Accelerated Access Solution California Specific Presented by… Policies issued by American General Life Insurance Company ("AGL“)

Accelerated Access Solution (AAS) Now Available in California The AAS Chronic Illness Accelerated Death Benefit Rider is now available on Max Accumulator+, Value+ Protector, and Secure Lifetime GUL 3 For clarification, here are a few more examples. With Accelerated Access Solution you can actually purchase more than today’s Per Diem limit. There are products on the market that won’t let you purchase a benefit in excess of the current year’s Per Diem limit, which means your benefit will never go up, regardless of an increasing, inflation adjusted Per Diem. Because AIG allows you to purchase an aggregate amount and a monthly benefit amount in excess of the current Per Diem, the outcome is very simple. At lower Per Diem amounts you get less per month, but for more months. At higher Per Diem amounts you get more per month, but for fewer months. Let’s look at another example using a 4% cap. If you purchased a $300,000 Accelerated Access Solution benefit, your maximum monthly benefit would be $12,000. Accelerating $12,000 per month would be able to continue for 25 months ($300,000 ÷ 12 = $25) If you went on-claim in 2016 you’ wouldn’t receive the entire $12,000 per month. The IRS Per Diem would limit you to $10,341.66 per month, which would last for 30 months. And, if you went on claim when the IRS Per Diem was $15,000, American General would limit your monthly benefit to your capped amount of $12,000 per month. Lastly, if you did not choose a 2% or 4% cap, then your maximum monthly benefit is your total benefit divided by 12. In this example, $300,000 ÷ 12 = $25,000 per month. Naturally, if the Per Diem amount is less than $25,000 per month, you’ll receive the Per Diem in effect when you began your claim. 2

Accelerated Access Solution 101(g) 2-out-of-6 ADLs; or Severe Cognitive Impairment Does Not Require Condition to be Permanent Indemnity Benefit No Receipts Spend benefits on anything Let’s look at some of the benefits of the Accelerated Access Solution. Accelerated Access was filed as a rider under IRC section 101(g). That primarily means that: No LTC license is required for you to be able to sell the Accelerated Access Solution as part of an Max Accumulator+ policy. Your Life Insurance and Accident & Health licensing is all that’s necessary from a licensing standpoint. It also means that the primary triggers for Chronic Illness benefits are either (1) inability to perform 2-out-of-6 Activities of Daily Living (ADL’s); or (2) severe cognitive impairment. No longer requires condition be permanent. The benefit was filed as an Indemnity benefit. That’s completely different than the alternative – the Reimbursement benefit. With Reimbursement, you must file a claim and provide copies of all invoices. Your claim is reviewed and, eventually, you receive a reimbursement in an amount the insurance company deems appropriate based on your receipts. With American General Life’s Indemnity version, you don’t need to provide an receipts or file any claims regarding your treatments. American General Life will send your benefit checks every month, regardless of whether you’ve incurred any costs at all, and regardless of what those costs were. You meet the criteria for ADLs or severe cognitive impairment, file your claim and satisfy the 90-day waiting period, and American General Life begins sending the checks. Then you have two decisions to make: your aggregate benefit and your monthly benefit. Aggregate Benefit: Your aggregate benefit must be at least $50,000, and cannot be less than half of your total Death Benefit. So, for a $100,000 death benefit, your Accelerated Access benefit must be at least $50,000. For a $500,000 policy, the Accelerated Access benefit must be at least $250,000. Your aggregate benefit can also be no greater than your death benefit, and is subject to a maximum Accelerated Access benefit of $3,000,000. So, if your death benefit is $900,000, your maximum Accelerated Access Solution benefit is $900,000. If your death benefit is $3,300,000, your maximum aggregate Accelerated Access Solution benefit is limited to $3,000,000. Flexible Benefit Base Benefit = 50% up to 100% of Death Benefit $50,000 minimum up to $3,000,000 maximum Full waiver of monthly deductions 3

Flexible Monthly Benefit IRS Per Diem capped at 2% per month IRS Per Diem capped at 4% per month The maximum monthly amount is $10,000 increased annually by 4% until the time of claim. Max Monthly Benefit = Total Benefit ÷ 12 Alternatively, the insured has the option at the time of claim to receive the accelerated benefit in a lump sum payment in lieu of the benefits payable under the original monthly payment option selected. Such lump sum benefit will be subject to an actuarial discount that is determined by the company at the time the insured becomes eligible for benefits under the rider.1 Monthly benefit: American General Life will always pay up to the maximum IRS monthly Per Diem benefit, but you have a choice of three different caps on the maximum monthly benefit American General Life will pay. 2% of the AAS Benefit Base. With this option, if you had an Accelerated Access Solution aggregate benefit of $500,000, your monthly maximum benefit would be the lesser of: (a) the IRS monthly Per Diem; or (b) $10,000 per month. 4% of the AAS Benefit Base. With this option, if you had an Accelerated Access Solution aggregate benefit of $500,000, your monthly maximum benefit would be the lesser of: (a) the IRS monthly Per Diem; or (b) $20,000 per month. If you don’t choose to cap your monthly benefit at 2% or 4%, and assuming the same aggregate $500,000 Accelerated Access Solution benefit, the maximum monthly benefit will be the lesser of: (a) the IRS monthly Per Diem; or (b) $500,000 divided by 12 months = $41,666 per month. So, choose your aggregate benefit, and your monthly cap, and you’ll be ready to go! IRS caps the maximum daily rate each year. The 2016 maximum is $340/day or $10,341.66month. Subsequent years may be higher. 1 The Company will determine the actuarial discount applicable to a given lump sum payment using factors including, but not limited to the Company’s assessment of the expected future mortality of the Insured and an interest rate determined as described in the rider. 4

Required Training in CA Due to the direct nature of the relationship a producer or broker has with a customer, carriers must ensure that producers selling this rider will be able to describe the differences between benefits provided under an accelerated death benefit rider and benefits provided under long-term care insurance. In order to ensure that producers are able to meet these requirements, the Company requires producers take the training required by California. For clarification, here are a few more examples. With Accelerated Access Solution you can actually purchase more than today’s Per Diem limit. There are products on the market that won’t let you purchase a benefit in excess of the current year’s Per Diem limit, which means your benefit will never go up, regardless of an increasing, inflation adjusted Per Diem. Because AIG allows you to purchase an aggregate amount and a monthly benefit amount in excess of the current Per Diem, the outcome is very simple. At lower Per Diem amounts you get less per month, but for more months. At higher Per Diem amounts you get more per month, but for fewer months. Let’s look at another example using a 4% cap. If you purchased a $300,000 Accelerated Access Solution benefit, your maximum monthly benefit would be $12,000. Accelerating $12,000 per month would be able to continue for 25 months ($300,000 ÷ 12 = $25) If you went on-claim in 2016 you’ wouldn’t receive the entire $12,000 per month. The IRS Per Diem would limit you to $10,341.66 per month, which would last for 30 months. And, if you went on claim when the IRS Per Diem was $15,000, American General would limit your monthly benefit to your capped amount of $12,000 per month. Lastly, if you did not choose a 2% or 4% cap, then your maximum monthly benefit is your total benefit divided by 12. In this example, $300,000 ÷ 12 = $25,000 per month. Naturally, if the Per Diem amount is less than $25,000 per month, you’ll receive the Per Diem in effect when you began your claim. 5

Required Training in CA A producer who became a licensed California Life-Only Agent on or after January 1, 2015 can sell the AAS Chronic Illness Accelerated Death Benefit Rider immediately (on launch date), with no additional training required, as the LTC training component is incorporated into the state’s Prelicensing Education. A producer who became California licensed prior to January 1, 2015 will be required to complete an eight (8) hour long-term care insurance continuing education course prior to soliciting individual consumers for the sale of this rider. For clarification, here are a few more examples. With Accelerated Access Solution you can actually purchase more than today’s Per Diem limit. There are products on the market that won’t let you purchase a benefit in excess of the current year’s Per Diem limit, which means your benefit will never go up, regardless of an increasing, inflation adjusted Per Diem. Because AIG allows you to purchase an aggregate amount and a monthly benefit amount in excess of the current Per Diem, the outcome is very simple. At lower Per Diem amounts you get less per month, but for more months. At higher Per Diem amounts you get more per month, but for fewer months. Let’s look at another example using a 4% cap. If you purchased a $300,000 Accelerated Access Solution benefit, your maximum monthly benefit would be $12,000. Accelerating $12,000 per month would be able to continue for 25 months ($300,000 ÷ 12 = $25) If you went on-claim in 2016 you’ wouldn’t receive the entire $12,000 per month. The IRS Per Diem would limit you to $10,341.66 per month, which would last for 30 months. And, if you went on claim when the IRS Per Diem was $15,000, American General would limit your monthly benefit to your capped amount of $12,000 per month. Lastly, if you did not choose a 2% or 4% cap, then your maximum monthly benefit is your total benefit divided by 12. In this example, $300,000 ÷ 12 = $25,000 per month. Naturally, if the Per Diem amount is less than $25,000 per month, you’ll receive the Per Diem in effect when you began your claim. 6

Required Training in CA Below is a link to the California Department of Insurance website where you can locate vendors offering this required course: https://interactive.web.insurance.ca.gov/providercourselookup/ A producer who has previously completed the CA QoL ABR training (the full Certification Training course launched March 11, 2015, or, if previously certified prior to that date, the “bridge” course entitled “ABR CA Chronic Illness Rider Re-Certification” launched March 9, 2015) will not be required to satisfy any additional training requirements. For clarification, here are a few more examples. With Accelerated Access Solution you can actually purchase more than today’s Per Diem limit. There are products on the market that won’t let you purchase a benefit in excess of the current year’s Per Diem limit, which means your benefit will never go up, regardless of an increasing, inflation adjusted Per Diem. Because AIG allows you to purchase an aggregate amount and a monthly benefit amount in excess of the current Per Diem, the outcome is very simple. At lower Per Diem amounts you get less per month, but for more months. At higher Per Diem amounts you get more per month, but for fewer months. Let’s look at another example using a 4% cap. If you purchased a $300,000 Accelerated Access Solution benefit, your maximum monthly benefit would be $12,000. Accelerating $12,000 per month would be able to continue for 25 months ($300,000 ÷ 12 = $25) If you went on-claim in 2016 you’ wouldn’t receive the entire $12,000 per month. The IRS Per Diem would limit you to $10,341.66 per month, which would last for 30 months. And, if you went on claim when the IRS Per Diem was $15,000, American General would limit your monthly benefit to your capped amount of $12,000 per month. Lastly, if you did not choose a 2% or 4% cap, then your maximum monthly benefit is your total benefit divided by 12. In this example, $300,000 ÷ 12 = $25,000 per month. Naturally, if the Per Diem amount is less than $25,000 per month, you’ll receive the Per Diem in effect when you began your claim. 7

Required Training in CA With each agent’s first CA AAS rider application submission, L&C will validate licensing requirements have been fulfilled. Notification of licensing validation status will be posted on e-station. If this training was not taken prior to solicitation, AIG will require the agent complete the required training and then have the applicant re-sign the supplemental application and disclosure. If you are submitting contracting paperwork, please include proof of your course completion. If you are already contracted with the Company, you can fax your proof of course completion to: 877-484-3142 or email getappointed2@aig.com. Please include your current agent number in the fax and/or email. For clarification, here are a few more examples. With Accelerated Access Solution you can actually purchase more than today’s Per Diem limit. There are products on the market that won’t let you purchase a benefit in excess of the current year’s Per Diem limit, which means your benefit will never go up, regardless of an increasing, inflation adjusted Per Diem. Because AIG allows you to purchase an aggregate amount and a monthly benefit amount in excess of the current Per Diem, the outcome is very simple. At lower Per Diem amounts you get less per month, but for more months. At higher Per Diem amounts you get more per month, but for fewer months. Let’s look at another example using a 4% cap. If you purchased a $300,000 Accelerated Access Solution benefit, your maximum monthly benefit would be $12,000. Accelerating $12,000 per month would be able to continue for 25 months ($300,000 ÷ 12 = $25) If you went on-claim in 2016 you’ wouldn’t receive the entire $12,000 per month. The IRS Per Diem would limit you to $10,341.66 per month, which would last for 30 months. And, if you went on claim when the IRS Per Diem was $15,000, American General would limit your monthly benefit to your capped amount of $12,000 per month. Lastly, if you did not choose a 2% or 4% cap, then your maximum monthly benefit is your total benefit divided by 12. In this example, $300,000 ÷ 12 = $25,000 per month. Naturally, if the Per Diem amount is less than $25,000 per month, you’ll receive the Per Diem in effect when you began your claim. 8

Care Coordination Program

Care Coordination Program AGL offers services to help the insured locate and choose a provider through its “Care Coordination Program”. American General Life has partnered with the nation’s largest administrator of long-term care insurance (Long-Term Care Group, Inc. or LTCG™), to arrange the long-term care services at no cost to policyholders. This free benefit, called the “Care Coordination Program”, is completely optional and available on all policies with the Accelerated Access Solution chronic illness rider.

Care Coordination Program This program offers access to Care Management professionals that can provide information to support a search for a caregiver or facility that is right for each family’s situation as well as assistance to: locate a qualified caregiver, long term care facility or home-delivered meals provider develop a plan of care to ensure all your needs are met direct you to organizations with expertise in your disabling condition set up your first home care visit understand the steps involved in moving into a long term care facility help you understand the cost of long term care and how you will be billed for the services you receive

National Sales Desk can be reached at 1-800-677-3311 Questions? For additional information, please contact your American General Life Companies representative or visit our producer web site at http://eStation.americangeneral.com National Sales Desk can be reached at 1-800-677-3311

Important Information Policies issued by: American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Policies and riders not available in all states. American General Life Insurance Company and their distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Individuals should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. AGLC108525REV0715 © 2016. All rights reserved.

American International Group, Inc 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 www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: http://www.linkedin.com/company/aig 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 www.aig.com. 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.