Protection your clients never knew they always wanted Presented by: Name Title Life Insurance | AIG Financial Distributors Welcome and thank you for attending. Today we are going to address in 20 minutes or less, we are going to discuss protection that your clients never knew they always wanted. Policies issued by American General Life Insurance Company, member of AIG

Make clients the beneficiary of their own life insurance policy Clients don’t stay awake at night worried about life insurance . . . they are worried about their retirement Refocus your efforts on solutions for clients’ pain points Focus on “Retirement Insurance” How well do you know your clients? Do you know what is a bothering them? What is their big pain point? If you did, would that help you provide value to them? For the most part, we can all agree that most clients do not stay awake at night worried about their life insurance coverage. It is a pretty safe bet that your clients are worried about their retirement. It is all over the news – unemployment uncertainty, increasing with health care costs skyrocketing – all of these can tap into retirement assets. Yesterday’s solutions don’t solve today’s problems. Refocus your efforts on solutions by focusing on “Retirement Insurance”.

Why focus on “Retirement Insurance”? The facts speak for themselves – this is a huge pain point Why? The facts speak for themselves . . . this is a huge pain point for Americans . . . and an awesome market opportunity. Read stats as animation builds , November 2014 , November 2014 , December 2013

Clients are scared of outliving their assets Healthcare expenses are a significant concern Did YOU realize how much healthcare expenses affect retirement assets? Did YOU realize how much retirement assets & healthcare expense concerns are related? Read stats as animation builds THE 2Q11 SUNAMERICA RETIREMENT RESETSM STUDY CONDUCTED BY HARRIS INTERACTIVE SURVEYED A NATIONALSAMPLE OF ADULTS AGE 55+. , September 2014 , 2014 2011 ASCO Annual Meeting

Life Insurance = “Retirement Insurance” This is the new generation of life insurance During everyone’s lifetime, they will most likely do 1 of 3 things: Die too soon Get sick Live a long life We know that life insurance can take care of #1 . . . but what about protecting retirement assets from #2 and #3? Enable your clients to be the beneficiary of their own life insurance policy Turn life insurance into a liquid pool of money that can be used for virtually any expense Provide clients with the ability to enjoy retirement with additional financial security Read slide 4

What does this solution look like? Protection for retirement assets throughout the Financial Life Spectrum Here is the financial life spectrum. Most people go through three phases. They are either building assets, protecting assets or trying to extend their assets. Wouldn’t it be great to mitigate all three potential risks during each of these phases of the financial life spectrum. Whether that be dying too soon, getting sick along the way or living too long. No matter whether you are in pre-retirement, transitioning into retirement, or solidly in your retirement years. There is one product that can help mitigate all of these risks. AG Secure Lifetime GUL II is a guaranteed UL policy that can address th “dying too soon” issue ; the Accelerated Access Solution is a chronic illness rider that can address getting sick, and the Lifestyle Income Solution can address living too long. The Accelerated Access Solution and Lifestyle Income Solution is a rider bundled called the AG Asset Protector and is available on the AG Secure Lifetime GUL II. This combination of riders on this life insurance policy provides the financial safety net to help get through all three scenarios. With American General Life’s AG Asset Protector, no other package of riders currently in the market today provide this revolutionary coverage!

AG Asset Protector® Rider Package Life insurance you don’t have to die to use AG Secure Lifetime GUL II – base policy for AG Asset Protector Permanent life insurance with Optionality® Guaranteed death benefit and cash value Enhanced Surrender Value rider – 50% ROP / year 20 Accelerated Access Solution – Chronic Illness Rider 101(g) – no LTC license necessary 2 / 6 ADLs or severe cognitive impairment 3 payout options: 2% or 4% of the Accelerated Access Solution benefit Per diem option with built-in inflation adjustment Lifestyle Income Solution – Longevity Rider Access 100% of your death benefit while you are LIVING for any reason after age 85 Read slide 6

Refocus on “Retirement Insurance” Solve your client’s problems with “Life Insurance You Don’t have to Die to Use” . . . AG Asset Protector Enable your clients to be the beneficiary of their own life insurance policy Read slide

This is the protection your clients never knew they always wanted View video to see how you can present this concept easily to your clients Consumer approved videos available for lead generation and for client meetings Read slide “In just six months I’m at over 25 AG Asset Protector cases sold with 6 more in the pipeline.” –S. Schumaci

Refocus, learn more and identify prospects Check out the compelling producer testimonials on this topic Learn More: Go to RetireStronger.com Visit “Making the Sale” page - step-by-step online training program Learn about the market and identify needs Call your American General Life representative Set up a webinar or in person training session Find out how the “napkin tools” and other tools can work for you Identify Prospects: Email infographics, videos and thought provoking materials to your client/prospect database today – available on RetireStronger.com Read slide

Questions?

Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 13460, ICC13-13460, 13717, ICC13-13717; Rider Form Numbers 13600, ICC13-13600, 13972. 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. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION. AGLC108241 © AIG 2014. All rights reserved.