Illustrating QoL Guarantee Plus GUL II Presented by… Trevor Keeble, Director of Product Training Welcome, use this walkthrough to get comfortable illustrating QoL Guarantee Plus GULII. "Policies Issued by American General Life Insurance Company"

Main navigation will take place via the WinFlex Shortcuts window. WinFlex Dashboard Main navigation will take place via the WinFlex Shortcuts window. Let’s start with the “Illustrations” icon. This will be the launching point to begin running illustrations. This is the first screen you will see once logged into WinFlex. This is called the Dashboard. From this screen you can navigate to any section in WinFlex via the WinFlex Shortcuts window. (WinFlex Web, WinFlex Express, Client Manager, Agent Manager, Group Manager, User Profile) This screen will also provide you with historical data on previous products illustrated. There is also a latest news area as well. Let’s start with the “Illustrations” icon. This will be the launching point to begin running illustrations.

Running Basic Illustration – QoL Guarantee Plus GULII The next screen that will appear will have some additional options. First as you can see on the left hand side will be a list of recent previous clients/illustrations you have ran. From here you can simply click on a previous client name to advance to the illustration input section in WinFlex. (Cover icons (calculate, save, copy, remove)) If you have ran an illustration previously and the client is not listed down the left hand side you can choose the load saved case icon which will allow you to view all of your previous saved cases. For the purposes of today’s training will simply click start a new case. This will be the primary way you will begin to run an illustration for a new client.

Company & Product Selection Screen The next screen that will appear is the company and product selection screen. Here you can choose which company you would like to illustrate as well as select the correct product. Today we will illustrate QoL Guarantee Plus GULII. Once we have that selected we simply click create client to begin the illustration.

Insured Tab First up is the insured tab. First highlight buttons in the upper right (calculate, change product, help). Next cover inputs…. Client Name Sex Date of Birth Age Class—Make sure to choose the appropriate rate classification. If you choose “standard non-tobacco or tobacco” the table rating and flat extra fields will open up. Table Rating Temporary Flat Extra Permanent Flat Extra Finally, enter the correct State of Issue

Solve For Tab Next is the Solve For tab. You can see the 3 different solve options available. For this client let’s assume we know how much face amount is needed ($1,000,000) simply choose “Premium” as the Solve For option. You will also notice on the right hand side throughout WinFlex are helpful tips. If you have questions about what each of the input options mean you can find a brief description here. These items will change based off of what field you are currently in.

Solve For Tab After we have chosen Solve For “Premium” we need to compete the rest of this section. There are a couple options in the “Premium Solve Option” box. Since this is a guaranteed death benefit product, we are going to solve for the “Guaranteed Premium”. Next, enter the age you want the death benefit guaranteed to in “Guarantee Age”, input the face amount, and choose the “Years/Age to Pay Premium”. You can either pay for the Maximum number of years (all years), of if you wish to do a short pay you can choose “Year” or “Age” and enter how long you want to pay the premiums. For this example, we will leave it at “Max”.

Solve For Tab The bottom section in this tab is for the Living Benefit Options available on this product. To open up that field, check “Living Benefit Option”. After that, you can check “Accelerated Access Solution (AAS)” to include that rider on the quote or “Lifestyle Income Solution (LIS)” to include that rider on the quote. Checking either of those boxes will open up a couple of additional sections that need to be completed associated with each of those riders. If you would like to include both riders on the quote, check the box “Asset Protector Living Benefits Bundle (AAS + LIS)”. You can see the additional information that needs to be completed for each of those riders. For additional information, or details on how these riders work please review the material on eStation or the QoL Training Playbook. For this example, we will leave all additional riders off of the quote.

Disbursements Tab It is unlikely you will use the Disbursements tab for this product. However, if you wish to show a withdraw coming from the cash value you would do so by checking “Disbursements” then entering the additional information that is required.

Policy Options Next up is the policy options tab. Level is the only DB option available. Choose the Premium Payment Mode you would like to reflect on the quote. If there is any 1035 exchange or lump sum money being applied to this policy you also would enter that in the corresponding sections on this tab. 

Discounts Tab If you are utilizing the QoL Advantage program and applying for term policy(ies) with this GUL, you will input that information in the Discounts tab. Note that each of these boxes needs to be checked to receive the full discounts provided with QoL Advantage. Enter the additional term policy face amounts and their durations in the boxes provided. Remember to choose the correct Class so the quotes are accurate.

Riders Next is the riders tab. Here is where you will indicate if the client is purchasing any additional riders. You will notice a couple of the riders are automatically selected and greyed out. These are included automatically for no additional charge so they cannot be removed. You may also add Waiver of Monthly Deduction, Accidental Death Benefit, Children Insurance Benefit, and/or Spouse/Other Insured Term Rider if they are available for your case.

Reports Tab In the Reports tab you may add additional reports if you would like. Notice that some a greyed out and not available because of the “Solve Option” that was selected in the Solve For tab.

Agent Info Tab The Agent Info Tab will automatically be populated with your agent information including name, address, and contact information. If you need to change any of the information or wish to remove any of the information you may do so here. NOTE: Agent state must be filled in to produce an illustration. All other fields are optional.

Understanding Errors Before you run the illustration it is important to check for any errors. WinFlex Web will specifically tell you whether or not there are any errors in the design of your illustration. If you see any errors on the right hand side of the screen they will need to be corrected before the illustration is ran. By clicking on the link it will open an “Errors” box that outlines the specific errors in the illustration. In this example it tells me that my total base face amount is too high I need to reduce it to a lower amount. Clicking on the “Question Label” link will take you to the correct page to fix that specific error. Or you can click fix all errors which will automatically change it the max or correct input.

Running the Illustration Once you have entered all of the inputs the way you want, the illustration is ready to be produced. Click “Calculate” in the upper right hand corner to begin this process.

Illustration Results After clicking calculate you will be taken to the illustration results screen. Here you can click the pdf icon which will bring up the illustration which you could then save, print, email, etc…. You can also click “InsMark”, if you have that system downloaded to produce different client presentations. Your Winflex Web will also have a green “eApply” button between the PDF illustration and the InsMark Icon. By clicking that button you will launch into the eApplication system to complete the electronic app. Finally, you can also click the send button in the upper right hand corner to directly email the illustration as well.

Thank you. AGLC111312 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.