2 Policies Are Better Than 1 Read Slide Using 2 Policies may Significantly Enhance the Consumer Value Policies issued by American General Life Insurance Company, member of American International Group, Inc. (AIG)

QoL Guarantee Plus GUL II + QoL Flex Term Read Slide The New and Improved ROP Play

QoL Guarantee Plus GUL II + QoL Flex Term Example George is 55, preferred NT and currently needs $2M of death benefit protection for his family. He would prefer to not make premium payments during his retirement years. George hopes to maintain some death benefit during his retirement years but not necessarily all $2M. If he could access the policy for income shortfalls or financial emergencies that would be an ideal solution. Read Slide What do you present to George as the most appropriate solution? Term? GUL? IUL? Laddered policies? Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

QoL Guarantee Plus GUL II + QoL Flex Term $1M QoL Guarantee Plus GUL II w/ LIS Rider Premium $17,999 $1M 20 yr QoL Flex Term 20 yr Term Premium $3,440 Total Annual Premium $21,439 X 20 Years $428,780 LIS 75, Age 76-85 $430,000 Note: We paid up the GUL in 20 years or at George’s age 75. Receive back all “guaranteed” paid premium and still have Remaining DB $140,000 Read Slide LIS Calculation: Input LIS amount of $43,500 from ages 76-85 Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

QoL Guarantee Plus GUL II + QoL Flex Term $1M QoL Guarantee Plus GUL II w/ LIS Rider Premium $17,999 $1M 20 yr QoL Flex Term 20 yr Term Premium $3,440 By presenting this solution what did you just accomplish for George? Total Annual Premium $21,439 X 20 Years $428,780 LIS 75, Age 76-85 $430,000 Receive back all “guaranteed” paid premium and still have Remaining DB $140,000 Met his need of $2M of death benefit protection. Reduced the premium outlay by laddering* a GUL and a term policy. Allowed George to turn his policy into positive cash flow during his retirement years. With the QoL ABRs you’ve created a pool of money for George to access in the event of chronic illness. If he waited to accelerate the LIS rider he could increase his annual income. Explain numbers then read bullets *Please inform clients to consult a financial professional to determine if the laddering technique is appropriate for their situation. Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

2 QoL Guarantee Plus GUL II Policies Read Slide Two Policies for Double the Guaranteed Income Duration

2 QoL Guarantee Plus GUL II Policies Example Jonathan is a 45 year old that desires $1M in death benefit protection. He’s uncertain whether he will need the entire $1M of death benefit in perpetuity. He’s somewhat risk averse and likes the idea of having a guaranteed income source during retirement. Has some concerns on the potential costs of future care should he become chronically ill. What do you present to Jonathan as the most appropriate solution? Term and a SPIA? GUL and a deferred annuity? LTC policy? Read Slide Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

2 QoL Guarantee Plus GUL II Policies One Policy Solution Solution #1 $1M QoL Guarantee Plus GUL II Annual Premium $9,522 X 20 Years $190,436 LIS @ 76-85 $60,000 LIS @ 86-95 $100,000 Two Policy Solution* Solution #2 Although it costs a little extra, Jonathan likes solution #2 for the flexibility AND the ability to have up to 20 years of guaranteed income. 2 $500k QoL Guarantee Plus GUL II Annual Premium $10,334 X 20 Years $206,680 LIS @ 76-85 $30,000 LIS @ 86-95 $50,000 Read Slide LIS Calculations Solution 1: Input $60,000 LIS from ages 75-85 OR input LIS $100,000 from ages 85-95 LIS Calculations Solution 2: Input $30,000 LIS from ages 75-85 or input $50,000 LIS from ages 85-95 *Please inform clients to consult a financial professional to determine if the laddering technique is appropriate for their situation. Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

2 QoL Guarantee Plus GUL II Policies 2 $500k QoL Guarantee Plus GUL II Annual Premium $10,344 X 20 Years $206,680 LIS @ 76-85 $30,000 LIS @ 86-95 $50,000 By presenting this solution what did you just accomplish for Jonathan? Provided his desired $1M of death benefit. Yielded a flexible guaranteed income level for up to 20 YEARS! ROP on 2 policies (Policy years 20 and 25) $1M made available for QoL ABR coverage should he need it. Explain numbers then read bullets Provided this flexibility at an additional cost of only about $850 per year. Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

2 QoL Guarantee Plus GUL II Policies Read Slide Using ROP to pay up second policy

2 QoL Guarantee Plus GUL II Policies Example Sandra is 50 and a standard NT risk. She currently has a $2M insurance need for personal planning needs. She has some concerns over prior insurance presentations with limited flexibility and options on GUL contracts. However, she doesn’t want to continue waiting to put insurance in force while they’re both still healthy. Read Slide What do you present to Sandra as the most appropriate solution? One GUL policy? Two GUL policies? Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

2 QoL Guarantee Plus GUL II Policies Solution #1 One GUL would work well. It’s guaranteed cash value and 100% ROP in year 25 may provide the flexibility she desires. This would be an all pay of $20,010 for a guarantee to age 105. She could also surrender her policy in the 25th year and get the entire $500,241 of premium back. Solution #2 Female, age 50, SNT, $1MM DB for each policy 2 QoL Guarantee Plus GUL II Policies Solution Policy 1 Age 105 Premium $10,005 Policy 2 Total Annual Premium $20,010 Surrender ROP in Year 25 $250,121 Single Pay in Year 26 to Maintain age 105 Guarantee $185,000 Remaining ROP $65,121 Death Benefit Yrs 26+ $1,000,000 Read Slide Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

2 QoL Guarantee Plus GUL II Policies 2 QoL Guarantee Plus GUL II Policies Solution Policy 1 Age 105 Premium $10,005 Policy 2 Total Annual Premium $20,010 Surrender ROP in Year 25 $250,121 Single Pay in Year 26 to Maintain age 105 Guarantee $185,000 Remaining ROP $65,121 Death Benefit Yrs 26+ $1,000,000 By presenting this solution what did you accomplish for Sandra? Provided her desired $2M of death benefit. The flexibility to not only cut her coverage in half but also get all of their premium back on the surrendered policy. Provided this flexibility at an no additional premium cost by splitting the policies. She still has access to the DB for chronic, critical, or terminal illness. ROP on 2 policies (Policy years 20 and 25) Explain numbers then read bullets Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

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Important Information Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers ICC15-15603, ICC15- 15604, ICC15-15602, ICC15-15600, 82012, 82410, 88390, ICC14-14002, 14306, ICC15-15997, ICC15-15996, ICC15- 15994, ICC15-15271, ICC15-15274, ICC15-15272, ICC15-15273. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). 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. Guarantees are backed by the claims-paying ability of the issuing insurance company. 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. This information is general in nature, may be subject to change, and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant. Please visit www.qualityoflifeinsurance.com for important disclosures regarding accelerated benefit riders. © AIG 2017. All rights reserved AGLC110626 MC Job Number -34431-17 Read Slide