Guaranteed Issue Whole Life Insurance (GIWL) Policies issued by American General Life Insurance Company ("AGL“) 1

Source: LIMRA and LIFE Foundation2016 Insurance Barometer Study Who Needs GIWL? 1/3 Almost 42% 1 in 4 of people aren’t buying life insurance or more of it because they don’t like thinking about “death.” of Americans say they are concerned with burdening others with their funeral expenses. Americans say they need more life insurance than they have. Source: LIMRA and LIFE Foundation2016 Insurance Barometer Study 2

Reasons to Buy GIWL Client prefers not to take a medical exam Desire for permanent protection – i.e., won’t go away in 10, 15, or 20 years Client doesn’t want to burden others with final expenses An additional, easy to get, modest legacy for loved ones Client living on fixed income who requires non fluctuating payments 3

GIWL Competitive Product Guaranteed Issue – No medical questions Face Amounts: $5,000 - $25,000 Ages 50-85 (ALB) Graded Death Benefit Whole Life Years 1-2: 110% of premiums paid Years 3+: Full Face Amount Accidental Death: Full Face Amount Unique Chronic Illness Acceleration Benefit at no additional cost Returns 100% of premiums paid, up to 50% of Face Amount No waiting period One-time lump sum payment when insured becomes chronically ill (2 out of 6 ADLs) There will be no underwriting questions for this product. No medical exam will be required for this product. Foreign Nationals will not be allowed to purchase this product. Underwriting Classes: standard, sex distinct, unismoke. No substandard classes. All issues for this product will be an instant-issue decision. Policy Loans are allowed. The Effective Annual Loan Interest Rate = 8%, payable in arrears. Free Look 30 Days Grace Period 31 Days Single Premium Not Available Terminal Illness Benefit Included 50% of Death Benefit within 24 month life expectancy or less 4

GIWL Product Requirements Insured must be Owner Payor can be different than Insured Social Security number will be required Only one policy per Owner/Insured in a twelve-month period Insured can get no more than $25k total in GI insurance from American General No replacement or conversion into this product allowed Payment options include bank draft, credit card, and social security debit card (for initial and recurring); able to set delayed billing and specify date. Highlight after 2nd bullet: Foreign Nationals will not be allowed to purchase this product. Foreign National cannot be payor. 5

GIWL Chargeback/Lapse Rules Chargebacks apply on death and lapse Lapse (Year 1 only) Months 1-6: 100% Months 7-12: 50% Death (Years 1-2) Year 1: 100% Year 2: 50% 6

GIWL Competitive Product Analysis As of September 6, 2016 American General Life (AGL) Gerber Kemper MetLife Mutual of Omaha Product Name Guaranteed Issue Whole Life Guaranteed Life Insurance Plan Guaranteed Acceptance Whole Life Whole Life Guaranteed Coverage Available $5,000 - $25,000 $5,000 - $20,000 $2,000 - $25,000 Issue Ages 50 - 85 50 - 80 40 - 80 50 - 75 45 - 85 Graded Benefit Coverage (non ADB) 110% of premiums paid Premiums paid + 10% interest compounded annually 120% of premiums paid 110% of premiums paid Chronic Illness Benefit Return of Premium Up to 50% of face No waiting period None Terminal Illness 50% of Death Benefit with 24 month life expectancy Every attempt has been made to verify accuracy of this information, but rates are subject to change any time. These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information. 7

GIWL Competitive Pricing As of September 6, 2016 $10,000 Face Amount, Monthly Premiums Age AGL Gerber Kemper MetLife Mutual of Omaha   55 $56 $46 -18% $98 +75% $61 +8% $49 -13% Male 65 $73 $68 -6% $130 +78% $97 +32% $71 -2% 75 $124 $125 +1% $167 +35% $164 $127 +2% $40 $36 -10% $85 +112% +21% Female $54 $55 +3% $109 +102% $70 +29% $96 $90 $146 +52% $119 +23% $100 +4% $15,000 Face Amount, Monthly Premiums $84 $69 $145 +72% +7% $72 -14% $102 $192 +76% $144 $106 $186 $187 +0.5% $248 +33% $245 +31% $189 $59 $53 +22% -9% $81 $83 $161 +99% $104 +28% 0% $143 $135 $216 +51% $177 +24% $150 +5% $20,000 Face Amount, Monthly Premiums $111 $91 +73% $120 $114 $136 +19% $254 +123% +68% $142 $247 $329 $326 $252 $78 $165 $107 $110 $214 +100% $138 $108 $190 $180 -5% $287 $236 $199 Every attempt has been made to verify accuracy of this information, but rates are subject to change any time. These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information. 8

GIWL Technology Platform Strategy and Process Designed to enable a simple, straight-through electronic sales and application process Easy to use, responsive design – works on tablet and mobile devices Provides simple quoting with upsell suggestions Includes all forms, disclosures, etc., needed at point of sale Validates all information is correctly completed – no incomplete applications Validates payment information in real time helping agents maximize productivity 9

Self Registration – One Time Process https://www-115.aig.com/amerilife Explain you will need agent number to register for the site. Agent will receive link to site in the welcome letter/email. Might take a short amount of time after appointment for agent number to be active and recognized on the site. 10

Self Registration – One Time Process Highlight agent code verification. 11

Log In 12

Landing Page Cover drop down menu options (profile (change info) dashboard, Get Quote, Change Password, Logout) 13

GIWL Quote Process Reminder: Product Requirements Insured must be Owner Payor can be different than Insured Social Security number will be required Only one policy per Owner/Insured in a twelve-month period Insured can get no more than $25k total in GI insurance from American General No replacement or conversion into this product allowed Payment options include bank draft, credit card, and social security debit card (for initial and recurring); able to set delayed billing and specify date. 14

GIWL Quote Process Discuss upsell. Next click on forms at the top to begin the paper application process. Next there are two ways to complete the application: we could start application online or access forms. 15

Application Process Options There are two ways to complete an application: Paper Forms – Can be printed out, filled out by hand and faxed into AIG Electronic Order Entry – Filled out online with instant submission and, in most cases, instant processing 16

Paper Application Process 17

Download Application Packet 18

Application Packet Cover agent name, number, agency pre-printed on the application. Use forms checklist to ensure you have all necessary paperwork. Transmittal Form MUST be included with all of the paperwork when the documents are faxed into AG. Transmittal form should be submitted on top. 19

GIWL Paper Application All prescreening is to be done by the Distribution Partner to ensure all information is correctly submitted. No = Ineligible – Do not send to AIG No = Ineligible – Do not send to AIG Yes = Ineligible – Do not send to AIG Bank draft or credit card is required for this product. 20

Fax Process Flow Get Quote Download Forms Complete Forms with Applicant Prescreen forms for completeness and product eligibility Fax prescreened forms with GIWL Transmittal Form to AG Upon receipt at AG Forms will be reviewed for completeness Policy will be data entered and issued Get Paid 21

Online Application Process eSignature 22

Get Paid! Electronic Process Flow 1 2 3 4 5 Agent Login Prepare Quote Obtain Quote 4 5 Fill Out Application Download Completed Application Copy Get Paid! 23

GIWL Online Application Process 24

GIWL Online Application Process Reminder: Product Requirements Insured must be Owner Payor can be different than Insured Foreign Nationals – cannot be an insured and cannot be a payor Social Security number will be required Only one policy per Owner/Insured in a twelve-month period Insured can get no more than $25k total in GI insurance from American General No replacement or conversion into this product allowed Payment options include bank draft, credit card, and social security debit card (for initial and recurring); able to set delayed billing and specify date. 25

GIWL Online Application Process 26

GIWL Online Application Process Highlight premium in the upper right. 27

GIWL Online Application Process Everything is validated at point of sale. (system makes sure app is complete and correct) If an item is incorrect it will show up as red. If you save it, it will be housed in your dashboard for future access. (if you have pending clients the dashboard will be the first page that appears when you log in) 28

GIWL Online Application Process Explain DocuSign process. DocuSing will prepopulate signature of you can select the option to draw. 29

GIWL Online Application Process 30

GIWL Online Application Process 31

Online Application Process Voice Signature 32

GIWL Online Application Process Voice Signature You may want to add a note that the Voice Reference ID may not be applicable to all agencies.  33

Guarantee Issue Whole Life Agent Assisted Sales Product Availability by State WA ND MT AK NH MN VT ME SD WI OR ID WY NY MI IA NE CT PA RI MA IL IN OH NV NJ UT CO KS MO WV KY VA DE CA * TN OK NC DC* MD AZ NM AR HI SC MS AL GA TX LA Available for Sale Not Available for Sale As of Sept 7th 2016, Guarantee Issue Whole life is available in all states except NY, PA, ME. * Some Riders are not available in all states: - Chronic Illness & Terminal Illness ABRs not available in CA - Chronic Illness not available in DC FL 34

Marketing Material New Marketing Material! Consumer Brochure The Agent Guide Rate Calculator Top 10 Reasons to Sell 35

Questions 36

Important Information Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers ICC15-15532, 15-15532; Rider Form Numbers, ICC15-15201, 15-15201, ICC15-200, 15-200. 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. AGLC110198 © 2016 AIG. 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.