment Adviser to provide investment advisory and administrative services to the Funds. The Investment Adviser hereby accepts such employment and agrees to render the services to the extent herein set forth, for the compensation herein provided. The Investment Adviser shall, for all purposes herein, be deemed an independent contractor and not an agent of the Series.

2. (a) The Investment Adviser will provide general management services to the Funds, including overall supervisory responsibility for the general management and investment of the Funds’ assets, giving due consideration to the policies of the Series as expressed in the Series’ declaration of trust, by-laws, registration statement under the 1940 Act and registration statement under the Securities Act of 1933, as amended (the “1933 Act”), as well as to the factors affecting the Funds’ status as a regulated investment company under the Internal Revenue Code of 1986, as amended.

(b) The Investment Adviser may delegate its investment management responsibilities under paragraph 2(a), or a portion thereof, to one or more entities that are direct or indirect subsidiaries of the Investment Adviser or at least majority owned subsidiaries of The Capital Group Companies, Inc. and registered as investment advisers under the Investment Adviser’s Act of 1940 (each a “Subsidiary”), pursuant to an agreement between the Investment Adviser and the Subsidiary (the “Subsidiary Agreement”). The Subsidiary Agreement with any Subsidiary to which the Investment Adviser proposes to delegate its investment management responsibilities must be approved by the Series’ Board of Trustees, including a majority of the Trustees who are not parties to this Agreement nor interested persons of any such party within the meaning of the 1940 Act (“Independent Trustees”). Any delegation of duties pursuant to this paragraph shall comply with all applicable provisions of Section 15 of the 1940 Act, except to the extent permitted by any exemptive order of the U.S. Securities and Exchange Commission (“SEC”), or similar relief.

(c) The Investment Adviser will, subject to the review and approval of the Board of Trustees of the Series: (i) set the Funds’ overall investment strategies; (ii) except to the extent delegated to one or more Subsidiaries, have full investment discretion for the Funds and make all determinations with respect to the investment of the Funds’ assets, and any steps that may be necessary to implement any investment decisions; (iii) evaluate, select and recommend Subsidiaries to manage all or a part of the Funds’ assets; (iv) when appropriate, allocate and reallocate the Funds’ assets among multiple Subsidiaries; (v) monitor and evaluate the performance of Subsidiaries; and (vi) implement procedures reasonably designed to ensure that the Subsidiaries comply with the Funds’ investment objective, policies and restrictions. The Investment Adviser shall be solely responsible for paying the fees of any Subsidiary.

(d) Any Subsidiary Agreement may provide that the Subsidiary, subject to the control and supervision of the Series’ Board of Trustees and the Investment Adviser, shall have full investment discretion for the Funds and shall make all determinations with respect to (i) the investment of the Funds’ assets assigned to the Subsidiary; (ii) the purchase and sale of portfolio securities with those assets, and (iii) any steps that may be necessary to implement an investment decision. The Investment Adviser will periodically evaluate the continued advisability of retaining any Subsidiary and will make recommendations to the Series’ Board of Trustees, as needed.

(e) The Investment Adviser shall furnish the services of persons to perform the executive, administrative, clerical, and bookkeeping functions of the Funds, including the daily determination of net asset value per share. The Investment Adviser shall pay the compensation and travel expenses of all such persons, and they shall serve without any additional compensation from the Series. The Investment Adviser shall also, at its expense, provide the Series with necessary office space (which may be in the offices of the Investment Adviser); all necessary office equipment and utilities; and general purpose forms, supplies, and postage used at the offices of the Series.

(f) The Investment Adviser shall maintain (and cause each Subsidiary to maintain) all books and records with respect to the Funds’ investment management activities that are required to be maintained pursuant to the 1940 Act and the rules thereunder, as well as any other applicable legal requirements. The Investment Adviser acknowledges and agrees that all such records are the property of the Funds, and it shall maintain and preserve such records in accordance with applicable law and provide such records promptly to the Funds upon request.

(g) The Investment Adviser shall prepare and submit to the Funds all data on the performance of its duties as investment adviser for required filings with governmental agencies or for the preparation of reports to the Board of Trustees or the shareholders of the Funds and shall cause each Subsidiary to do so.

(h) The Investment Adviser shall furnish from time to time such other appropriate information as may be reasonably requested by the Funds.

3. The Series shall pay all its expenses not assumed by the Investment Adviser as provided herein. Such expenses shall include, but shall not be limited to, expenses incurred in connection with the organization of the Series, its qualification to do business in the State of California, and its registration as an investment company under the 1940 Act; custodian, stock transfer and dividend disbursing fees and expenses; service and distribution expenses pursuant to a plan adopted in accordance with Rule 12b-1 under the 1940 Act; expenses incurred for shareholder servicing, recordkeeping, transactional services, tax and informational returns and fund and shareholder communications; costs of designing and of printing and mailing to its shareholders reports, prospectuses, proxy statements, and notices to its shareholders; taxes; expenses of the issuance, sale, redemption, or repurchase of shares of the Funds (including registration and qualification expenses); legal and auditing fees and expenses; compensation, fees, and expenses paid to Independent Trustees; association dues; and costs of any share certificates, stationery and forms prepared exclusively for the Series.

4. (a) The Series shall pay to the Investment Adviser on or before the tenth (10th) day of each month, as compensation for the services rendered by the Investment Adviser during the preceding month fees calculated at the annual rates of:

Global Growth Fund: 0.69% on the first $600 million of net assets, plus 0.59% on net assets from $600 million to $1.2 billion, plus 0.53% on net assets from $1.2 billion to $2.0 billion, plus 0.50% on net assets from $2.0 billion to $3.0 billion, plus 0.48% on net assets from $3.0 billion to $5.0 billion; plus 0.46% on net assets from $5.0 billion to $8.0 billion; plus 0.445% on net assets in excess of $8.0 billion;

Or if net assets of Global Growth Fund are less than $1 billion:

0.58% on the first $500 million of net assets, plus 0.48% on net assets from $500 million to $1.0 billion;

Global Small Capitalization Fund: 0.80% on the first $600 million of net assets, plus 0.74% on net assets from $600 million to $1.0 billion, plus 0.70% on net assets from $1.0 billion to $2.0 billion, plus 0.67% on net assets from $2.0 billion to $3.0 billion; plus 0.65% on net assets from $3.0 billion to $5.0 billion, plus 0.635% on net assets in excess of $5.0 billion;

Growth Fund: 0.50% on the first $600 million of net assets, plus 0.45% on net assets from $600 million to $1.0 billion, plus 0.42% on net assets from $1.0 billion to $2.0 billion, plus 0.37% on net assets from $2.0 billion to $3.0 billion, plus 0.35% on net assets from $3.0 billion to $5.0 billion, plus 0.33% from $5.0 billion to $8.0 billion, plus 0.315% on net assets from $8.0 billion to $13.0 billion, plus 0.30% on net assets from $13.0 billion to $21.0 billion, plus 0.29% on net assets from $21.0 billion to $27.0 billion, plus 0.285% on net assets from $27.0 billion to $34.0 billion, plus 0.28% on net assets in excess of $34.0 billion;

International Fund: 0.69% on the first $500 million of net assets, plus 0.59% on net assets from $500 million to $1.0 billion, plus 0.53% on net assets from $1.0 billion to $1.5 billion, plus 0.50% on net assets from $1.5 billion to $2.5 billion, plus 0.48% on net assets from $2.5 billion to $4.0 billion, plus 0.47% on net assets from $4.0 billion to $6.5 billion, plus 0.46% on net assets from $6.5 billion to $10.5 billion, plus 0.45% on net assets from $10.5 billion to $17.0 billion, plus 0.44% on net assets from $17.0 billion to $21.0 billion, plus 0.43% on net assets in excess of $21.0 billion;

New World Fund: 0.85% on the first $500 million of net assets, plus 0.77% on net assets from $500 million to $1.0 billion, plus 0.71% on net assets from $1.0 billion to $1.5 billion; plus 0.66% on net assets from $1.5 billion to $2.5 billion, plus 0.62% on net assets from $2.5 billion to $4.0 billion, plus 0.58% on assets in excess of $4.0 billion;

Washington Mutual Investors Fund: 0.50% on the first $600 million of net assets, plus 0.45% on net assets from $600 million to $1.5 billion, plus 0.40% on net assets from $1.5 billion to $2.5 billion, plus 0.38% on net assets from $2.5 billion to $4.0 billion, plus 0.37% on net assets from $4.0 billion to $6.5 billion, plus 0.36% on net assets from $6.5 billion to $10.5 billion, plus 0.35% on assets in excess of $10.5 billion;

Capital World Growth and Income Fund: 0.69% on the first $600 million of net assets, plus 0.59% on net assets from $600 million to $1.2 billion, plus 0.53% on net assets from $1.2 billion to $2.0 billion, plus 0.50% on net assets from $2.0 billion to $3.0 billion, plus 0.48% on net assets in excess of $3.0 billion;

Growth-Income Fund: 0.50% on the first $600 million of net assets, plus 0.45% on net assets from $600 million to $1.5 billion, plus 0.40% on net assets from $1.5 billion to $2.5 billion, plus 0.32% on net assets from $2.5 billion to $4.0 billion, plus 0.285% on net assets from $4.0 billion to $6.5 billion, plus 0.256% on net assets from $6.5 billion to $10.5 billion, plus 0.242% on net assets from $10.5 billion to $13.0 billion, plus 0.235% on net assets from $13.0 billion to $17.0 billion, plus 0.23% on net assets from $17.0 billion to $21.0 billion, plus 0.225% on net assets from $21.0 billion to $27.0 billion, plus 0.222% on net assets from $27.0 billion to $34.0 billion, plus 0.219% on net assets in excess of $34.0 billion;

International Growth and Income Fund: 0.69% on the first $500 million of net assets, plus 0.59% on net assets from $500 million to $1.0 billion, plus 0.53% on net assets from $1 billion to $1.5 billion, plus 0.50% on net assets in excess of $1.5 billion;

Capital Income Builder: 0.50% on the first $600 million of net assets, plus 0.45% on net assets from $600 million to $1 billion, plus 0.41% on net assets in excess of $1.0 billion;

Asset Allocation Fund: 0.50% on the first $600 million of net assets, plus 0.42% on net assets from $600 million to $1.2 billion, plus 0.36% on net assets from $1.2 billion to $2.0 billion, plus 0.32% on net assets from $2.0 billion to $3.0 billion, plus 0.28% on net assets from $3.0 billion to $5.0 billion, plus 0.26% on net assets from $5.0 billion to $8.0 billion, plus 0.25% on net assets from $8.0 billion to $13.0 billion, plus 0.244% on net assets from $13.0 billion to $21.0 billion, plus 0.24% on assets in excess of $21.0 billion;

Global Balanced Fund: 0.66% on the first $500 million of net assets, plus 0.57% on net assets from $500 million to $1.0 billion, plus 0.51% on net assets in excess of $1.0 billion;

The Bond Fund of America: 0.48% on the first $600 million of net assets, plus 0.44% on net assets from $600 million to $1.0 billion, plus 0.40% on net assets from $1.0 billion to $2.0 billion, plus 0.38% on net assets from $2.0 billion to $3.0 billion, plus 0.36% on net assets from $3.0 billion to $5.0 billion, plus 0.34% on net assets from $5.0 billion to $8.0 billion, plus 0.33% on net assets from $8.0 billion to $13.0 billion, plus 0.32% on net assets in excess of $13.0 billion;

Corporate Bond Fund: 0.46% on all net assets;

Capital World Bond Fund: 0.57% on the first $1.0 billion of net assets, plus 0.50% on net assets from $1.0 billion to $3.0 billion, plus 0.45% on net assets in excess of $3.0 billion;

American High-Income Trust: 0.50% on the first $600 million of net assets, plus 0.46% on net assets from $600 million to $1.0 billion, plus 0.44% on net assets from $1.0 billion to $2.0 billion, plus 0.42% on net assets in excess of $2.0 billion;

American Funds Mortgage Fund: 0.42% on the first $600 million of net assets, plus 0.36% on net assets from $600 million to $1.0 billion, plus 0.32% on net assets from $1.0 billion to $2.0 billion, plus 0.30% on net assets from $2.0 billion to $3.0 billion, plus 0.29% on net assets in excess of $3.0 billion;

Ultra-Short Bond Fund: 0.32% on the first $1.0 billion of net assets, plus 0.29% on net assets from $1.0 billion to $2.0 billion, plus 0.27% on net assets in excess of $2.0 billion; and

U.S. Government Securities Fund: 0.42% on the first $600 million of net assets, plus 0.36% on net assets from $600 million to $1.0 billion, plus 0.32% on net assets from $1.0 billion to $2.0 billion, plus 0.30% on net assets from $2.0 billion to $3.0 billion, plus 0.29% on net assets in excess of $3.0 billion.

(b) Such fees shall be accrued daily, and the daily rate shall be computed based on the actual number of days per year. For the purposes hereof, the net assets of the Funds shall be determined in the manner set forth in the declaration of trust and registration statement of the Series. The advisory fee shall be payable for the period commencing on May 1, 2021 and ending on the date of termination hereof and shall be prorated for any fraction of a month at the beginning or the termination of such period.

5. This Agreement may be terminated at any time, without payment of any penalty, by the Trustees of the Series or by vote of a majority (within the meaning of the 1940 Act) of the outstanding voting securities of the Series, on sixty (60) days’ written notice to the Investment Adviser, or by the Investment Adviser on like notice to the Series. Unless sooner terminated in accordance with this provision, this Agreement shall continue until April 30, 2022. It may thereafter be renewed from year to year by mutual consent, provided that such renewal shall be specifically approved at least annually by the Board of Trustees of the Series, or by vote of a majority (within the meaning of the 1940 Act) of the outstanding voting securities of the Series. In either event, any such renewal must be approved by a majority of the Independent Trustees at a meeting called for the purpose of voting on such approval. This Agreement shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission.

6. This Agreement shall not be assignable by either party hereto, and in the event of assignment (within the meaning of the 1940 Act) by the Investment Adviser shall automatically be terminated forthwith.

7. Nothing contained in this Agreement shall be construed to prohibit the Investment Adviser from performing investment advisory, management, or distribution services for other investment companies and other persons or companies, nor to prohibit affiliates of the Investment Adviser from engaging in such businesses or in other related or unrelated businesses.

8. The Investment Adviser shall not be liable to the Series or its shareholders for any error of judgment, for any mistake of law, for any loss arising out of any investment or for any act, or omission not involving willful misfeasance, bad faith, gross negligence, or reckless disregard of its obligations and duties hereunder.

9. The obligations of the Series under this Agreement are not binding upon any of the Trustees, officers, employees, agents or shareholders of the Funds individually, but bind only the Series’ estate. The Investment Adviser agrees to look solely to the assets of the Funds for the satisfaction of any liability in respect of the Funds under this Agreement and will not seek recourse against such Trustees, officers, employees, agents or shareholders, or any of them, or any of their personal assets for such satisfaction.

10. The Series acknowledges and agrees that the names, “American Funds” and “Capital” or any derivatives thereof or logo associated with those names are the valuable property of the Investment Adviser and its affiliates, and that the Series shall have the right to use such names (or derivatives or logos) only so long as this Agreement shall continue in effect. Upon termination of this Agreement the Series shall forthwith cease to use such names (or derivatives or logos).

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IN WITNESS WHEREOF, the parties hereto have caused this instrument to be executed by their officers thereunto duly authorized, as of May 1, 2021.

CAPITAL RESEARCH AND MANAGEMENT COMPANY	AMERICAN FUNDS INSURANCE SERIES

By /s/ Robert W. Lovelace	By /s/ Steven I. Koszalka
Robert W. Lovelace	Steven I. Koszalka
Chief Executive Officer	Secretary

AMERICAN FUNDS INSURANCE SERIES

AMENDED AND RESTATED

INVESTMENT ADVISORY AND SERVICE AGREEMENT

THIS AMENDED AND RESTATED investment advisory and service AGREEMENT, dated and effective as of the 1st day of May, 2021, is made and entered into by and between AMERICAN FUNDS INSURANCE SERIES, a Massachusetts business trust (the “Series”), on behalf of the funds listed on Schedule A hereto (each a “Fund” and collectively the “Funds”), and CAPITAL RESEARCH AND MANAGEMENT COMPANY, a Delaware corporation (the “Investment Adviser”).

W I T N E S S E T H

The Series is an open-end diversified investment company of the management type, registered under the Investment Company Act of 1940, as amended (the “1940 Act”), consisting of a series of funds, including the Funds listed on Schedule A hereto, and may offer additional series of funds in the future. The Investment Adviser is registered under the Investment Advisers Act of 1940, as amended, and is engaged in the business of providing investment advisory and related services to the Series and to other investment companies.

NOW, THEREFORE, in consideration of the promises and the mutual undertakings of the parties, it is covenanted and agreed as follows:

2. (a) The Investment Adviser will provide general management services to the Funds, including setting the Funds’ overall investment strategies and managing each Fund’s assets, which shall include making determinations with respect to (i) the investment of the Funds’ assets, (ii) the purchase and sale of portfolio securities and (iii) taking any steps that may be necessary to implement investment decisions, giving due consideration to the policies of the Series as expressed in the Series’ declaration of trust, by-laws, registration statement under the 1940 Act and registration statement under the Securities Act of 1933, as amended (the “1933 Act”), as well as to the factors affecting the Funds’ status as regulated investment companies under the Internal Revenue Code of 1986, as amended.

(b) The Investment Adviser may delegate its investment management responsibilities under paragraph 2(a), or a portion thereof, to one or more sub-advisers that are registered as investment advisers under the Investment Adviser’s Act of 1940 (each a “Sub-Adviser”), pursuant to a written agreement between the Investment Adviser and the Sub-Adviser (the “Sub-Advisory Agreement”). Any Sub-Adviser to which the Investment Adviser proposes to delegate its investment management responsibilities for a Fund must be approved by the Series’ Board of Trustees, including a majority of the Trustees who are not parties to this Agreement or interested persons of any such party (“Independent Trustees”), and, if required by applicable law, the shareholders of such Fund. Any delegation of duties pursuant to this paragraph shall comply with all applicable provisions of Section 15 of the 1940 Act, except to the extent permitted by any exemptive order of the Securities and Exchange Commission (“SEC”), or similar relief.

(c) The Investment Adviser will, subject to the review and approval of the Board of Trustees of the Series: (i) evaluate, select and recommend Sub-Advisers to manage all or a part of the Funds’ assets; (ii) when appropriate, allocate and reallocate the Funds’ assets among multiple Sub-Advisers; (iii) monitor and evaluate the performance of Sub-Advisers; and (iv) implement procedures reasonably designed to ensure that the Sub-Advisers comply with the Funds’ investment objectives, policies and restrictions. The Investment Adviser shall be solely responsible for paying the fees of any Sub-Adviser.

(d) Any Sub-Advisory Agreement may provide that the Sub-Adviser, subject to the control and supervision of the Series’ Board of Trustees and the Investment Adviser, shall have full investment discretion and shall make all determinations with respect to (i) the investment of the Funds’ assets allocated to the Sub-Adviser; (ii) the purchase and sale of portfolio securities with those assets, and (iii) any steps that may be necessary to implement an investment decision. The Investment Adviser will periodically evaluate the continued advisability of retaining any Sub-Adviser and will make recommendations to the Series’ Board of Trustees, as needed.

(e) The Investment Adviser shall furnish the services of persons to perform the executive, administrative, clerical, and bookkeeping functions of the Series and Funds. The Investment Adviser shall pay the compensation and travel expenses of all such persons, and they shall serve without any additional compensation from the Series or the Funds. The Investment Adviser shall also, at its expense, provide the Series and the Funds with necessary office space (which may be in the offices of the Investment Adviser); all necessary office equipment and utilities; and general purpose forms, supplies, and postage used at the offices of the Series and the Funds.

(f) The Investment Adviser shall furnish or arrange for the furnishing of fund accounting services to the Funds, including the daily determination

of net asset value per share. Each Fund shall be responsible for the fees and expenses associated with the provision of such fund accounting services for such Fund, which are separate and distinct from the fees paid by each Fund pursuant to Section 4 of this Agreement. The Investment Adviser may delegate its fund accounting responsibilities to a third-party fund accounting service provider (“Third Party Accounting Provider”) to provide such services for any or all of the Funds. Any Third Party Accounting Provider to which the Investment Adviser proposes to delegate its fund accounting responsibilities for a Fund must be approved by the Series’ Board of Trustees, including a majority of Independent Trustees. The Investment Adviser will, subject to the review and approval of the Board of Trustees of the Series: (i) evaluate, select and recommend Third Party Accounting Providers to provide fund accounting services for a Fund; (ii) monitor and evaluate the performance of any Third Party Accounting Provider; and (iii) implement procedures reasonably designed to ensure that the Third Party Accounting Provider is providing all fund accounting services in compliance with the Series’ and Funds’ policies and procedures and applicable regulations.

(g) The Investment Adviser or the Sub-Adviser, as the case may be, shall maintain all books and records with respect to the Funds’ investment management activities that are required to be maintained pursuant to the 1940 Act and the rules thereunder, as well as any other applicable legal requirements. The Investment Adviser acknowledges and agrees that all such records are the property of the Funds, and it shall maintain and preserve such records in accordance with applicable law and provide such records promptly to the Funds upon request.

(h) The Investment Adviser shall prepare and submit to the Funds all data on the performance of its duties as investment adviser for required filings with governmental agencies or for the preparation of reports to the Board of Trustees or the shareholders of the Funds.

(i) The Investment Adviser shall furnish from time to time such other appropriate information as may be reasonably requested by the Series or the Funds.

3. The Series and each of the Funds shall pay all its expenses not assumed by the Investment Adviser as provided herein. Such expenses shall include, but shall not be limited to, expenses incurred in connection with the organization of the Series, its qualification to do business in the State of California, and its registration as an investment company under the 1940 Act; custodian, stock transfer and dividend disbursing fees and expenses; fund accounting expenses; service and distribution expenses pursuant to a plan adopted in accordance with Rule 12b-1 under the 1940 Act; expenses incurred for shareholder servicing, recordkeeping, transactional services, tax and informational returns and fund and shareholder communications; costs of designing and of printing and mailing to its shareholders reports, prospectuses, proxy statements, and notices to its shareholders; taxes;

expenses of the issuance, sale, redemption, or repurchase of shares of the Funds (including registration and qualification expenses); legal and auditing fees and expenses; compensation, fees, and expenses paid to Independent Trustees; association dues; and costs of any share certificates, stationery and forms prepared exclusively for the Series or the Funds.

4. (a) The Investment Adviser acknowledges that it receives compensation in its role as an investment adviser for the underlying funds in which the Funds are invested and accordingly, the Investment Adviser agrees that its provision of the services under this Agreement shall not be subject to additional compensation except for amounts paid for the management and/or oversight of the managed risk strategy of any Fund as described below.

(b) The Funds shall pay to the Investment Adviser on or before the tenth (10th) day of each month, as compensation for the services rendered for the management and/or oversight of a Fund’s managed risk strategy during the preceding month, fees calculated on such Fund’s net assets at the annual rates set forth on Schedule A hereto.

(c) Such fees shall be accrued daily, and the daily rate shall be computed based on the actual number of days per year. For the purposes hereof, the net assets of the Funds shall be determined in the manner set forth in the declaration of trust and registration statement of the Series. The advisory fee shall be payable for the period commencing on May 1, 2021 and ending on the date of termination hereof and shall be prorated for any fraction of a month at the beginning or the termination of such period.

8. The Investment Adviser shall not be liable to the Series, the Funds or the Funds’ shareholders for any error of judgment, for any mistake of law, for any loss arising out of any investment or for any act, or omission not involving willful misfeasance, bad faith, gross negligence, or reckless disregard of its obligations and duties hereunder.

9. The obligations of the Series and the Funds under this Agreement are not binding upon any of the Trustees, officers, employees, agents or shareholders of the Series and the Funds individually, but bind only the Series’ and each Fund’s estate. The Investment Adviser agrees to look solely to the assets of each Fund for the satisfaction of any liability in respect of such Fund under this Agreement and will not seek recourse against such Trustees, officers, employees, agents or shareholders, or any of them, or any of their personal assets for such satisfaction.

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IN WITNESS WHEREOF, the parties hereto have caused this instrument to be executed by their officers thereunto duly authorized, as of May 1, 2021.

CAPITAL RESEARCH AND MANAGEMENT COMPANY	AMERICAN FUNDS INSURANCE SERIES

By /s/ Robert W. Lovelace	By /s/ Steven I. Koszalka
Robert W. Lovelace	Steven I. Koszalka
Chief Executive Officer	Secretary

Schedule A

to the

American Funds Insurance Series

Amended and Restated Investment Advisory and Service Agreement

Fund	Management Fees
Managed Risk Growth Fund	0.15%
Managed Risk International Fund	0.15%
Managed Risk Washington Mutual Investors Fund	0.15%
Managed Risk Growth-Income Fund	0.15%
Managed Risk Asset Allocation Fund	0.15%

AMENDMENT TO CUSTODIAN AGREEMENT

This Amendment, dated as of March 26, 2021, amends the Global Custody Agreement, dated as of December 14, 2006 as amended to date (the "Custodian Agreement"), by and between State Street Bank and Trust Company (the "Bank") and each of the investment companies and other pooled investment vehicles (which may be organized as corporations, business or other trusts, limited liability companies, partnerships or other entities) managed by Capital Research and Management Company and listed on Appendix A thereto, as amended from time to time (each, a "Customer").

The Bank and each Customer hereby agree to replace the existing Appendix A to the Custodian Agreement with the updated appendix below, to reflect all Customers who are parties to the Custodian Agreement as of such date.

APPENDIX A CUSTOMERS AND PORTFOLIOS

Dated as of March 26, 2021

The following is a list of Customers and their respective Portfolios for which the Bank shall serve under this Agreement.

CUSTOMER PORTFOLIO:

American Funds Fundamental Investors

EFFECTIVE AS OF:

d.b.a. Fundamental Investors December 14, 2006

The Growth Fund of America December 14, 2006

The New Economy Fund December 14, 2006

SMALLCAP World Fund, Inc. December 14, 2006

American Funds Multi-Sector Income Fund February 15, 2019

American Funds International Vantage Fund November 8, 2019

American Funds Global Insight Fund November 8, 2019

American Funds Corporate Bond Fund September 28, 2020

American Funds Tax-Exempt Fund of New York September 28, 2020

American Funds Mortgage Fund September 28, 2020

American Funds Inflation Linked Bond Fund December 7, 2020

American Funds Developing World Growth and Income Fund December 7, 2020

American Funds Insurance Series -

Washington Mutual Investors Fund May 1, 2021 (December 14, 2006)

(formerly Blue Chip Income and Growth Fund)

Global Growth Fund December 14, 2006

Global Small Capitalization Fund December 14, 2006

Growth Fund December 14, 2006

International Fund December 14, 2006

Growth-Income Fund December 14, 2006

Asset Allocation Fund December 14, 2006

The Bond Fund of America (formerly Bond Fund) May 1, 2021 (December 14, 2006)

American High-Income Trust

(formerly High-Income Bond Fund) May 1, 2021 (December 14, 2006)

U.S. Government Securities Fund May 1, 2021 (December 14, 2006)

(formerly U.S. Government/AAA-Rated Securities Fund)

Ultra-Short Bond Fund

(formerly Cash Management Fund) May 1, 2016 (December 14, 2006)

Capital World Growth and Income Fund May 1, 2021 (December 14, 2006)

(formerly Global Growth and Income Fund)

New World Fund December 14, 2006

Capital World Bond Fund

(formerly Global Bond Fund) May 1, 2020 (December 14, 2006)

International Growth and Income Fund October 1, 2008

Global Balanced Fund May 2, 2011

American Funds Mortgage Fund

(formerly Mortgage Fund) May 1, 2020 (May 2, 2011)

Capital Income Builder May 1, 2014

Portfolio Series – American Funds Global Growth Portfolio May 1, 2015

Portfolio Series – American Funds Growth and Income Portfolio May1, 2015

Portfolio Series - American Funds Managed Risk Growth Portfolio June 19, 2020

Portfolio Series - American Funds Managed Risk Growth and Income Portfolio June 19, 2020

Portfolio Series - American Funds Managed Risk Global Allocation Portfolio June 19, 2020

Managed Risk Asset Allocation Fund June 19, 2020

Managed Risk Growth Fund June 19, 2020

Managed Risk Growth-Income June 19, 2020

Managed Risk International Fund June 19, 2020

Managed Risk Washington Mutual Investors Fund May 1, 2021 (June 19, 2020)

(formerly Managed Risk Blue Chip Income and Growth Fund)

American Funds IS 2010 Target Date Fund December 6, 2019

American Funds IS 2015 Target Date Fund December 6, 2019

American Funds IS 2020 Target Date Fund December 6, 2019

American Funds IS 2025 Target Date Fund December 6, 2019

American Funds IS 2030 Target Date Fund December 6, 2019

American Funds IS 2035 Target Date Fund December 6, 2019

American Funds College Target Date Series

American Funds College Enrollment Fund September 14, 2012

American Funds College 2021 Fund September 14, 2012

American Funds College 2024 Fund September 14, 2012

American Funds College 2027 Fund September 14, 2012

American Funds College 2030 Fund September 14, 2012

American Funds College 2033 Fund March 27, 2015

American Funds College 2036 Fund February 9, 2018

American Funds College 2039 Fund March 26, 2021

American Funds Retirement Income Portfolio Series

American Funds Retirement Income Portfolio – Conservative September 21, 2020

American Funds Retirement Income Portfolio – Moderate September 21, 2020

American Funds Retirement Income Portfolio – Enhanced September 21, 2020

Capital Group Central Fund Series II –

Capital Group Central Corporate Bond Fund April 23, 2021

[Signature page follows]

IN WITNESS WHEREOF, each of the Customers and the Bank has executed this Appendix A as of the date first-written above. Execution of this Appendix A by more than one Customer shall not create a contractual or other obligation between or among such Customers (or between or among their respective Portfolios) and this Appendix shall constitute a separate agreement between the Bank and each Customer on behalf of itself or each of its Portfolios.

Each of the Customers Listed on Appendix A

Attached Hereto, on behalf of Itself or

its Listed Portfolios

By: Capital Research and Management Company*	State Street Bank and Trust Company

By: /s/ Kristine M. Nishiyama	By: _/s/ Louis Abruzzi

Name: Kristine M. Nishiyama	Name: Louis Abruzzi

Title: Authorized Signatory	Title: Senior Vice President

* Pursuant to delegated authority.

AMENDMENT TO

SUB-ADMINISTRATION AGREEMENT

Dated as of April 1, 2021

This Amendment is made and is effective as of April 1, 2021 by and among CAPITAL RESEARCH AND MANAGEMENT COMPANY, a California corporation whose principal place of business is at 333 South Hope Street, Los Angeles, CA 90071 (the “Customer"), AMERICAN FUNDS INSURANCE SERIES, a Massachusetts business trust (the “Series”) and THE BANK OF NEW YORK MELLON, whose principal place of business is at 240 Greenwich Street, New York, NY 10286 (“Service Provider”).

WHEREAS, the Customer, the Series and Service Provider are parties to a Sub- Administration Agreement dated as of September 28, 2012 (the “Agreement”);

WHEREAS, the parties to the Agreement desire to amend the Agreement for the purposes of amending and restating the List of Funds at Exhibit A to the Agreement (each fund listed, a “Fund”); and

WHEREAS, the Customer desires to appoint Service Provider to provide the Services (as such term is described in the Agreement) with respect to each Fund and Service Provider agrees to provide the Services with respect to each Fund;

NOW, THEREFORE, in consideration of the mutual promises and agreements set forth herein, the parties agree as follows:

1. The Agreement is hereby amended by deleting in its entirety Exhibit A and replacing it with the amended and restated Exhibit A attached hereto.

Miscellaneous:

(a)

As hereby amended and supplemented, the Agreement shall remain in full force and effect. In the event of a conflict between the terms of this Amendment and the terms of the Agreement as it relates to the subject matter set forth herein, this Amendment shall control.

(b)

The parties expressly agree that this Amendment may be executed in one or more counterparts and expressly agree that such execution may occur by manual signature on a physically delivered copy of this Amendment, by a manual signature on a copy of this Amendment transmitted by facsimile transmission, by a manual signature on a copy of this Amendment transmitted as an imaged document attached to an email, or by "Electronic Signature", which is hereby defined to mean inserting an image, representation or symbol of a signature into an electronic copy of this Amendment by electronic, digital or other technological methods. Each counterpart executed in accordance with the foregoing shall be deemed an original, with all such counterparts together constituting one and the same instrument. The exchange of executed counterparts of this Amendment or of executed signature pages to counterparts of this Amendment, in either case by facsimile transmission or as an imaged document attached to an email transmission, shall constitute effective execution and delivery of this Amendment and may be used for all purposes in lieu of a manually executed and physically delivered copy of this Amendment.

IN WITNESS WHEREOF, each of the parties hereto has caused this Amendment to be executed as of the Effective Date by its duly authorized representative indicated below. An authorized representative, if executing this Amendment by Electronic Signature, affirms authorization to execute this Amendment by Electronic Signature and that the Electronic Signature represents an intent to enter into this Amendment and an agreement with its terms.

CAPITAL RESEARCH AND MANAGEMENT COMPANY

By: _/s/ Kristine M. Nishiyama

Name: Kristine M. Nishiyama

Title: Authorized Signer

AMERICAN FUNDS INSURANCE SERIES, ON BEHALF OF EACH FUND

By: _/s/ Greg Niland

Name: Greg Niland

Title: Treasurer

THE BANK OF NEW YORK MELLON

By: _/s/ Donald Brophy

Name: Donald Brophy

Title: Vice President

EXHIBIT A

LIST OF FUNDS

Managed Risk Asset Allocation Fund (American Funds Insurance Series)

Managed Risk Growth Fund (American Funds Insurance Series)

Managed Risk Growth-Income Fund (American Funds Insurance Series)

Managed Risk International Fund (American Funds Insurance Series)

Managed Risk Washington Mutual Investors Fund (American Funds Insurance Series)

formerly, Managed Risk Blue Chip Income and Growth Fund (American Funds Insurance

Series)

American Funds Managed Risk Growth Portfolio (American Funds Insurance Series – Portfolio

Series)

American Funds Managed Risk Growth and Income Portfolio (American Funds Insurance Series –

Portfolio Series)

American Funds Managed Risk Global Allocation Portfolio (American Funds Insurance Series –

Portfolio Series)

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Insurance Administrative Services Plan

Relating to its Class 1A and Class 4 shares

Fund	Effective Date	Termination Date
Global Growth Fund	May 1, 2021	April 30, 2022
Global Small Capitalization Fund	May 1, 2021	April 30, 2022
Growth Fund	May 1, 2021	April 30, 2022
International Fund	May 1, 2021	April 30, 2022
New World Fund	May 1, 2021	April 30, 2022
Washington Mutual Investors Fund	May 1, 2021	April 30, 2022
Capital World Growth and Income Fund	May 1, 2021	April 30, 2022
Growth-Income Fund	May 1, 2021	April 30, 2022
International Growth and Income Fund	May 1, 2021	April 30, 2022
Capital Income Builder	May 1, 2021	April 30, 2022
Asset Allocation Fund	May 1, 2021	April 30, 2022
Global Balanced Fund	May 1, 2021	April 30, 2022
The Bond Fund of America	May 1, 2021	April 30, 2022
Corporate Bond Fund	May 1, 2021	April 30, 2022
Capital World Bond Fund	May 1, 2021	April 30, 2022
American High-Income Trust	May 1, 2021	April 30, 2022
American Funds Mortgage Fund	May 1, 2021	April 30, 2022
Ultra-Short Bond Fund	May 1, 2021	April 30, 2022
U.S. Government Securities Fund	May 1, 2021	April 30, 2022

Portfolio Series – American Funds Global Growth Portfolio	May 1, 2021	April 30, 2022
Portfolio Series – American Funds Growth and Income Portfolio	May 1, 2021	April 30, 2022

Target Date Series - American Funds IS 2035 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2030 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2025 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2020 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2015 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2010 Target Date Fund	May 1, 2021	April 30, 2022

EXHIBIT A

to the

American Funds Insurance Series

Insurance Administrative Services Plan

Relating to its Class P1 and Class P2 shares

Fund	Effective Date	Termination Date
Managed Risk Growth Fund	5/1/21	4/30/22
Managed Risk International Fund	5/1/21	4/30/22
Managed Risk Washington Mutual Investors Fund	5/1/21	4/30/22
Managed Risk Growth-Income Fund	5/1/21	4/30/22
Managed Risk Asset Allocation Fund	5/1/21	4/30/22

Portfolio Series – American Funds Managed Risk Growth Portfolio	5/1/21	4/30/22
Portfolio Series – American Funds Managed Risk Growth and Income Portfolio	5/1/21	4/30/22
Portfolio Series – American Funds Managed Risk Global Allocation Portfolio	5/1/21	4/30/22

AMERICAN FUNDS INSURANCE SERIES

AMENDED AND RESTATED SHAREHOLDER SERVICES AGREEMENT

1. The parties to this Amended and Restated Agreement (the “Agreement”), which is effective as of January 1, 2021 are American Funds Insurance Series, a Massachusetts business trust (hereinafter called “the Series”) and American Funds Service Company, a California corporation (hereinafter called “AFS”). The Series consists of the portfolios set forth on Exhibit A (“Funds”). AFS is a wholly owned subsidiary of Capital Research and Management Company (hereinafter called “CRMC”). This Agreement will continue in effect until amended or terminated in accordance with its terms. The effective dates of this Agreement with respect to the Funds are set forth on Exhibit A.

2. The Series hereby employs AFS, and AFS hereby accepts such employment by the Series, as its transfer agent. In such capacity AFS will provide the services of stock transfer agent, dividend disbursing agent, redemption agent, and such additional related services as the Series may from time to time require, in respect of Class 1, Class 1A, Class 2, Class 3, Class 4, Class P1 and Class P2 shares of the Funds as set forth on Exhibit A, all of which services are sometimes referred to herein as “shareholder services.” In addition, AFS assumes responsibility for the Series’ implementation and compliance with the procedures set forth in the Anti-Money Laundering Program (“AML Program”) of the Series and does hereby agree to provide all records relating to the AML Program to any federal examiner of the Series upon request.

3. AFS has entered into substantially identical agreements with other investment companies for which CRMC serves as investment adviser. (For the purposes of this Agreement, such investment companies, including the Series, are called “participating investment companies.”)

4. AFS has entered into an agreement with DST Systems, Inc. (hereinafter called “DST”), to provide AFS with electronic data processing services sufficient for the performance of the shareholder services referred to in paragraph 2.

5. The Series, together with the other participating investment companies, will maintain a Review and Advisory Committee, which Committee will review and may make recommendations to the boards of the participating investment companies regarding all fees and charges provided for in this Agreement, as well as review the level and quality of the shareholder services rendered to the participating

investment companies and their shareholders. Each participating investment company may select one director or trustee who is not affiliated with CRMC, or any of its affiliated companies, or with Washington Management Corporation or any of its affiliated companies, to serve on the Review and Advisory Committee.

6. AFS will provide to the participating investment companies the shareholder services referred to herein in return for the following fees:

Annual account maintenance fee (paid monthly):

Fee per account (annual rate)	Rate
Full service account	$17.50

The fees described above shall be invoiced and paid within 30 days after the end of the month in which the services were performed.

Any revision of the schedule of charges set forth herein shall require the affirmative vote of a majority of the members of the board of trustees of the Series.

7. a. All Fund-specific charges from third parties -- including DST charges, payments described in the next sentence, postage, National Securities Clearing Corporation (NSCC) transaction charges and similar out-of-pocket expenses -- will be passed through directly to the Series or other participating investment companies, as applicable. AFS, subject to approval of its board of directors, is authorized in its discretion to negotiate payments to third parties for account maintenance and/or transaction processing services described in paragraph 7.b. provided such payments do not exceed the anticipated savings to the Series, either in fees payable to AFS hereunder or in other direct Series expenses, that AFS reasonably anticipates would be realized by the Series from using the services of such third party rather than maintaining the accounts directly on AFS’ books and/or processing non-automated transactions.

b. During the term of this Agreement, AFS shall perform or cause to be performed the shareholder services set forth in Exhibit B hereto, as such exhibit may be amended from time to time by mutual consent of the parties.

8. It is understood that AFS may have income in excess of its expenses and may accumulate capital and surplus. AFS is not, however, permitted to distribute any net income or accumulated surplus to its parent, CRMC, in the form of a dividend without the affirmative vote of a majority of the members of the boards of directors/trustees of the Series and all participating investment companies.

9. This Agreement may be amended at any time by mutual agreement of the parties, with agreement of the Series to be evidenced by affirmative vote of a majority of the members of the board of trustees of the Series.

10. This Agreement may be terminated on 180 days’ written notice by either party. In the event of a termination of this Agreement, AFS and the Series will each extend full cooperation in effecting a conversion to whatever successor shareholder service provider(s) the Series may select, it being understood that all records relating to the Series, the Funds and the Funds’ shareholders are property of the Series.

11. In the event of a termination of this Agreement by the Series, the Series will pay to AFS as a termination fee each Fund’s proportionate share of any costs of conversion of the Fund’s shareholder service from AFS to a successor. In the event of termination of this Agreement and all corresponding agreements with all the participating investment companies, all assets of AFS will be sold or otherwise converted to cash, with a view to the liquidation of AFS when it ceases to provide shareholder services for the participating investment companies. To the extent any such assets are sold by AFS to CRMC and/or any of its affiliates, such sales shall be at fair market value at the time of sale as agreed upon by AFS, the purchasing company or companies, and the Review and Advisory Committee. After all assets of AFS have been converted to cash and all liabilities of AFS have been paid or discharged, an amount equal to any capital or paid-in surplus of AFS that shall have been contributed by CRMC or its affiliates shall be set aside in cash for distribution to CRMC upon liquidation of AFS. Any other capital or surplus and any assets of AFS remaining after the foregoing provisions for liabilities and return of capital or paid-in surplus to CRMC shall be distributed to the participating investment companies in such proportions as may be determined by the Review and Advisory Committee.

12. In the event of disagreement between the Series and AFS, or between the Series and other participating investment companies as to any matter arising under this Agreement, which the parties to the disagreement are unable to resolve, the question shall be referred to the Review and Advisory Committee for resolution. If the Review and Advisory Committee is unable to resolve the question to the satisfaction of both parties, either party may elect to submit the question to arbitration; one arbitrator to be named by each party to the disagreement and a third arbitrator to be selected by the two arbitrators named by the original parties. The decision of a majority of the arbitrators shall be final and binding on all parties to the arbitration. The expenses of such arbitration shall be paid by the party electing to submit the question to arbitration.

13. The obligations of the Series under this Agreement are not binding upon any of the trustees, officers, employees, agents or shareholders of the Series or each Fund individually, but bind only the Series and each Fund. AFS agrees to look solely to the assets of each Fund for the satisfaction of any liability of the Funds in respect to this Agreement and will not seek recourse against such trustees, officers, employees, agents or shareholders, or any of them or their personal assets for such satisfaction.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their officers thereunto duly authorized, as of January 1, 2021.

AMERICAN FUNDS SERVICE COMPANY	AMERICAN FUNDS INSURANCE SERIES

By /s/ Angela M. Mitchell	By /s/ Steven I. Koszalka
Angela M. Mitchell	Steven I. Koszalka
Secretary	Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Shareholder Services Agreement

Fund	Effective Date
Global Growth Fund	January 1, 2021
Global Small Capitalization Fund	January 1, 2021
Growth Fund¹	January 1, 2021
International Fund¹	January 1, 2021
New World Fund	January 1, 2021
Blue Chip Income and Growth Fund	January 1, 2021
Global Growth and Income Fund	January 1, 2021
Growth-Income Fund¹	January 1, 2021
International Growth and Income Fund	January 1, 2021
Capital Income Builder	January 1, 2021
Asset Allocation Fund¹	January 1, 2021
Global Balanced Fund	January 1, 2021
Bond Fund	January 1, 2021
Corporate Bond Fund	January 1, 2021
Capital World Bond Fund	January 1, 2021
High-Income Bond Fund¹	January 1, 2021
American Funds Mortgage Fund	January 1, 2021
Ultra-Short Bond Fund¹	January 1, 2021
U.S. Government/AAA-Rated Securities Fund¹	January 1, 2021

Managed Risk Growth Fund²	January 1, 2021
Managed Risk International Fund²	January 1, 2021
Managed Risk Blue Chip Income and Growth Fund²	January 1, 2021
Managed Risk Growth-Income Fund²	January 1, 2021
Managed Risk Asset Allocation Fund²	January 1, 2021

Portfolio Series – American Funds Global Growth Portfolio	January 1, 2021
Portfolio Series – American Funds Growth and Income Portfolio	January 1, 2021

Portfolio Series – American Funds Managed Risk Growth Portfolio²	January 1, 2021
Portfolio Series – American Funds Managed Risk Growth and Income Portfolio²	January 1, 2021
Portfolio Series – American Funds Managed Risk Global Allocation Portfolio²	January 1, 2021

Target Date Series - American Funds IS 2035 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2030 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2025 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2020 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2015 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2010 Target Date Fund³	January 1, 2021

¹ Fund offers Class 3 shares

² Fund offers Class P1 and P2 shares only. Does not offer Class 1, 1A, 2, 3, or 4 shares

³ Fund offers Class 1, 1A, 2 and 4 shares only. Does not offer Class 3, P1, or P2 shares

Exhibit B

to the

Amended and Restated Shareholder Services Agreement

AFS shall act, as necessary, as stock transfer agent, dividend disbursing agent and redemption agent for the Series’ shares and shall provide such additional related services as the Series’ shares may from time to time require.

1. Record Maintenance

AFS shall maintain with respect to each shareholder holding the Series’ shares the following records:

a. Number of shares;

b. Date, price and amount of purchases and redemptions (including dividend reinvestments) and dates and amounts of dividends paid for at least the current year to date;

c. Name and address of the shareholder, including zip codes and social security numbers or taxpayer identification numbers;

d. Records of distributions and dividend payments; and

e. Any transfers of shares.

2. Shareholder Communications

AFS shall:

a. Deliver current Series summary prospectuses, prospectuses and statements of additional information and annual and other periodic reports upon shareholder request, and, as applicable, with confirmation statements.

b. Deliver statements to shareholders on no less frequently than a quarterly basis showing, among other things, the number of shares of each Fund in the Series owned by such shareholder and the net asset value of shares of the Fund as of a recent date.

c. Produce and deliver to shareholders confirmation statements reflecting purchases and redemptions of shares of each Fund in the Series.

d. Respond to shareholder inquiries regarding, among other things, share prices, account balances, dividend amounts and dividend payment dates.

3. Transactional Services

AFS shall communicate to shareholders, as to shares of the Series, purchase, redemption and exchange orders reflecting the orders it receives from shareholders. AFS shall also communicate to shareholders mergers, splits and other reorganizations.

4. Tax Information Returns and Reports

AFS shall prepare and file with the appropriate governmental agencies, such information, returns and reports as are required to be so filed for reporting: (i) dividends and other distributions made; (ii) amounts withheld on dividends and other distributions and payments under applicable federal and state laws, rules and regulations; and (iii) gross proceeds of sales transactions as required.

5. Fund Communications

AFS shall, upon request by the Series, on each business day, report the number of shares on which the transfer agency fee is to be paid pursuant to this Agreement. AFS shall also provide the Series with a monthly invoice.

6. Coordination, Oversight and Monitoring of Insurance Companies

As set forth in the Administrative Services Agreement between the Series and CRMC, CRMC shall coordinate, monitor and oversee the activities performed by the insurance companies that use the Funds in the Series as underlying investments in variable insurance contracts and polices. AFS shall monitor the insurance companies’ provision of services, including the delivery of contract holder account statements and all Series-related materials, including summary prospectuses and/or prospectuses, shareholder reports, and proxies.

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Shareholder Services Agreement

Fund	Effective Date
Global Growth Fund	January 1, 2021
Global Small Capitalization Fund	January 1, 2021
Growth Fund¹	January 1, 2021
International Fund¹	January 1, 2021
New World Fund	January 1, 2021
Washington Mutual Investors Fund	May 1, 2021
Capital World Growth and Income Fund	May 1, 2021
Growth-Income Fund¹	January 1, 2021
International Growth and Income Fund	January 1, 2021
Capital Income Builder	January 1, 2021
Asset Allocation Fund¹	January 1, 2021
Global Balanced Fund	January 1, 2021
The Bond Fund of America	May 1, 2021
Corporate Bond Fund	January 1, 2021
Capital World Bond Fund	May 1, 2020
American High-Income Trust¹	May 1, 2021
American Funds Mortgage Fund	May 1, 2020
Ultra-Short Bond Fund¹	January 1, 2021
U.S. Government Securities Fund¹	May 1, 2021

Managed Risk Growth Fund²	January 1, 2021
Managed Risk International Fund²	January 1, 2021
Managed Risk Washington Mutual Investors Fund²	May 1, 2021
Managed Risk Growth-Income Fund²	January 1, 2021
Managed Risk Asset Allocation Fund²	January 1, 2021

Portfolio Series – American Funds Global Growth Portfolio	January 1, 2021
Portfolio Series – American Funds Growth and Income Portfolio	January 1, 2021

Portfolio Series – American Funds Managed Risk Growth Portfolio²	January 1, 2021
Portfolio Series – American Funds Managed Risk Growth and Income Portfolio²	January 1, 2021
Portfolio Series – American Funds Managed Risk Global Allocation Portfolio²	January 1, 2021

Target Date Series - American Funds IS 2035 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2030 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2025 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2020 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2015 Target Date Fund³	January 1, 2021
Target Date Series - American Funds IS 2010 Target Date Fund³	January 1, 2021

¹ Fund offers Class 3 shares

² Fund offers Class P1 and P2 shares only. Does not offer Class 1, 1A, 2, 3, or 4 shares

³ Fund offers Class 1, 1A, 2 and 4 shares only. Does not offer Class 3, P1, or P2 shares

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Administrative Services Agreement

Fund	Effective Date	Termination Date
Global Growth Fund	May 1, 2021	April 30, 2022
Global Small Capitalization Fund	May 1, 2021	April 30, 2022
Growth Fund¹	May 1, 2021	April 30, 2022
International Fund¹	May 1, 2021	April 30, 2022
New World Fund	May 1, 2021	April 30, 2022
Washington Mutual Investors Fund	May 1, 2021	April 30, 2022
Capital World Growth and Income Fund	May 1, 2021	April 30, 2022
Growth-Income Fund¹	May 1, 2021	April 30, 2022
International Growth and Income Fund	May 1, 2021	April 30, 2022
Capital Income Builder	May 1, 2021	April 30, 2022
Asset Allocation Fund¹	May 1, 2021	April 30, 2022
Global Balanced Fund	May 1, 2021	April 30, 2022
The Bond Fund of America	May 1, 2021	April 30, 2022
Corporate Bond Fund	May 1, 2021	April 30, 2022
Capital World Bond Fund	May 1, 2021	April 30, 2022
American High-Income Trust¹	May 1, 2021	April 30, 2022
American Funds Mortgage Fund	May 1, 2021	April 30, 2022
Ultra-Short Bond Fund¹	May 1, 2021	April 30, 2022
U.S. Government Securities Fund¹	May 1, 2021	April 30, 2022

Managed Risk Growth Fund²	May 1, 2021	April 30, 2022
Managed Risk International Fund²	May 1, 2021	April 30, 2022
Managed Risk Washington Mutual Investors Fund²	May 1, 2021	April 30, 2022
Managed Risk Growth-Income Fund²	May 1, 2021	April 30, 2022
Managed Risk Asset Allocation Fund²	May 1, 2021	April 30, 2022

¹ Fund offers Class 3 shares

² Funds offer Class P1 and P2 shares only. Do not offer Class 1, 1A, 2, 3, or 4 shares.

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the use in this Registration Statement on Form N-1A of American Funds Insurance

Series of our reports dated as indicated in the table below, relating to the financial statements and financial highlights of the funds indicated in the table below (constituting American Funds Insurance Series), which appear in such Registration Statement. We also consent to the references to us under the headings “Financial highlights”, “Independent registered public accounting firm”, and “Prospectuses and reports to shareholders” in such Registration Statement.

Fund	Report Date
Global Growth Fund	February 12, 2021
Global Small Capitalization Fund
Growth Fund
International Fund
New World Fund^®
Washington Mutual Investors Fund^SM (formerly known as Blue Chip Income and Growth Fund)
Capital World Growth and Income Fund^® (formerly known as Global Growth and Income Fund)
Growth-Income Fund
International Growth and Income Fund
Capital Income Builder^®
Asset Allocation Fund
Global Balanced Fund
The Bond Fund of America^®(formerly known as Bond Fund)
Capital World Bond Fund^®
American High-Income Trust^®(formerly known as High-Income Bond Fund)
American Funds Mortgage Fund^®
Ultra-Short Bond Fund
U.S. Government Securities Fund^®(formerly known as U.S. Government/AAA-Rated Securities Fund)
Managed Risk Growth Fund
Managed Risk International Fund
Managed Risk Blue Chip Income and Growth Fund
Managed Risk Growth-Income Fund
Managed Risk Asset Allocation Fund
American Funds Global Growth Portfolio	February 12, 2021
American Funds Growth and Income Portfolio
American Funds Managed Risk Growth Portfolio
American Funds Managed Risk Growth and Income Portfolio
American Funds Managed Risk Global Allocation Portfolio
American Funds IS 2035 Target Date Fund	February 16, 2021
American Funds IS 2030 Target Date Fund
American Funds IS 2025 Target Date Fund
American Funds IS 2020 Target Date Fund
American Funds IS 2015 Target Date Fund
American Funds IS 2010 Target Date Fund

/s/ PricewaterhouseCoopers LLP

Los Angeles, California

April 23, 2021

AMENDED AND RESTATED PLAN OF DISTRIBUTION

AMERICAN FUNDS INSURANCE SERIES

relating to its

CLASS 1A SHARES

WHEREAS, American Funds Insurance Series (the “Series”) is a Massachusetts business trust which consists of a series of funds set forth on Exhibit A (each a “Fund” and collectively the “Funds”) and may offer additional series of funds in the future;

WHEREAS, each Fund offers Class 1A shares of beneficial interest;

WHEREAS, American Funds Distributors, Inc. (“AFD”) or any successor entity designated by the Trust (AFD and any such successor collectively are referred to as “Distributor”) will serve as distributor of the shares of beneficial interest of the Funds;

WHEREAS, the purpose of this Amended and Restated Plan of Distribution (the “Plan”) is to authorize the Series to bear expenses of distribution of a class of such shares, including payments to various insurance companies (the “Insurance Companies”) previously approved by the Board of Trustees, for certain distribution expenses incurred in connection with the Series; and

WHEREAS, the Board of Trustees of the Series has determined that there is a reasonable likelihood that this Plan will benefit the Series and its shareholders, as well as the owners of variable insurance contracts and policies that hold shares of the Series:

NOW, THEREFORE, the Series adopts this Plan as follows:

1. Payments to Insurance Companies. The Series shall pay to the Insurance Companies, pursuant to this Plan, an amount equal to 0.25 of 1% per annum of the average net assets represented by Class 1A shares of the Series to finance any distribution activity which is primarily intended to benefit the shares of the Series; provided that the Board of Trustees of the Series shall have approved categories of expenses for which payment shall be made pursuant to this paragraph.

2. Approval by the Board. This Plan shall not take effect until it has been approved, together with any related agreement, by votes of the majority of both (i) the Board of Trustees of the Series and (ii) those Trustees of the Series who are not “interested persons” of the Series as defined in the Investment Company Act of 1940, as amended (the “1940 Act”) and have no direct or indirect financial interest in the operation of this Plan or any agreement related to it (the “Independent

Trustees”), at a meeting called for the purpose of voting on this Plan and/or such agreement.

3. Review of Expenditures. At least quarterly, the Board of Trustees shall be provided by any person authorized to direct the disposition of monies paid or payable by the Series pursuant to this Plan or any related agreement, and the Board shall review, a written report of the amounts expended pursuant to this Plan and the purposes for which such expenditures were made.

4. Effective Date and Termination of Plan. This Plan shall become effective, as amended, on May 1, 2021 and may be terminated as to each Fund’s Class 1A shares at any time by vote of a majority of the Independent Trustees, or by vote of a majority of the outstanding Class 1A shares of that Fund. Unless sooner terminated in accordance with this provision, this Plan shall continue in effect until April 30, 2022. It may thereafter be continued from year to year in the manner provided for in paragraph 2 hereof. This Plan shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission. The effective and termination dates of this Plan with respect to the Funds are set forth on Exhibit A.

5. Requirements of Agreement. Any agreement related to this Plan shall be in writing, and shall provide:

that such agreement may be terminated as to the Series at any time, without payment of any penalty, by vote of a majority of the Independent Trustees or by a vote of a majority of the outstanding Class 1A shares of each Fund, on not more than sixty (60) days' written notice to any other party to the agreement; and

that such agreement shall terminate automatically in the event of its assignment.

6. Amendment. This Plan may not be amended to increase materially the maximum amount of fees or other distribution expenses provided for in paragraph 1 hereof with respect to the Class 1A shares of each Fund unless such amendment is approved by vote of a majority of the Class 1A shares of that Fund and as provided in paragraph 2 hereof, and no other material amendment to this Plan shall be made unless approved in the manner provided for in paragraph 2 hereof.

7. Nomination of Trustees. While this Plan is in effect, the selection and nomination of Independent Trustees shall be committed to the discretion of the Independent Trustees of the Trust.

8. Issuance of Additional Series of Funds. This Plan shall apply to any additional funds added to the Series that offer Class 1A shares unless the Series’ Independent Trustees otherwise provide.

9. Application to Funds. The provisions of this Plan shall apply separately to each fund of the Series, and any actions taken by the Board of Trustees or the shareholders of the Series, pursuant to paragraphs 2, 4 and 6 hereof, shall be taken separately for each fund of the Series.

10. Record Retention. The Series shall preserve copies of this Plan and any related agreement and all reports made pursuant to paragraph 3 hereof for a period of not less than six (6) years from the date of this Plan, or such agreement or reports, as the case may be, the first two (2) years of which such records shall be stored in an easily accessible place.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the Series has caused this Plan to be executed by its officer thereunto duly authorized, as of May 1, 2021.

AMERICAN FUNDS INSURANCE SERIES

By: /s/ Steven I. Koszalka

Steven I. Koszalka

Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Plan of Distribution of Class 1A Shares

Fund	Effective Date	Termination Date
Global Growth Fund	May 1, 2021	April 30, 2022
Global Small Capitalization Fund	May 1, 2021	April 30, 2022
Growth Fund	May 1, 2021	April 30, 2022
International Fund	May 1, 2021	April 30, 2022
New World Fund	May 1, 2021	April 30, 2022
Washington Mutual Investors Fund	May 1, 2021	April 30, 2022
Capital World Growth and Income Fund	May 1, 2021	April 30, 2022
Growth-Income Fund	May 1, 2021	April 30, 2022
International Growth and Income Fund	May 1, 2021	April 30, 2022
Capital Income Builder	May 1, 2021	April 30, 2022
Asset Allocation Fund	May 1, 2021	April 30, 2022
Global Balanced Fund	May 1, 2021	April 30, 2022
The Bond Fund of America	May 1, 2021	April 30, 2022
Corporate Bond Fund	May 1, 2021	April 30, 2022
Capital World Bond Fund	May 1, 2021	April 30, 2022
American High-Income Trust	May 1, 2021	April 30, 2022
American Funds Mortgage Fund	May 1, 2021	April 30, 2022
Ultra-Short Bond Fund	May 1, 2021	April 30, 2022
U.S. Government Securities Fund	May 1, 2021	April 30, 2022

Portfolio Series – American Funds Global Growth Portfolio	May 1, 2021	April 30, 2022
Portfolio Series – American Funds Growth and Income Portfolio	May 1, 2021	April 30, 2022

Target Date Series - American Funds IS 2035 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2030 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2025 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2020 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2015 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2010 Target Date Fund	May 1, 2021	April 30, 2022

AMENDED AND RESTATED PLAN OF DISTRIBUTION

AMERICAN FUNDS INSURANCE SERIES

relating to its

CLASS 2 SHARES

WHEREAS, each Fund offers Class 2 shares of beneficial interest;

NOW, THEREFORE, the Series adopts this Plan as follows:

1. Payments to Insurance Companies. The Series shall pay to the Insurance Companies, pursuant to this Plan, an amount equal to 0.25 of 1% per annum of the average net assets represented by Class 2 shares of the Series to finance any distribution activity which is primarily intended to benefit the shares of the Series; provided that the Board of Trustees of the Series shall have approved categories of expenses for which payment shall be made pursuant to this paragraph.

Trustees”), at a meeting called for the purpose of voting on this Plan and/or such agreement.

4. Effective Date and Termination of Plan. This Plan shall become effective, as amended, on May 1, 2021 and may be terminated as to each Fund’s Class 2 shares at any time by vote of a majority of the Independent Trustees, or by vote of a majority of the outstanding Class 2 shares of that Fund. Unless sooner terminated in accordance with this provision, this Plan shall continue in effect until April 30, 2022. It may thereafter be continued from year to year in the manner provided for in paragraph 2 hereof. This Plan shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission. The effective and termination dates of this Plan with respect to the Funds are set forth on Exhibit A.

5. Requirements of Agreement. Any agreement related to this Plan shall be in writing, and shall provide:

that such agreement may be terminated as to the Series at any time, without payment of any penalty, by vote of a majority of the Independent Trustees or by a vote of a majority of the outstanding Class 2 shares of each Fund, on not more than sixty (60) days' written notice to any other party to the agreement; and

that such agreement shall terminate automatically in the event of its assignment.

6. Amendment. This Plan may not be amended to increase materially the maximum amount of fees or other distribution expenses provided for in paragraph 1 hereof with respect to the Class 2 shares of each Fund unless such amendment is approved by vote of a majority of the Class 2 shares of that Fund and as provided in paragraph 2 hereof, and no other material amendment to this Plan shall be made unless approved in the manner provided for in paragraph 2 hereof.

7. Nomination of Trustees. While this Plan is in effect, the selection and nomination of Independent Trustees shall be committed to the discretion of the Independent Trustees of the Trust.

8. Issuance of Additional Series of Funds. This Plan shall apply to any additional funds added to the Series that offer Class 2 shares unless the Series’ Independent Trustees otherwise provide.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the Series has caused this Plan to be executed by its officer thereunto duly authorized, as of May 1, 2021.

AMERICAN FUNDS INSURANCE SERIES

By: /s/ Steven I. Koszalka

Steven I. Koszalka

Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Plan of Distribution of Class 2 Shares

Fund	Effective Date	Termination Date
Global Growth Fund	May 1, 2021	April 30, 2022
Global Small Capitalization Fund	May 1, 2021	April 30, 2022
Growth Fund	May 1, 2021	April 30, 2022
International Fund	May 1, 2021	April 30, 2022
New World Fund	May 1, 2021	April 30, 2022
Washington Mutual Investors Fund	May 1, 2021	April 30, 2022
Capital World Growth and Income Fund	May 1, 2021	April 30, 2022
Growth-Income Fund	May 1, 2021	April 30, 2022
International Growth and Income Fund	May 1, 2021	April 30, 2022
Capital Income Builder	May 1, 2021	April 30, 2022
Asset Allocation Fund	May 1, 2021	April 30, 2022
Global Balanced Fund	May 1, 2021	April 30, 2022
The Bond Fund of America	May 1, 2021	April 30, 2022
Corporate Bond Fund	May 1, 2021	April 30, 2022
Capital World Bond Fund	May 1, 2021	April 30, 2022
American High-Income Trust	May 1, 2021	April 30, 2022
American Funds Mortgage Fund	May 1, 2021	April 30, 2022
Ultra-Short Bond Fund	May 1, 2021	April 30, 2022
U.S. Government Securities Fund	May 1, 2021	April 30, 2022

Portfolio Series – American Funds Global Growth Portfolio	May 1, 2021	April 30, 2022
Portfolio Series – American Funds Growth and Income Portfolio	May 1, 2021	April 30, 2022

Target Date Series - American Funds IS 2035 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2030 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2025 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2020 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2015 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2010 Target Date Fund	May 1, 2021	April 30, 2022

AMENDED AND RESTATED PLAN OF DISTRIBUTION

AMERICAN FUNDS INSURANCE SERIES

relating to its

CLASS 3 SHARES

WHEREAS, American Funds Insurance Series (the “Series”) is a Massachusetts Business Trust which consists of a series of funds set forth on Exhibit A (each a “Fund” and collectively the “Funds”) and may offer additional series of funds in the future;

WHEREAS, each Fund offers Class 3 shares of beneficial interest;

WHEREAS, the purpose of this Amended and Restated Plan of Distribution (the “Plan”) is to authorize the Series to bear expenses of distribution of a class of such shares, including payments to AIG SunAmerica (“SunAmerica”) previously approved by the Board of Trustees, for certain distribution expenses incurred in connection with the Series; and

NOW, THEREFORE, the Series adopts this Plan as follows:

1. Payments to SunAmerica. The Series shall pay to SunAmerica, pursuant to this Plan, an amount equal to 0.18 of 1% per annum of the average net assets represented by Class 3 shares of the Series to finance any distribution activity which is primarily intended to benefit the shares of the Series; provided that the Board of Trustees of the Series shall have approved categories of expenses for which payment shall be made pursuant to this paragraph.

Trustees”), at a meeting called for the purpose of voting on this Plan and/or such agreement.

3. Review of Expenditures. At least quarterly, the Board of Trustees shall be provided by any person authorized to direct the disposition of monies paid or payable by the Series pursuant to this Plan or any related agreement, and the Board shall review, a written report of the amounts expended pursuant to the Plan and the purposes for which such expenditures were made.

4. Effective Date and Termination of Plan. This Plan shall become effective, as amended, on May 1, 2021 and may be terminated as to each Fund’s Class 3 shares at any time by vote of a majority of the Independent Trustees, or by vote of a majority of the outstanding Class 3 shares of that Fund. Unless sooner terminated in accordance with this provision, this Plan shall continue in effect until April 30, 2022. It may thereafter be renewed from year to year in the manner provided for in paragraph 2 hereof. This Plan shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission. The effective and termination dates of this Plan with respect to the Funds are set forth on Exhibit A.

5. Requirements of Agreement. Any agreement related to this Plan shall be in writing, and shall provide:

that such agreement may be terminated as to the Series at any time, without payment of any penalty, by vote of a majority of the Independent Trustees or by a vote of a majority of the outstanding Class 3 shares of each Fund, on not more than sixty (60) days' written notice to any other party to the agreement; and

that such agreement shall terminate automatically in the event of its assignment.

6. Amendment. This Plan may not be amended to increase materially the maximum amount of fees or other distribution expenses provided for in paragraph 1 hereof with respect to the Class 3 shares of each Fund unless such amendment is approved by a vote of a majority of the Class 3 shares of that Fund and as provided in paragraph 2 hereof,, and no material amendment to this Plan shall be made unless approved in the manner provided for in paragraph 2 hereof.

7. Nomination of Trustees. While this Plan is in effect, the selection and nomination of Independent Trustees shall be committed to the discretion of the Trustees of the Trust.

8. Issuance of Additional Series of Funds. This Plan shall apply to any additional funds added to the Series that offer Class 3 shares unless the Series’ Independent Trustees otherwise provide.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the Series has caused this Plan to be executed by its officer thereunto duly authorized, as of May 1, 2021.

AMERICAN FUNDS INSURANCE SERIES

By: /s/ Steven I. Koszalka

Steven I. Koszalka

Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Plan of Distribution of Class 3 Shares

Fund	Effective Date	Termination Date
Growth Fund	May 1, 2021	April 30, 2022
International Fund	May 1, 2021	April 30, 2022
Growth-Income Fund	May 1, 2021	April 30, 2022
Asset Allocation Fund	May 1, 2021	April 30, 2022
American High-Income Trust	May 1, 2021	April 30, 2022
Ultra-Short Bond Fund	May 1, 2021	April 30, 2022
U.S. Government Securities Fund	May 1, 2021	April 30, 2022

AMENDED AND RESTATED PLAN OF DISTRIBUTION

AMERICAN FUNDS INSURANCE SERIES

relating to its

CLASS 4 SHARES

WHEREAS, each Fund offers Class 4 shares of beneficial interest;

NOW, THEREFORE, the Series adopts this Plan as follows:

1. Payments to Insurance Companies. The Series shall pay to the Insurance Companies, pursuant to this Plan, an amount equal to 0.25 of 1% per annum of the average net assets represented by Class 4 shares of the Series to finance any distribution activity which is primarily intended to benefit the shares of the Series; provided that the Board of Trustees of the Series shall have approved categories of expenses for which payment shall be made pursuant to this paragraph.

Trustees”), at a meeting called for the purpose of voting on this Plan and/or such agreement.

4. Effective Date and Termination of Plan. This Plan shall become effective, as amended, on May 1, 2021 and may be terminated as to each Fund’s Class 4 shares at any time by vote of a majority of the Independent Trustees, or by vote of a majority of the outstanding Class 4 shares of that Fund. Unless sooner terminated in accordance with this provision, this Plan shall continue in effect until April 30, 2022. It may thereafter be continued from year to year in the manner provided for in paragraph 2 hereof. This Plan shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission. The effective and termination dates of this Plan with respect to the Funds are set forth on Exhibit A.

5. Requirements of Agreement. Any agreement related to this Plan shall be in writing, and shall provide:

that such agreement may be terminated as to the Series at any time, without payment of any penalty, by vote of a majority of the Independent Trustees or by a vote of a majority of the outstanding Class 4 shares of each Fund, on not more than sixty (60) days' written notice to any other party to the agreement; and

that such agreement shall terminate automatically in the event of its assignment.

6. Amendment. This Plan may not be amended to increase materially the maximum amount of fees or other distribution expenses provided for in paragraph 1 hereof with respect to the Class 4 shares of each Fund unless such amendment is approved by vote of a majority of the Class 4 shares of that Fund and as provided in paragraph 2 hereof, and no other material amendment to this Plan shall be made unless approved in the manner provided for in paragraph 2 hereof.

7. Nomination of Trustees. While this Plan is in effect, the selection and nomination of Independent Trustees shall be committed to the discretion of the Independent Trustees of the Trust.

8. Issuance of Additional Series of Funds. This Plan shall apply to any additional funds added to the Series that offer Class 4 shares unless the Series’ Independent Trustees otherwise provide.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the Series has caused this Plan to be executed by its officer thereunto duly authorized, as of May 1, 2021.

AMERICAN FUNDS INSURANCE SERIES

By: /s/ Steven I. Koszalka

Steven I. Koszalka

Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Plan of Distribution of Class 4 Shares

Fund	Effective Date	Termination Date
Global Growth Fund	May 1, 2021	April 30, 2022
Global Small Capitalization Fund	May 1, 2021	April 30, 2022
Growth Fund	May 1, 2021	April 30, 2022
International Fund	May 1, 2021	April 30, 2022
New World Fund	May 1, 2021	April 30, 2022
Washington Mutual Investors Fund	May 1, 2021	April 30, 2022
Capital World Growth and Income Fund	May 1, 2021	April 30, 2022
Growth-Income Fund	May 1, 2021	April 30, 2022
International Growth and Income Fund	May 1, 2021	April 30, 2022
Capital Income Builder	May 1, 2021	April 30, 2022
Asset Allocation Fund	May 1, 2021	April 30, 2022
Global Balanced Fund	May 1, 2021	April 30, 2022
The Bond Fund of America	May 1, 2021	April 30, 2022
Corporate Bond Fund	May 1, 2021	April 30, 2022
Capital World Bond Fund	May 1, 2021	April 30, 2022
American High-Income Trust	May 1, 2021	April 30, 2022
American Funds Mortgage Fund	May 1, 2021	April 30, 2022
Ultra-Short Bond Fund	May 1, 2021	April 30, 2022
U.S. Government Securities Fund	May 1, 2021	April 30, 2022

Portfolio Series – American Funds Global Growth Portfolio	May 1, 2021	April 30, 2022
Portfolio Series – American Funds Growth and Income Portfolio	May 1, 2021	April 30, 2022

Target Date Series - American Funds IS 2035 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2030 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2025 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2020 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2015 Target Date Fund	May 1, 2021	April 30, 2022
Target Date Series - American Funds IS 2010 Target Date Fund	May 1, 2021	April 30, 2022

AMENDED AND RESTATED PLAN OF DISTRIBUTION

AMERICAN FUNDS INSURANCE SERIES

relating to its

CLASS P1 SHARES

WHEREAS, each Fund offers Class P1 shares of beneficial interest;

WHEREAS, the purpose of this Amended and Restated Plan of Distribution (the "Plan") is to authorize the Series to bear expenses of distribution of a class of such shares, including payments to various insurance companies (the “Insurance Companies”) previously approved by the Board of Trustees, for certain distribution expenses incurred in connection with the Series; and

NOW, THEREFORE, the Series adopts this Plan as follows:

1. Payments to Insurance Companies. The Series shall pay to the Insurance Companies, pursuant to this Plan, an amount equal to 0.25 of 1% per annum of the average net assets represented by Class P1 shares of the Series to finance any distribution activity which is primarily intended to benefit the shares of the Series; provided that the Board of Trustees of the Series shall have approved categories of expenses for which payment shall be made pursuant to this paragraph.

2. Approval by the Board. This Plan shall not take effect until it has been approved, together with any related agreement, by votes of the majority of both (i) the Board of Trustees of the Series and (ii) those Trustees of the Series who are not "interested persons" of the Series as defined in the Investment Company Act of 1940, as amended (the “1940 Act”), and have no direct or indirect financial interest in the operation of this Plan or any agreement related to it (the “Independent

Trustees”), at a meeting called for the purpose of voting on this Plan and/or such agreement.

4. Effective Date and Termination of Plan. This Plan shall become effective, as amended, on May 1, 2021 and may be terminated as to each Fund’s Class P1 shares at any time by vote of a majority of the Independent Trustees, or by vote of a majority of the outstanding Class P1 shares of that Fund. Unless sooner terminated in accordance with this provision, this Plan shall continue in effect until April 30, 2022. It may thereafter be continued from year to year in the manner provided for in paragraph 2 hereof. This Plan shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission. The effective and termination dates of this Plan with respect to the Funds are set forth on Exhibit A.

5. Requirements of Agreement. Any agreement related to this Plan shall be in writing, and shall provide:

that such agreement may be terminated as to the Series at any time, without payment of any penalty, by vote of a majority of the Independent Trustees or by a vote of a majority of the outstanding Class P1 shares of each Fund, on not more than sixty (60) days' written notice to any other party to the agreement; and

that such agreement shall terminate automatically in the event of its assignment.

6. Amendment. This Plan may not be amended to increase materially the maximum amount of fees or other distribution expenses provided for in paragraph 1 hereof with respect to the Class P1 shares of each Fund unless such amendment is approved by vote of a majority of the Class P1 shares of that Fund and as provided in paragraph 2 hereof, and no other material amendment to this Plan shall be made unless approved in the manner provided for in paragraph 2 hereof.

7. Nomination of Trustees. While this Plan is in effect, the selection and nomination of Independent Trustees shall be committed to the discretion of the Independent Trustees of the Trust.

8. Issuance of Additional Series of Funds. This Plan shall apply to any additional funds added to the Series that offer Class P1 shares unless the Series’ Independent Trustees otherwise provide.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the Series has caused this Plan to be executed by its officer thereunto duly authorized, as of May 1, 2021.

AMERICAN FUNDS INSURANCE SERIES

By: /s/ Steven I. Koszalka

Steven I. Koszalka

Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Plan of Distribution of Class P1 Shares

Fund	Effective Date	Termination Date
Managed Risk Growth Fund	5/1/21	4/30/22
Managed Risk International Fund	5/1/21	4/30/22
Managed Risk Washington Mutual Investors Fund	5/1/21	4/30/22
Managed Risk Growth-Income Fund	5/1/21	4/30/22
Managed Risk Asset Allocation Fund	5/1/21	4/30/22

Portfolio Series – American Funds Managed Risk Growth Portfolio	5/1/21	4/30/22
Portfolio Series – American Funds Managed Risk Growth and Income Portfolio	5/1/21	4/30/22
Portfolio Series – American Funds Managed Risk Global Allocation Portfolio	5/1/21	4/30/22

AMENDED AND RESTATED PLAN OF DISTRIBUTION

AMERICAN FUNDS INSURANCE SERIES

relating to its

CLASS P2 SHARES

WHEREAS, each Fund offers Class P2 shares of beneficial interest;

NOW, THEREFORE, the Series adopts this Plan as follows:

1. Payments to Insurance Companies. The Series shall pay to the Insurance Companies, pursuant to this Plan, an amount equal to 0.50 of 1% per annum of the average net assets represented by Class P2 shares of the Series to finance any distribution activity which is primarily intended to benefit the shares of the Series; provided that the Board of Trustees of the Series shall have approved categories of expenses for which payment shall be made pursuant to this paragraph.

2. Approval by the Board. This Plan shall not take effect until it has been approved, together with any related agreement, by votes of the majority of both (i) the Board of Trustees of the Series and (ii) those Trustees of the Series who are not “interested persons” of the Series as defined in the Investment Company Act of 1940, as amended (the “1940 Act”), and have no direct or indirect financial interest in the operation of this Plan or any agreement related to it (the “Independent

Trustees”), at a meeting called for the purpose of voting on this Plan and/or such agreement.

4. Effective Date and Termination of Plan. This Plan shall become effective, as amended, on May 1, 2021 and may be terminated as to each Fund’s Class P2 shares at any time by vote of a majority of the Independent Trustees, or by vote of a majority of the outstanding Class P2 shares of that Fund. Unless sooner terminated in accordance with this provision, this Plan shall continue in effect until April 30, 2022. It may thereafter be continued from year to year in the manner provided for in paragraph 2 hereof. This Plan shall be approved, amended, continued or renewed in accordance with requirements of the 1940 Act and rules, orders and guidance adopted or issued by the U.S. Securities and Exchange Commission. The effective and termination dates of this Plan with respect to the Funds are set forth on Exhibit A.

5. Requirements of Agreement. Any agreement related to this Plan shall be in writing, and shall provide:

that such agreement may be terminated as to the Series at any time, without payment of any penalty, by vote of a majority of the Independent Trustees or by a vote of a majority of the outstanding Class P2 shares of each Fund, on not more than sixty (60) days' written notice to any other party to the agreement; and

that such agreement shall terminate automatically in the event of its assignment.

6. Amendment. This Plan may not be amended to increase materially the maximum amount of fees or other distribution expenses provided for in paragraph 1 hereof with respect to the Class P2 shares of each Fund unless such amendment is approved by vote of a majority of the Class P2 shares of that Fund and as provided in paragraph 2 hereof, and no other material amendment to this Plan shall be made unless approved in the manner provided for in paragraph 2 hereof.

7. Nomination of Trustees. While this Plan is in effect, the selection and nomination of Independent Trustees shall be committed to the discretion of the Independent Trustees of the Trust.

8. Issuance of Additional Series of Funds. This Plan shall apply to any additional funds added to the Series that offer Class P2 shares unless the Series’ Independent Trustees otherwise provide.

[Remainder of page intentionally left blank.]

IN WITNESS WHEREOF, the Series has caused this Plan to be executed by its officer thereunto duly authorized, as of May 1, 2021.

AMERICAN FUNDS INSURANCE SERIES

By: /s/ Steven I. Koszalka

Steven I. Koszalka

Secretary

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Plan of Distribution of Class P2 Shares

Fund	Effective Date	Termination Date
Managed Risk Growth Fund	5/1/21	4/30/22
Managed Risk International Fund	5/1/21	4/30/22
Managed Risk Washington Mutual Investors Fund	5/1/21	4/30/22
Managed Risk Growth-Income Fund	5/1/21	4/30/22
Managed Risk Asset Allocation Fund	5/1/21	4/30/22

Portfolio Series – American Funds Managed Risk Growth Portfolio	5/1/21	4/30/22
Portfolio Series – American Funds Managed Risk Growth and Income Portfolio	5/1/21	4/30/22
Portfolio Series – American Funds Managed Risk Global Allocation Portfolio	5/1/21	4/30/22

EXHIBIT A

to the

American Funds Insurance Series

Amended and Restated Multiple Class Plan

Fund	Effective Date
Global Growth Fund	September 18, 2019
Global Small Capitalization Fund	September 18, 2019
Growth Fund¹	September 18, 2019
International Fund¹	September 18, 2019
New World Fund	September 18, 2019
Washington Mutual Investors Fund	May 1, 2021
Capital World Growth and Income Fund	May 1, 2021
Growth-Income Fund¹	September 18, 2019
International Growth and Income Fund	September 18, 2019
Capital Income Builder	September 18, 2019
Asset Allocation Fund¹	September 18, 2019
Global Balanced Fund	September 18, 2019
The Bond Fund of America	May 1, 2021
Corporate Bond Fund	September 18, 2019
Capital World Bond Fund	May 1, 2020
American High-Income Trust¹	May 1, 2021
American Funds Mortgage Fund	May 1, 2020
Ultra-Short Bond Fund¹	September 18, 2019
U.S. Government Securities Fund¹	May 1, 2021

Managed Risk Growth Fund²	September 18, 2019
Managed Risk International Fund²	September 18, 2019
Managed Risk Washington Mutual Investors Fund²	May 1, 2021
Managed Risk Growth-Income Fund²	September 18, 2019
Managed Risk Asset Allocation Fund²	September 18, 2019

Portfolio Series – American Funds Global Growth Portfolio	September 18, 2019
Portfolio Series – American Funds Growth and Income Portfolio	September 18, 2019

Portfolio Series – American Funds Managed Risk Growth Portfolio²	September 18, 2019
Portfolio Series – American Funds Managed Risk Growth and Income Portfolio²	September 18, 2019
Portfolio Series – American Funds Managed Risk Global Allocation Portfolio²	September 18, 2019

Target Date Series - American Funds IS 2035 Target Date Fund³	September 18, 2019
Target Date Series - American Funds IS 2030 Target Date Fund³	September 18, 2019
Target Date Series - American Funds IS 2025 Target Date Fund³	September 18, 2019
Target Date Series - American Funds IS 2020 Target Date Fund³	September 18, 2019
Target Date Series - American Funds IS 2015 Target Date Fund³	September 18, 2019
Target Date Series - American Funds IS 2010 Target Date Fund³	September 18, 2019

¹ Fund offers Class 3 shares

² Fund offers Class P1 and P2 shares only. Does not offer Class 1, 1A, 2, 3, or 4 shares

³Fund offers Class 1, 1A, 2, and 4 shares only. Does not offer Class 3, P1 or P2 shares

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Code of Ethics

April 2021

Guidelines

Capital Group associates are responsible for maintaining the highest ethical standards. The Code of Ethics is intended to help associates observe exemplary standards of integrity, honesty and trust. It sets out standards for our personal conduct, including personal investing, gifts and entertainment, outside business interests and affiliations, political contributions, insider trading, and client confidentiality.

Our fund shareholders and clients have placed their trust in Capital to manage their assets. As investment advisers, we act as fiduciaries to our clients. This means we owe them both a duty of care and a duty of loyalty.

Capital has earned a reputation over many years for acting with the highest integrity and ethics. Reputations are fragile, however, and Capital’s reputation can be harmed if any of us fails to act ethically and in the best interests of our clients. We each must hold ourselves to the highest standards of behavior, regardless of business custom, and strive to avoid even the appearance of impropriety. We all share this responsibility — if you have any doubt whether an action or circumstance is consistent with our standards, raise it.

Associates should be aware that their actions outside of the workplace can reflect on the ethics of our organization and potentially harm our reputation. For this reason, associates should exercise caution and good judgment in order to avoid having their actions outside of the workplace impact Capital, our workplace or our associates.

No set of rules can anticipate every possible situation, so it is essential that associates adhere to the spirit as well as the letter of the Code of Ethics. Any activity that compromises the trust our clients have placed in us, even if it does not expressly violate a rule, has the potential to harm our reputation. Associates are reminded of one of Capital’s core principles: that we must do the right thing as a matter of principle, not just in observance of policy.

In addition to the specific policies described below, associates have the following fundamental obligations under the Code of Ethics:

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Associates must avoid those situations that might place, or appear to place, their personal interests in conflict with the interests of Capital, our clients or fund shareholders.

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Associates must not take advantage of their role with Capital to benefit themselves or another party.

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Associates must comply with the laws, rules and regulations that apply to us in the conduct of our business.

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Associates must promptly report violations of the Code of Ethics.

It is important that all associates comply with the Code of Ethics, including its related guidelines and policies. Failure to do so could result in disciplinary action, including termination.

Questions regarding the Code of Ethics may be directed to the Code of Ethics Team.

Protecting sensitive information

Antifraud provisions of U.S. securities laws as well as the laws of other countries generally prohibit persons in possession of material non-public information from trading on or communicating the information to others. Associates who believe they may have material non-public information should contact a member of the Legal staff.

Capital Group regularly creates, collects and maintains valuable proprietary information, which is essential to our business operations and the performance of services for our clients. This information derives its value, in part, from not being generally known outside of Capital (hereinafter “Confidential Information”). It includes confidential electronic information in any medium, hard-copy information, and information shared orally or visually (such as by telephone or video conference). The confidentiality, integrity and limited availability of such information is regarded as fundamental to the successful business operations of Capital Group. The purpose of this Confidential Information Policy is to protect our information from disclosure – intentional or inadvertent – and to ensure that associates understand their obligation to protect and maintain its confidentiality.

Extravagant or excessive gifts and entertainment

Associates should not accept extravagant or excessive gifts or entertainment from persons or companies that conduct or may conduct business with Capital. Please see below for a summary of the Gifts and Entertainment Policy.

No special treatment from broker-dealers

Associates may not accept negotiated commission rates or any other terms they believe may be more favorable than the broker-dealer grants to accounts with similar characteristics. U.S. broker-dealers are subject to certain rules designed to prevent favoritism toward such accounts. Favors or preferential treatment from broker-dealers may not be accepted. This rule applies to the associate’s spouse/spouse equivalent and any immediate family member residing in the same household.

No excessive trading of Capital-affiliated funds

Associates should not engage in excessive trading of the American Funds or other Capital-managed investment vehicles worldwide in order to take advantage of short-term market movements. Excessive activity, such as a frequent pattern of exchanges, could involve actual or potential harm to shareholders or clients. This rule applies to the associate’s spouse/spouse equivalent and any immediate family member residing in the same household.

Ban on Initial Public Offerings (IPOs) and Initial Coin Offerings (ICOs)

All associates and immediate family members residing in the same household may not participate in IPOs or ICOs.

Exceptions for participation in IPOs are rarely granted; however, they will be considered on a case-by-case basis (for example, where a family member is employed by the IPO company and IPO shares are considered part of that family member’s compensation).

Avoiding conflicts

Associates must avoid conflicts of interest that can occur when their business, financial or other interests interfere, or reasonably appear to interfere, with their duty to serve the interests of Capital and our clients. Conflicts of interest include any situation where financial or other personal factors compromise objectivity or professional judgment. Even the appearance of conflict could negatively impact Capital and harm our reputation.

Portfolio managers and investment analysts should be aware of the potential conflicts that can arise when they invest on behalf of fund shareholders and clients. The investments we make for our clients must be based on their best interests, and should not be, or appear to be, based on the self-interest of our associates. Accordingly, members of the investment group must disclose to the Code of Ethics Team if they or any of their family members, such as parents, children, siblings, in-laws or other family members with whom they have a close relationship, has a material business, financial or personal relationship with a company that they hold or are eligible to purchase professionally. Examples of a material relationship include: (1) a family member serving as a senior officer or executive of a portfolio company, (2) significant beneficial ownership of a portfolio company by the associate or their family members, and (3) involvement by the associate or a family member in a significant transaction or business opportunity with a portfolio company.

In addition, associates should avoid conflicts related to Capital’s business, and therefore must not:

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Engage in a business that competes, directly or indirectly, with the interests of Capital, or is related to their role or responsibilities at Capital;

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Act for Capital in any transaction or business relationship that involves the associate, members of their family or other people or organizations with whom the associate or their family member(s) have a significant personal connection or financial interest;

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Negotiate with Capital on behalf of any such people or organizations; or

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Use or attempt to use their position at Capital to obtain any improper personal benefit for themselves, family member(s) or any other party.

No policy can anticipate every possible conflict of interest and all associates must be vigilant in guarding against anything that could color our judgment. Any associate who is aware of a transaction or relationship that could reasonably be expected to give rise to a conflict of interest or perceived conflict of interest must disclose the matter promptly to a member of the Code of Ethics Team. If there is any doubt or if something does not feel consistent with our standards, raise the issue.

Any changes in a previously disclosed potential conflict, outside business interest or affiliation that could be relevant to an evaluation of a potential conflict must also be promptly disclosed. Examples of changes to disclose include: (1) a change in research coverage of an investment analyst to include a company with a family member serving as a senior executive (even if the senior executive relationship had previously been disclosed); (2) a change in an associate’s role to trader if the associate had previously disclosed a sibling who works as a sell-side trader; and 3) a change in the line of business or activities of an outside business interest of an associate.

Outside business interests/affiliations

Associates should avoid outside business interests or affiliations that may give rise to conflicts of interest or that may create divided loyalties, divert substantial amounts of their time, or compromise their independent judgment.

Associates must obtain approval from the Code of Ethics Team to serve on the board of directors or as an advisory board member of any public or private company. This rule does not apply to: (1) boards of Capital companies or funds; (2) board service that is a direct result of the associate’s responsibilities at Capital, such as for portfolio companies of private equity funds managed by Capital; or (3) boards of non-profit and charitable organizations. Associates must disclose to the Code of Ethics Team if they serve on the board of a non-profit or charitable organization that has issued or has future plans to issue publicly held securities, including debt obligations.

In addition, associates must disclose to the Code of Ethics Team if they or any of their family members, such as parents, children, siblings, in-laws or other family members with whom they have a close relationship:

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serves as a board director or as an advisory board member of,

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holds a senior officer position, such as CEO, CFO or Treasurer with, or

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owns 5% or more, individually or together with other such family members, of

any public company or any private company that may be reasonably expected to go public.

In addition to the disclosure obligations set forth above, associates should be mindful of and must disclose to the Code of Ethics Team any other outside business interest or activity that may present a conflict of interest or the appearance of a conflict of interest or that may compromise their independent judgment. For example, associates must disclose if they have a significant interest in a private company that does business with or competes with Capital, even if that company is not reasonably expected to go public.

Family members employed by a financial institution

Associates who are “Covered Associates” (as defined below) must disclose if any of their family members, such as parents, children, siblings, in-laws or other family members with whom they have a close relationship, is employed by a broker-dealer, investment adviser or other firm that provides investment research or trade execution services to Capital.

Requests for approval or questions may be directed to the Code of Ethics Team.

Other guidelines

Statements and disclosures about Capital, including those made to fund shareholders and clients and in regulatory filings, should be accurate and not misleading.

Reporting requirements

Annual certification of the Code of Ethics

All associates are required to certify at least annually that they have read and understand the Code of Ethics. Questions or issues relating to the Code of Ethics should be directed to the associate’s manager or the Code of Ethics Team.

Reporting violations

All associates are responsible for complying with the Code of Ethics. As part of that responsibility, associates are obligated to report violations of the Code of Ethics promptly, including: (1) fraud or illegal acts involving any aspect of Capital’s business; (2) noncompliance with applicable laws, rules and regulations; (3) intentional or material misstatements in regulatory filings, internal books and records, or client records and reports; or (4) activity that is harmful to fund shareholders or clients. Deviations from controls or procedures that safeguard Capital, including the assets of shareholders and clients, should also be reported. Reported violations of the Code of Ethics will be investigated and appropriate action will be taken, which may include reporting the matter to the firm’s regulator if determined to be appropriate by legal counsel. Once a violation has been reported, all associates are required to cooperate with Capital in the internal investigation of any matter by providing honest, truthful and complete information.

Associates may report confidentially to a manager/department head or to the Open Line Committee.

Associates may also contact the Chief Compliance Officers of CB&T, CIInc, CRC, or CRMC, or legal counsel employed with Capital.

Capital strictly prohibits retaliation against any associate who in good faith makes a complaint, raises a concern, provides information or otherwise assists in an investigation regarding any conduct that he or she reasonably believes to be in violation of the Code of Ethics. This policy is designed to ensure that associates comply with their obligations to report violations without fear of retaliation.

Policies

Capital’s policies regarding gifts and entertainment, political contributions, insider trading and personal investing are summarized below.

Gifts and Entertainment Policy

Under the Gifts and Entertainment Policy, associates may not receive or extend gifts or entertainment that are excessive, repetitive or extravagant, if such gifts or entertainment involve a government official or are due to a third party’s business relationship (or prospective business relationship) with Capital. The Policy is intended to ensure that gifts and entertainment involving associates do not raise questions of propriety regarding Capital’s business relationships or prospective business relationships, or Capital’s interactions with government officials. Accordingly, for gifts and entertainment involving those who conduct, or may conduct, business with Capital:

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An associate may not accept gifts from (or give gifts to) the same person or entity worth more than $100 (or the local currency equivalent) in a 12-month calendar year period.

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An associate may not accept or extend entertainment valued at over $500 (or the local currency equivalent) unless a business reason exists for such entertainment and the entertainment is pre-approved by the associate’s manager and the Code of Ethics Team. Trading department associates are prohibited from accepting entertainment, regardless of value.

Gifts or entertainment extended to a private-sector person by a Capital associate and approved by the associate’s manager for reimbursement by Capital do not need to be reported (or precleared). Trading department associates should report gifts and entertainment extended regardless of reimbursement. Note: Separate policies regarding extending business gifts or entertainment apply to AFD and CGIIS associates. Dollar amounts refer to U.S. dollars.

Capital Group is registered as a federal lobbyist and special rules apply to gifts and entertainment involving government officials and employees as a result. Associates must receive approval from Capital’s Code of Ethics Team prior to either: (1) hosting a federal government official or employee at a Capital facility if anything of value (e.g. food, tangible item) will be presented to that individual; or (2) providing anything of value to a federal government official or employee if Capital will pay or reimburse for the related cost.

Reporting

The limitations relating to gifts and entertainment apply to all associates as described above, and associates will be asked to complete quarterly disclosures. Associates must report any gift exceeding $50 and business entertainment in which an event exceeds $75 (although it is recommended that associates report all gifts and entertainment). Trading department associates should notify the Code of Ethics Team when gifts are received and report such gifts quarterly, whether the gift is received by an individual associate or by a department. In addition, trading associates should report gifts and entertainment extended regardless of reimbursement.

Charitable contributions

Associates must not allow Capital’s present or anticipated business to be a factor in soliciting political or charitable contributions from outside parties. In addition, it is generally not appropriate to solicit these outside parties or Capital associates for donations to a family-run non-profit organization, family foundation, donor-advised fund or other charitable organization in which an associate or their family members are significantly involved. Board membership alone would not be considered significant involvement.

Gifts and Entertainment Committee

The Gifts and Entertainment Committee oversees administration of the Policy. Questions regarding the Gifts and Entertainment Policy may be directed to the Code of Ethics Team.

Political Contributions Policy

Associates must be cautious when engaging in personal political activities, particularly when supporting officials, candidates, or organizations that may be in a position to influence decisions to award business to investment management firms. Associates should not make political contributions to officials or candidates (in any country) for the purpose of influencing the hiring of a Capital Group company as an advisor to a governmental entity. Associates are encouraged to contact the Code of Ethics Team with any questions about this policy.

Associates may not use Capital offices or equipment to engage in political fundraising or solicitation activity, for example, hosting a fundraising event at the office or using Capital phones or email systems to help solicit donations for an elected official, a candidate, Political Action Committee (PAC) or political party. Associates may volunteer their time on behalf of a candidate or political organization but should limit volunteer activities to non-work hours.

For contributions or activities supporting candidates or political organizations within the U.S., we have adopted the guidelines set forth below, which apply to associates classified as “Restricted Associates.”

Guidelines for political contributions and activities within the U.S.

U.S. Securities and Exchange Commission (SEC) regulations limit political contributions to certain Covered Government Officials by certain employees of investment advisory firms and certain affiliated companies. “Covered Government Official,” for purposes of the Political Contributions Policy, is defined as: (1) a state or local official; (2) a candidate for state or local office; or (3) a federal candidate currently holding state or local office.

Many U.S. cities and states have also adopted regulations restricting political contributions by associates of investment management firms seeking to provide services to a governmental entity. Some associates are also subject to these regulations.

Restricted Associates

Certain associates are deemed “Restricted Associates” under this Policy. Restricted Associates include (1) “covered associates” as defined in the SEC’s rule relating to political contributions by investment advisers (Rule 206(4)-5 under the Investment Advisors Act of 1940); and (2) other associates who do not meet that definition but whom Capital has determined should be subject to the restrictions on political contributions contained in the Policy based on their roles and responsibilities at Capital. Contributions by Restricted Associates and their spouse/spouse equivalent are subject to specific limitations, preclearance, and reporting requirements as described below.

Preclearance of political contributions

Contributions by Restricted Associates to any of the following must be precleared:

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State or local officials, or candidates for state or local office

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Federal candidate campaigns and affiliated committees, including federal incumbents and presidential candidates

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Political organizations such as Political Action Committees (PACs), Super PACs and 527 organizations and ballot measure committees

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Non-profit organizations that may engage in political activities, such as 501(c)(4) and 501(c)(6) organizations

Restricted Associates must also preclear U.S. political contributions by their spouse/spouse equivalent to any of the foregoing, as well as contributions to any state, local or federal political party or political party committee, if the aggregate contributions by the Restricted Associate and spouse/spouse equivalent to any one candidate or political entity equals or exceeds $100,000 in a calendar year.

Certain documentation is required for contributions to Covered Governmental Officials, PACs or Super PACs, and may be required for contributions to other entities that engage in political activity. See “Required documentation” below for further details. To preclear a contribution, please contact the Code of Ethics Team.

Contributions include:

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Monetary contributions, gifts or loans

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“In kind” contributions (for example, donations of goods or services or underwriting or hosting fundraisers)

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Contributions to help pay a debt incurred in connection with an election (including transition or inaugural expenses, and purchasing tickets to inaugural events)

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Contributions to joint fund-raising committees

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Contributions made by a Political Action Committee (PAC) controlled by a Restricted Associate^[1]

Please contact the Code of Ethics Team to preclear a contribution.

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^[1] “Control” for this purpose includes service as an officer or member of the board (or other governing body) of a PAC.

Required documentation

Restricted Associates must obtain additional documentation from an independent legal authority before they will be approved to contribute to Covered Government Officials. The purpose of the legal documentation is to verify that a specific state or local office does not have the ability to directly or indirectly influence the awarding of business to an investment manager. For contributions to PACs, Super PACs, or other entities that engage in political activities, Restricted Associates may be required to obtain a certification that the entity does not contribute to Covered Government Officials. The Code of Ethics Team will provide language for the documentation when you preclear the contribution.

If a candidate currently holds a state/local office and is running for a different state/local office, legal documentation must be obtained for both the current position and the office for which the candidate is running. Exceptions to the documentation requirements may be granted on a case-by-case basis.

Special political contribution requirements – CollegeAmerica

Certain associates involved with “CollegeAmerica,” the American Funds 529 college savings plan sponsored by the Commonwealth of Virginia, are subject to additional restrictions which prohibit them from contributing to Virginia political candidates or parties.

Administration of the Political Contributions Policy

The U.S. Public Policy Coordinating Group oversees the administration of this Policy, including considering and granting possible exceptions. Questions regarding the Political Contributions Policy may be directed to the Code of Ethics Team.

Insider Trading Policy

Antifraud provisions of U.S. securities laws as well as the laws of other countries generally prohibit persons in possession of material non-public information from trading on or communicating the information to others. Sanctions for violations can include civil injunctions, permanent bars from the securities industry, civil penalties up to three times the profits made or losses avoided, criminal fines and jail sentences. In addition, trading in fund shares while in possession of material, non-public information that may have an immediate impact on the value of the fund’s shares may constitute insider trading.

While investment research analysts are most likely to come in contact with material non-public information, the rules (and sanctions) in this area apply to all Capital associates and extend to activities both within and outside each associate's duties. Associates who believe they have material non-public information should contact any lawyer in the organization.

Personal Investing Policy

This policy applies only to “Covered Associates.” Special rules apply to certain associates in some non-U.S. offices.

The Personal Investing Policy (Policy) sets forth specific rules regarding personal investments that apply to "covered" associates. These associates may have access to confidential information that places them in a position of special trust. Under the Code of Ethics, associates are responsible for maintaining the highest ethical standards. Associates are reminded that the requirements of the Code of Ethics apply to personal investing activities, even if the matter is not covered by a specific provision of the Policy.

Personal investing should be viewed as a privilege, not a right. As such, the Personal Investing Committee may place limitations on the number of preclearance requests and/or transactions associates make.

Covered Associates

“Covered Associates” are associates with access to non-public information relating to current or imminent fund/client transactions, investment recommendations or fund portfolio holdings.
The Policy applies to the personal investments of Covered Associates and their spouse/spouse equivalent, significant other (commingling expenses), and other immediate family members residing in their household (for example, children, siblings and parents – including adoptive, step and in-law relationships).

Questions regarding coverage status should be directed to the Code of Ethics Team.

Additional rules apply to Investment Professionals

“Investment Professionals” include portfolio managers, research directors, investment counselors, investment analysts and research associates, investment group administrative assistants, trading associates, and global investment control associates, including assistants. See “Additional policies for Investment Professionals and CIKK associates” below for more details.

Prohibited transactions

The following transactions are prohibited:

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Initial Public Offering (IPO) investments (this prohibition applies to all Capital associates)

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Note: Exceptions are rarely granted; however, they will be considered on a case-by-case basis (for example, where a family member is employed by the IPO company and IPO shares are considered part of that family member’s compensation).

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Initial Coin Offering (ICO) investments (this prohibition applies to all Capital associates)

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Excessive trading of Capital-affiliated funds

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Spread betting/contracts for difference (CFD) on securities

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Derivatives on securities and financial contracts, such as futures and forwards contracts, with limited exceptions described below

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Short selling of securities – including short selling “against the box”, with limited exceptions described below

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Transactions in inverse or inverse/long ETFs, with limited exceptions described below

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Interest rate swaps (IRS), with limited exceptions described below

Exceptions:

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Derivatives, financial contracts, short selling and investments in inverse or inverse/long ETF transactions are permitted only if they are based on non-reportable instruments (such as currencies and commodities) or if they are based on the S&P 500, Russell 2000 or MSCI EAFE indices

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Interest rate swaps are permitted if based on currencies and government bonds of the G7

Reporting requirements

Covered Associates are required to report any securities accounts, holdings and transactions: (1) in which the Covered Associate or any immediate family member residing in their household has a pecuniary interest (in other words, the ability to obtain an economic benefit or otherwise profit from a security) or (2) over which the Covered Associate or any immediate family member residing in their household exercises investment discretion or has direct or indirect influence or control. Quarterly and annual certifications of accounts, holdings and transactions must also be submitted. An electronic reporting platform is available for these disclosures.

Examples of accounts that must be disclosed include: (1) trusts if the Covered Associate or family member are the grantor or serve as trustee or custodian or have the ability to appoint or remove the trustee, (2) trusts that you or a family member have the power to revoke, (3) trusts for which you or a family member are a beneficiary and exercise investment discretion or have direct or indirect influence or control, and (4) accounts of another person or entity if the Covered Associate or family member makes or influences investment decisions, such as by suggesting purchases and sales of securities in the account. The obligation to disclose accounts includes professionally managed accounts.

Covered Associates should immediately notify the Code of Ethics Team when opening new securities accounts; associates may also disclose accounts by logging into Protegent PTA and entering the account information directly.

Newly hired associates and associates transferring into a position designated as “covered” are required to maintain their U.S.-based brokerage accounts with electronic reporting firms. This requirement includes immediate family members living in their household. All Covered Associates and immediate family members residing in their household must use an electronic reporting firm for any new U.S.-based brokerage accounts. There are some exceptions to this requirement which include professionally managed accounts, employer-sponsored retirement accounts, and employee stock purchase plans.

Duplicate statements and trade confirmations (or approved equivalent documentation) are required for accounts holding securities subject to preclearance and/or reporting and due no later than 30 days after the documents’ issuance date. This requirement includes employer-sponsored retirement accounts and employee stock purchase plans (ESPP, ESOP, 401(k)). Documentation allowing the acquisition of shares via an employer-sponsored plan may be required.

Preclearance procedures

Certain transactions may be exempt from preclearance; please refer to the Personal Investing Policy for more details.

Before any purchase or sale of securities subject to preclearance, including securities that are not publicly traded, Covered Associates must receive approval from the Code of Ethics Team. This requirement applies to any purchase or sale of securities in which the Covered Associate or any immediate family member residing in the same household (1) has, or by reason of such transaction may acquire, pecuniary interest (in other words, the ability to obtain an economic benefit or otherwise profit from a security), or (2) exercises investment discretion or direct or indirect influence or control. Transactions in an approved professionally managed account are not subject to preclearance, except for private investments or other limited offerings which require preclearance and reporting.

Submitting preclearance requests

To submit a preclear request, log into Protegent PTA. Covered Associates should then click on the Preclear button on the Dashboard and enter the request details.

For assistance or questions, please contact the Code of Ethics Team.

Preclearance requests will be handled during the hours the New York Stock Exchange (NYSE) is open, generally 6:30am to 1:00pm Pacific Time. A response to requests will generally be sent within one business day.

Transactions will generally not be permitted in securities on days the funds or clients are transacting in the issuer in question. In the case of Investment Professionals, permission to transact will be denied if the transaction would violate the seven-day blackout or short-term trading policies (see “Additional policies for Investment Professionals and CIKK associates” below). Preclearance requests by Investment Professionals are subject to special review.

Preclearance will generally not be approved for analysts’ transactions involving securities held in their professional portfolio(s) or if the issuer of such securities falls within their industry research responsibilities or a related industry.

Unless a different period is specified, clearance is good until the close of the NYSE on the day of the request. Associates from offices outside the U.S. and/or associates trading on non-U.S. exchanges are usually granted enough time to complete their transaction during the next available trading day.

If the precleared trade has not been executed within the cleared timeframe, preclearance must be requested again. For this reason, the following are strongly discouraged:

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Limit orders (for example, stop loss and good-till-canceled orders)

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Margin accounts

Private investments or other limited offerings

Participation in private investments or other limited offerings are subject to special review. The following types of private investments must be precleared:

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Hedge funds

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Private companies

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Limited Liability Companies (LLCs)

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Limited Partnerships (LPs)

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Private equity funds

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Private funds

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Private placements

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Private real estate investment companies

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Venture capital funds

In addition, opportunities to acquire a stock that is "limited" (that is, a broker-dealer is only given a certain number of shares to sell and is offering the opportunity to buy) may be subject to the Gifts and Entertainment Policy.

Preclearance procedures for private investments

Preclear private investments by contacting the Code of Ethics Team.

To make a subsequent investment, or increase a previously approved investment, a new Private Investment Preclear Form must be submitted and approval received before making the subsequent or increased investment.

Additional policies for Investment Professionals and CIKK associates

Report cross-holdings for certain Investment Professionals

Portfolio managers, research directors and investment analysts will be asked to disclose securities they own both personally and professionally on a quarterly basis. Research directors and analysts will also be required to disclose securities they hold personally that are within their research responsibilities. This disclosure must be made to the Code of Ethics Team and may be reviewed by various Capital committees.

If disclosure has not already been made to the Code of Ethics Team, any associate who is in a position to recommend a security that the associate owns personally for purchase or sale in a fund or client account should first disclose such personal ownership either in writing (in a company write-up) or verbally (when discussing the company at investment meetings) prior to making a recommendation. This disclosure requirement is consistent with both the CFA Institute standards as well as the ICI Advisory Group Guidelines.

Blackout periods

Investment Professionals may not buy or sell a security during the period seven calendar days after a fund or client account transacts in that issuer. The blackout period applies to trades in the same management company with which the associate is affiliated.

If a fund or client account transaction takes place in the seven calendar days following a transaction executed by an Investment Professional, the personal transaction may be reviewed by the Personal Investing Committee to determine the appropriate action, if any. For example, the Personal Investing Committee may recommend the associate be subject to a price adjustment.

Ban on short-term trading

Investment Professionals and CIKK associates are prohibited from engaging in short-term trading of reportable securities and economically equivalent instruments.

Associates and their family members may not buy and then sell or sell and then buy the same security and/or economically equivalent instruments:

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Within 60 calendar days for Investment Professionals

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Within 6 months for CIKK associates

Economically equivalent instruments include derivatives or other securities or instruments with a value derived from the value of the subject security. Additionally, they may not enter into an option or other derivative instrument that expires within 60 days from purchase.

Investment Professionals and CIKK associates should contact the Code of Ethics Team before transacting if they have any questions about the application of this rule to transactions in derivatives.

Failure to comply with this requirement may result in remedial action, including disgorgement of the profits.

Penalties for violating the Personal Investing Policy

Covered Associates may be subject to penalties for violating the Personal Investing Policy, such as restrictions on personal trading, disgorgement of profits, and other disciplinary action, up to and including termination. Violations to the Policy include failing to preclear or report securities transactions, failing to report securities accounts or submit statements, and failing to submit timely initial, quarterly and annual certifications.

Personal Investing Committee

The Personal Investing Committee oversees the administration of the Policy. Among other duties, the Committee considers certain types of preclearance requests as well as requests for exceptions to the Policy.

Questions regarding the Personal Investing Policy may be directed to the Code of Ethics Team.

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Questions regarding the Code of Ethics may be directed to the Code of Ethics Team.

[Logo – American Funds®]

The following is representative of the Code of Ethics in effect for each Fund:

CODE OF ETHICS

With respect to non-affiliated Board members and all other access persons to the extent that they are not covered by The Capital Group Companies, Inc. policies:

No Board member shall so use his or her position or knowledge gained therefrom as to create a conflict between his or her personal interest and that of the Fund.

No Board member shall engage in excessive trading of shares of the fund or any other affiliated fund to take advantage of short-term market movements.

Each non-affiliated Board member shall report to the Secretary of the Fund not later than thirty (30) days after the end of each calendar quarter any transaction in securities which such Board member has effected during the quarter which the Board member then knows to have been effected within fifteen (15) days before or after a date on which the Fund purchased or sold, or considered the purchase or sale of, the same security.

For purposes of this Code of Ethics, transactions involving United States Government securities as defined in the Investment Company Act of 1940, bankers’ acceptances, bank certificates of deposit, commercial paper, or shares of registered open-end investment companies are exempt from reporting as are non-volitional transactions such as dividend reinvestment programs and transactions over which the Board member exercises no control.

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In addition, the Fund has adopted the following standards in accordance with the requirements of Form N-CSR adopted by the Securities and Exchange Commission pursuant to Section 406 of the Sarbanes-Oxley Act of 2002 for the purpose of deterring wrongdoing and promoting: 1) honest and ethical conduct, including handling of actual or apparent conflicts of interest between personal and professional relationships; 2) full, fair, accurate, timely and understandable disclosure in reports and documents that a fund files with or submits to the Commission and in other public communications made by the fund; 3) compliance with applicable governmental laws, rules and regulations; 4) the prompt internal reporting of violations of the Code of Ethics to an appropriate person or persons identified in the Code of Ethics; and 5) accountability for adherence to the Code of Ethics. These provisions shall apply to the principal executive officer or chief executive officer and treasurer (“Covered Officers”) of the Fund.

It is the responsibility of Covered Officers to foster, by their words and actions, a corporate culture that encourages honest and ethical conduct, including the ethical resolution of, and appropriate disclosure of conflicts of interest. Covered Officers should work to assure a working environment that is characterized by respect for law and compliance with applicable rules and regulations.

Each Covered Officer must act in an honest and ethical manner while conducting the affairs of the Fund, including the ethical handling of actual or apparent conflicts of interest between personal and professional relationships. Duties of Covered Officers include:

Acting with integrity;

Adhering to a high standard of business ethics; and

Not using personal influence or personal relationships to improperly influence investment decisions or financial reporting whereby the Covered Officer would benefit personally to the detriment of the Fund.

Each Covered Officer should act to promote full, fair, accurate, timely and understandable disclosure in reports and documents that the Fund files with or submits to, the Securities and Exchange Commission and in other public communications made by the Fund.

Covered Officers should familiarize themselves with disclosure requirements applicable to the Fund and disclosure controls and procedures in place to meet these requirements; and

Covered Officers must not knowingly misrepresent, or cause others to misrepresent facts about the Fund to others, including the Fund’s auditors, independent directors, governmental regulators and self-regulatory organizations.

Any existing or potential violations of this Code of Ethics should be reported to The Capital Group Companies’ Personal Investing Committee. The Personal Investing Committee is authorized to investigate any such violations and report their findings to the Chairman of the Audit Committee of the Fund. The Chairman of the Audit Committee may report violations of the Code of Ethics to the Board or other appropriate entity including the Audit Committee, if he or she believes such a reporting is appropriate. The Personal Investing Committee may also determine the appropriate sanction for any violations of this Code of Ethics, including removal from office, provided that removal from office shall only be carried out with the approval of the Board.

Application of this Code of Ethics is the responsibility of the Personal Investing Committee, which shall report periodically to the Chairman of the Audit Committee of the Fund.

Material amendments to these provisions must be ratified by a majority vote of the Board. As required by applicable rules, substantive amendments to the Code of Ethics must be filed or appropriately disclosed.

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