FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Policies issued by American General Life, a member company of AIG, Name Title Live Longer. Retire Stronger. Life insurance you don’t have to die to use

2 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION The conversation around retirement and aging has changed  People are living longer and retiring stronger with more diverse lives than ever before  For many Americans, their second half of life is long and rich with experience including perhaps a second career, new hobbies, travel plans or spending time with family  In some cases, these experiences are not always planned, like facing unexpected financial situations such as supporting adult children or parents, market changes, an illness or even an untimely death Traditional life insurance with standard death benefit protection is no longer enough “I may not be able to afford the retirement I want because I will be providing for my kids’ and granddaughter’s future.” -Preretiree, SunAmerica Retirement Reset Study focus group 2 2 The SunAmerica Retirement Re-Set SM Study 2Q11 US public opinion poll was conducted by Harris Interactive via telephone interviews with a national sample of 1,001 adults age 55+ representative of general population by income, ethnicity, geography and gender.

3 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Life insurance for the living Living benefit options provide the ability to turn your life insurance contract into an income stream to handle the unexpected

4 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Because it’s a value-driven conversation, it makes price less relevant Living benefit options – creating numerous benefits for both agents and clients 1 It gives consumers a reason to purchase permanent life insurance instead of term insurance 2 The value proposition revolves around the concept that this is “Life Insurance For The Living” 3 For the first time, life insurance buyers have the opportunity to spend their death benefits while they are still alive, creating an entirely new era of financial security provided by life insurance

FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Retirement Life Stages Stage 1 – Preparing for Retirement Stage 2 – Transitioning into Retirement Stage 3 – Living in Retirement Stage 4 – Leaving a Legacy

6 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION What your clients need to know about Retirement Life Stages  Being able to retire when desired is a top concern across all family categories, age categories and income brackets  Americans can now expect to live up to years in retirement, through all kinds of circumstances  For many, employer sponsored plans and IRAs will not be enough to provide sufficient retirement income  Running out of funds for whatever reason is top of mind November 2014

7 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Adding value for your clients  We know that being able to retire when desired is a major concern across all family categories, age categories and income brackets  Helping your clients understand more about the retirement life stages can help you better explain how life insurance can play a key part in protecting their retirement assets along the way  By protecting their retirement assets you are helping them be better prepared for their financial future When looking at retirement planning, you can view it as a life-long process with 4 distinct phases and key considerations at each phase, December 2013

8 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Stage 1 – Preparing for Retirement  Developing an accumulation plan and goals  Dedicating funds towards retirement and not using them for unexpected expenses  Developing strategies to ‘pay yourself first’ Preparing for retirement may start for some in their 20’s and 30’s and for others much later. Key considerations may be – I CAN DO IT! Mortgage College Death benefit protection Dedicated retirement funds Paying yourself first

9 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Stage 2 – Transitioning into Retirement  Unplanned expenses taking care of children and/or aging parents  Developing a retirement income plan taking into account risk tolerance and timing  Becoming a money manager of your own plan Regardless of age, transitioning into retirement is a very important phase in the retirement planning life cycle. Key considerations may be – I’ve made it, how do I protect it? Can you handle life’s UNEXPECTED financial expenses? 70% of respondents believe their adult children will need financial assistance The 2Q11 SunAmerica Retirement Re-set SM study conducted by Harris Interactive surveyed a national sample of adults age 55+

10 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Stage 3 – Living in Retirement  Fear of outliving retirement assets due to unexpected expenses or illness  Unexpected early retirees need to fund longer retirement  Downsizing/rightsizing and geographic relocation (near children/grandchildren) Now the challenge is to navigate varying circumstances and stick to your planned income stream. Key considerations may be – I’m living it! How do I make sure it lasts?, November 2014

11 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Stage 4 – Leaving a Legacy  Determining amount and tax-optimized strategies for wealth transfer  Asset distribution – trust & will development  Charitable giving Leaving a legacy is important to many Americans. If you want to transfer your estate to your family or charitable organization, it is wise to minimize taxes along the way for those involved in your estate. Key considerations may be – I’ve made a difference! September 2014

12 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Protection for the best of times and the worst of times The importance of having access to your death benefit while living is highlighted by some staggering statistics What does that mean for your financial assets?

13 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Protection for the best of times and the worst of times We are changing the way you think about and use life insurance 8

14 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Driving meaningful conversations  Help your clients understand: –Each of the retirement stages –Which stage they’re currently in –And planning that may be appropriate at this time in their financial life Driving meaningful conversations about how life insurance can play a key part in protecting your clients’ retirement assets every step of the way Stage 1 – Preparing for Retirement Stage 2 – Transitioning into Retirement Stage 3 – Living in Retirement Stage 4 – Leaving a Legacy What if your savings expire before you do?

15 FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION Live Longer. Retire Stronger. American General Life, a member company of AIG, can help you help your clients retire STRONGER

Policies issued by American General Life Insurance Company (AGL). 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. © All rights reserved.. FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION