FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Quality of Life…Insurance ® QoL Guarantee Plus Presented by… Trevor Keeble Director of Product Training Policies issued by American General Life Insurance Company

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Guarantee Plus Offers GUARANTEED* death benefit protection All you need to do to make sure coverage remains in place is pay your premiums on time Predictable protection: Even if interest rates change or cost of insurance increases, you can be sure your coverage will always be there *Guarantees are based upon the claims-paying ability of the issuing insurance company.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Guarantee Plus QoL Guarantee Plus helps provide guaranteed death benefit protection for:  Income Replacement  Mortgage Payoff  Legacy Die too soon Protection For Major Life Events Live too long CustomerChoice ® Lifestyle Income Rider helps provide protection for: Get sick along the way Critical, Chronic & Terminal Illness ABRs helps provide protection for:  Living longer than expected / didn’t save enough  Unexpected expenses (roof, furnace, A/C, auto repairs, etc.)  Return a portion of premium paid  And so much more!  Health Care Costs from Critical, Chronic or Terminal Illness  Expenses – medical and non-medical – related or unrelated to diagnoses

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION FeatureDetailsAdditional Information Issue Ages0-80 No Lapse Guarantee To Age 121 (or specified length) To age 100 with Lifestyle Income Rider Death Benefit OptionLevel only Product Features

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Product Features FeatureDetails Additional Information Guaranteed Interest Rate2%Compounded Annually Minimum Face Amount $50,000 $100,000 Standard Underwriting Preferred Underwriting Premium Banding $50,000 to $99,999 $100,000 +

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Accelerated Benefit Rider California QoL ® SelectChoice ABR All Other States Waiver of Specified Premium Rider Accidental Death Benefit Children’s Term Life Additional Insurance Option Additional Insured Maturity Extension CustomerChoice Lifestyle Income Rider Rider availability may vary by state. Available Riders

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Living Benefits-Chronic, Critical, Terminal Can accelerate all or part of death benefit

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Major Heart Attack Coronary Artery Bypass Stroke Invasive Cancer Blood Cancers: Leukemia, Lymphoma and Multiple Myeloma Major Organ Transplant End Stage Renal Failure Paralysis Coma Severe Burn Major Heart Attack Coronary Artery Bypass Stroke Invasive Cancer Blood Cancers: Leukemia, Lymphoma and Multiple Myeloma Major Organ Transplant End Stage Renal Failure Paralysis Coma Severe Burn An illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification An illness or condition certified within the last 12 months and affects the insured person so that he or she: -Is unable to perform at least two of the six Activities of Daily Living (ADLs) or -Requires substantial supervision by another person to protect the insured person from threats to health and safety due to severe cognitive impairment ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating An illness or condition certified within the last 12 months and affects the insured person so that he or she: -Is unable to perform at least two of the six Activities of Daily Living (ADLs) or -Requires substantial supervision by another person to protect the insured person from threats to health and safety due to severe cognitive impairment ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating 123 SelectChoice SM Accelerated Benefit Rider Features *SelectChoice not available in CA, CT, or MT. With respect to any accelerated death benefit rider that is generally attached by the Company to a life insurance policy automatically, you may instruct the Company not to include such rider in a policy issued to you.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION SelectChoice SM ABR Features 1.Flexible Accelerated Benefit: No-cost Accelerated Benefits Automatically added to all eligible Quality of Life…Insurance ® UL and term policies Allows owner to accelerate some or all of the life insurance death benefit in the event the insured is diagnosed with a Qualifying Event: Critical, Chronic or Terminal illness

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 2. Defined Accelerated Benefit (DAB)*: Optional and may be purchased for an additional premium with eligible Quality of Life…Insurance ® UL and term policies The DAB for the initial Qualifying Event, where a claim is made, is determined by a fixed percentage between 5%-15% The DAB for a subsequent Qualifying Event is calculated using a reduced percentage: 20% of initial DAB percentage Subject to underwriting approval (Up to Table D) Allows the owner to accelerate a defined amount of the life insurance death benefit in the event the insured is diagnosed with a Qualifying Event: Critical, Chronic or Terminal illness SelectChoice SM ABR Features *Not available in CA, CT, or MT

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION How Does It Work?  You purchases a $250,000 Quality of Life…Insurance product at age 40, which includes the SelectChoice Accelerated Benefit Rider  For an additional premium, you also purchase a 10% Defined Accelerated Benefit  Ten years later you suffer a major heart attack, but the prognosis for recovery is excellent  The medical costs associated with this event are substantial causing you to consider your options. To help cover these expenses, you accelerate the $25,000 Defined Accelerated Benefit for Critical Illness  The remaining death benefit is $225,000 which could also be accelerated under the Flexible Accelerated Benefit

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION How Does It Work?  You then file a claim for another $25,000 under the Flexible Accelerated Benefit  AGL determines the benefit and makes an offer based on the severity of your condition and how it will affect your life expectancy  If you accepts this offer, the death benefit will be reduced by $25,000. You will receive less than $25,000 because you are receiving a portion of the death benefit today, rather than at the end of life expectancy (discounting)  In this case, you received an offer from AGL for an amount of $11,222*. You could elect to take all, part or none of the offer  You decide to take the $11,222* today and now have a remaining death benefit is $200,000 *Amount is hypothetical and actual payment will vary be individual case.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION The next step in the evolution of Quality of Life…Insurance.  Death  Critical Illness  Chronic Illness  Terminal Illness  Longevity Risk CustomerChoice ® Lifestyle Income Rider Can turn your policy’s death benefit into guaranteed retirement income

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Issue Ages = 18 – 70 Only available “At Issue” Only available on QoL Guarantee Plus No additional Underwriting requirements Available on Substandard to Table P CustomerChoice ® Lifestyle Income Rider Issue Guidelines

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Customer Choice ® Lifestyle Income Rider Issue Guidelines Policy must be guaranteed to age 100 Policy must be paid up prior to taking benefits Minimum Guaranteed Withdrawal Benefit = $500/month

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Customer Choice ® Lifestyle Income Rider Eligibility Requirements Guaranteed Withdrawal Benefit cannot begin prior to the policy’s 15 th anniversary For full, undiscounted benefit age 85 is earliest age to begin benefit payout

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Guaranteed Withdrawal Benefit The standard benefit period is 120 months (10 years), or longer The owner may request to withdraw a lesser amount (Could extend benefit period beyond 120 months) Benefit payments can be stopped and restarted at any time Benefit is guaranteed regardless of the Cash Surrender Value of the policy Benefit payments are tax free up to the cost basis. Excess is taxable income in the year it is received

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Remainder Payment Any remaining amount after the 120 equal Guaranteed Withdrawal Benefit payments will be disbursed as the 121 st payment. 120 payments of the Guaranteed Withdrawal Benefit amount may not equal the Total Guaranteed Benefit provided by the rider.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Benefits may begin before age 85 provided the policy is paid up to age 100 and has been inforce at least 15 years The Adjusted Benefit Payment will be less than the full Guaranteed Withdrawal Benefit The Death Benefit however will still be reduced by the full “undiscounted” amount The Early Withdrawal factors vary by: Issue Age, Age Benefits Begin Early Withdrawal Benefits

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Case Study CustomerChoice ® Lifestyle Income Rider

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Meet Jacob 1, Age 55 – Planning for Retirement Has a need for $385,000 of life insurance. Concerned that market volatility will prevent him from meeting his financial objectives. Goal is to maintain his standard of living through retirement. How can we help Jacob meet his retirement needs? 1 Illustrative example. Not a real case.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION The representative offers Jacob a solution with: Guaranteed Universal Life Insurance to age 100 – Paid to age 85 – $7,659 annual premium ($229k total premium paid) Guaranteed Retirement Benefits – Up to $3,195 of monthly Guaranteed Withdrawal Benefit at age 85 – 120 months for the maximum Guaranteed Withdrawal Benefit amount How does this solution help meet Jacob’s goals? Recommendation

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Age 55 Coverage Issued

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Age 55 Age 85 Distributions Begin Monthly income is paid and reduces Death Benefit $2,500 a month

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Age 55 Age 85 Age 95 Death Benefit is reduced to $85,000 by end of the benefit period or Stop benefits Continue $2,500 a month *Total premium paid = $229,000

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Guarantee Plus GUL with Differentiated Living Benefits Male, 50, Preferred Non-tobacco, Premium for $500,000 level DB, guaranteed/carried to Age 121. State of Colorado. *Rates as of 08/20/2015. Note that Nacolah’s Custom Guarantee and Columbus Life Voyager 2010 UL max pay is to age 100 but guarantees to lifetime. PacLife Versa-Flex 2014 is illustrated at Basic ar 50% and ARTR Coverage at 50%. Every attempt has been made to verify the accuracy of this information, but rates are subject to change at any time. These carriers are peer group competitors. ** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim. Company/Product Guaranteed to Age Annual Premium Chronic Illness/LTC Rider Critical Illness Rider Guaranteed Cash Values to Age100 North American Company Custom Guarantee® (Gen 8) 121$4,758  AGL QoL Guarantee Plus 121$4,920  Columbus Life Insurance Company Voyager 2010 UL 120$4,967   Prudential PruLife® Universal Protector (2013) 120$5,076 The Lincoln National Life Insurance Company Lincoln LifeGuarantee® UL (2013) 120$5,610 Pacific Life V Versa-Flex NLG $6,519

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Female, 40, Standard Non-tobacco, Premium for $500,000 level DB, guaranteed/carried to Age 121. State of Colorado. QoL Guarantee Plus GUL with Differentiated Living Benefits Company/Product Guaranteed to Age Annual Premium Chronic Illness/ LTC Rider Critical Illness Rider Guarantee d Cash Values to Age100 North American Company Custom Guarantee® (Gen 8) With ABRs 121$2,980   AGL QoL Guarantee Plus with ABRs 121$3,529  Prudential PruLife® Universal Protector (2013) with BenefitAccess Rider** 120$4,129   The Lincoln National Life Insurance Company Lincoln LifeGuarantee® UL (2013) With LifeEnhance Accelerated Benefits Rider** 120$4,145   Pacific Life V Versa-Flex NLG 2014 with Premier Living Benefits Rider 120$4,392   *Rates as of 08/20/2015. Note that Nacolah’s Custom Guarantee max pay is to age 100 but guarantees to lifetime. PacLife Versa-Flex 2014 is illustrated at Basic ar 50% and ARTR Coverage at 50%. Every attempt has been made to verify the accuracy of this information, but rates are subject to change at any time. These carriers are peer group competitors. ** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Guarantee Plus with Continued Innovation for Living Benefits (Lifestyle Income Rider) Male, 55, Preferred Non-tobacco, Premium for $1,000,000 level DB, guaranteed/carried to Age 100. State of Colorado. *Rates as of 08/20/2015. Current Assumption UL Products illustrated at current rates: 4.50% for Accordia Life Assure, 4.7% for MetLife Secure Flex UL, 4.25% for LSW Foundation UL, ** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim. Every attempt has been made to verify the accuracy of this information, but rates are subject to change at any time. These carriers are peer group competitors. More protection for less total cost! Company/Product Pay To Age Guarantee to Age Cumulative Premiums to Age 95 Annual Premium Chronic Illness/ LTC Rider Critical Illness Rider Guaranteed Cash Values to Age100 Guaranteed Income At Age 85 QoL Guarantee Plus with ABRs + Lifestyle Income Rider 85100$395,130$13,171  Prudential PruLife® Universal Protector (2013) with BenefitAccess Rider** 100 $534,920$13,373   MetLife Secure Flex Universal Life SM 10086$535,480$13,387 Pacific Life Versa-Flex NLG 2014 with Premier Living Benefits Rider 100 $608,120$15,203   Accordia Life Life Assure with Accelerated Access Rider 10075$631,680$15,792  National Life LSW Foundation UL* with Accelerated Benefit Rider 10084$900,120$22,503 

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Disclaimer The information presented herein is not a comprehensive analysis of the topic presented, and the viewer should consult tax and legal advisors to understand all the ramifications of the topics discussed. No representation or warranty, express or implied, is made by AGL or its affiliates as to the completeness of the information provided. All companies mentioned, their employees, financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are subject to change and individuals should consult an attorney, tax advisor or accountant. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. To ensure compliance with requirements imposed by U.S. Treasury Regulations, we inform you that any tax advice contained in this presentation (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Policies issued by American General Life Insurance Company (AGL). Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit business in the state of New York. Policies issued by American General Life Insurance Company (AGL). Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit business in the state of New York. Products may not be available in all states and product features may vary by state. Please refer to your policy. For policy forms ICC , 14579, Rider #s ICC10 AGL ABR, AGL ABR, ICC ,14012 ICC , 14018, ICC , 14390, AGL 05AHC, AGL EMD-DB, ICC , 14002, and state variations. © 2014 American International Group, Inc. (AIG). All rights reserved. (1)When filing a claim for Qualifying Critical Illness, Qualifying Terminal Illness or Qualifying Chronic Illness under an Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form (with Certification attached in the case of a Qualifying Chronic Illness) which must be received at its Administrative Center within the time frame specified in the Rider, if any. (2) Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Critical Illness or Chronic Illness, the accelerated benefit may be zero. (3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forth for each in a Policy, if any, may preclude payment of a benefit. (4) Benefits payable under an accelerated benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. (5) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness. The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance. (6) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $1,500,000. (7) See your policy for details. Disclosures Applicable to the Critical Illness Accelerated Benefit Rider and the Terminal Illness Accelerated Benefit Rider Only Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in That state. If uncertain, contact your American General Life Companies representative for assistance. Important Information

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at | YouTube: | | LinkedIn: AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds. AGLC