0 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC

1 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC You asked, we answered Life insurance distribution is changing Consumers expect fast and easy processing Our ultimate goal: A best-in-class solution

2 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. Benefits Simplifies the producers sale In most cases all the information needed will be collected up front, but in some instances American General may need to request additional information Data entry requirements limited to those a licensed producer must collect Easy web tools accessible via single sign-on to eStation or through WinFlex, Vital Term and agency websites without additional authentication Improves issue time by reducing 1-4 days of processing Trained interviewers gather detailed Underwriting information required on Parts A & B Interviewers access examiners schedule real time ExamOne quality review before eSubmit ensures application is In Good Order Producer focuses on relationship, sale and customer needs American General and ExamOne take care of the rest – at no cost to the agency

3 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC Selects product and rate class Prepares client for teleinterview and exam Accesses AG Quick Ticket Enters data and eSigns Checks status Completes application packet Schedules exam Delivers application packet for signatures QCs form then eSubmits Submitted for underwriting decision If approved, policy delivered Producer Vendor New Business Ticket Process Overview

4 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC AG Select-a-Term: 15 & 20 – 30 years AG ROP Select-a-Term: 20 – 35 years AG Secure Lifetime GUL: Fixed UL with Guarantees Not currently available: US Life (NY) applications, replacements, separate owners/payers Access AG Quick Ticket Enter the clients information Explain the next steps to the client outlining the teleinterview and paramedical exam process All required fields must be completed Ticket submitted to vendor for fulfillment Client contacted in 24 hours If no contact is made, follow-up every 26 hours up to 7 days Agency notified after 7 days if no contact is made Licensed Agent determines right product & rate class for client Agent enters client information on AG Quick Ticket* Ticket submitted electronically to vendor Vendor contacts client Online Process

5 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC Application packet completed Exam takes place at clients home, place of business or at an ExamOne branch office. Application packet provided to the client for review and signatures Examiner performs exam Application packet checked for completeness Application packet images sent to American General Telephone interview Paramedical exam scheduled Examiner delivers forms for signatures Scrubs forms and images to American General Online Process, continued

6 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC eStation and LifeSpeed

7 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC Monitor Ticket Status To monitor the status of a submitted ticket estation.americangeneral.com examone.com/agents-agencies Agency Management Systems receiving AGs pending status feeds

8 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. Marketing Support Video Support materials Producer Guide User Functionality Guide Quick Reference Guide Client Prep Guide

9 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC Coming soon… Look for these valuable enhancements in the second quarter of 2012 Addition of US Life (New York) applications Ability to send unsigned quote/illustration images to ExamOne

10 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC

11 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC Important Information Policies issued by: American General Life Insurance Company (American General Life) 2727-A Allen Parkway, Houston, TX The United States Life Insurance Company in the City of New York (US Life) One World Financial Center, 200 Liberty Street, New York, NY AG Secure Lifetime GUL Policy Form Numbers 10460, ICC-10460, 10460N; AG Select-a-Term Policy Form Numbers 07007, ICC-07007, 09007N; AG ROP Select-a-Term Policy Form Numbers and 10001N. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life or US Life are the issuing insurers responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. US Life is authorized to conduct insurance business in New York. Policies and riders not available in all states. American General Life Companies, is the marketing name for a group of affiliated domestic life insurers, including American General Life and US Life. ©2012. All rights reserved. AGLC REV0512