For Producer Use Only – Not For Dissemination To The Public Introducing Elite Index ® II Cost-effective life insurance with upside potential and downside protection Presented by…

FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Life insurance provides your clients with the security of providing for their families or business if they should die prematurely. But when purchasing life insurance they are faced with choices. Should they opt for the security of a fixed product with today’s low interest rates, or choose a variable product with inherent volatility? Now your clients have the opportunity to benefit from both worlds.

For Producer Use Only – Not For Dissemination To The Public Today, there is a new choice Elite Index II

4 For Producer Use Only – Not For Dissemination To The Public Elite Index II Target Market  Desire life coverage with upside cash value growth potential and downside guaranteed protection  Key ages  Moderate to conservative risk tolerance  Policyholder objectives: –Primary: Low-cost death benefit protection –Secondary: Income production to supplement retirement

5 For Producer Use Only – Not For Dissemination To The Public What’s New With Elite Index II?  Protection with simplified guarantees and now including a chronic illness rider –Now offered with the Accelerated Access Solution SM – gives you the option to accelerate your death benefit in the event of a chronic illness, if all criteria are met –Simplified death benefit with no-lapse guarantee – now guaranteed for 20 years or age 80 (whichever comes first) New

6 For Producer Use Only – Not For Dissemination To The Public What’s New With Elite Index II?  Higher upside potential for growth –Increased cap rates – now at 13%, offering greater opportunity for growth if the market performs well –Higher participation rates – now at 70%, offering greater opportunity for growth in the market performs well –New Choice Loan option – allows the client to access their funds while they remaining eligible for potential index crediting New

7 For Producer Use Only – Not For Dissemination To The Public Key Benefits of Elite Index II  Competitively priced, fixed index universal life protection for individual and business needs.  Interest crediting based in part on the one-year point-to-point growth in the S&P 500.  Ability to allocate premiums among Cap Rate Index Account, Participation Rate Index Account and Declared Interest Account.

8 For Producer Use Only – Not For Dissemination To The Public Key Benefits of Elite Index II  Minimum Death Benefit $50,000  Rolling 2-Year target premiums (not available in New York)  Maximum issue age of 90 and Preferred Plus underwriting class available to issue age 80  Four cost of insurance (COI) bands

9 For Producer Use Only – Not For Dissemination To The Public Loan Options  Loans –The effective annual loan rate is 4.00 percent. It is payable in advance at the rate of 3.85 percent. –Annual effective rate of 3.00 percent will be credited to the portion of the accumulation value that equals the amount of policy loans.  Preferred Loans –Available after 10 policy years. –Maximum preferred loan amount is 10% of the average at the beginning of the policy year. –Loan rate (not guaranteed) currently equals the credited rate applied to the policy loan. Standard & Preferred

10 For Producer Use Only – Not For Dissemination To The Public Loan Options  Choice Loans –Available whenever there is an amount of cash value accumulation in the policy. –Fixed rate of 6.00% –Policy values in these accounts continue to participate in the index account Choice New

11 For Producer Use Only – Not For Dissemination To The Public Available Riders  Accidental Death Benefit Rider  Children’s Insurance Benefit Rider  Spouse/Other Insured Rider  Overloan Protection Rider  Terminal Illness Accelerated Benefit Rider  Accelerated Access Solution SM (Chronic Illness Rider)  Waiver of Monthly Deduction Rider  Maturity Extension Option

12 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Adult DaycareAssisted Living Family CareNursing Home Care Virtually any expense, even those unrelated to the illness A chronic illness 1 rider for Elite Index II The funds can be used to help pay for – 1 Insured must be certified as chronically ill by a licensed physician and meet all eligibility requirements. Adult DaycareAssisted Living Family CareNursing Home Care Accelerated Access Solution SM

13 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Benefits of Accelerated Access Solution  101(g) –No LTC license necessary: only Life / A&H –2-out-of-6 ADLs or severe cognitive impairment –Deemed to be permanent  Indemnity –No receipts, spend benefits on anything  Choose your total AAS Benefit Base –Minimum = greater of 50% of DB or $50,000 –Maximum = lesser of 100% of DB or $1,500,000  Maximum Monthly Benefit = IRS Monthly Per Diem, with choice of 3 caps: –2% of AAS Benefit Base; –4% of AAS Benefit Base; or –AAS Benefit Base ÷ 12

14 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Benefits of Accelerated Access Solution Inflation hedge against future costs  Purchase more than today’s Per Diem limit! –Many products won’t allow it! –Provides inflation protection with a maximum monthly benefit cap  4% Cap – example: –4% of $300,000 = $12,000 per month –Go on-claim in 2014: Collect $9,900 per month –Go on-claim in the future when Per Diem = $15,000 per month: Collect $12,000 per month  Per Diem – example: –$300,000 AAS benefit –Maximum monthly benefit: $300,000 ÷ 12 = $25,000 per month

15 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Accelerated Access Solution Specifications  Issue Ages 18 – 70  AAS Rider must be added at policy issue –Cannot be added to an existing policy  Available through Table D!  Waiver of costs for the entire policy –If less than 100% is accelerated, 100% of policy costs are still waived while on claim

16 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Supplemental Application for Accelerated Access Solution

For Producer Use Only – Not For Dissemination To The Public Life insurance for retirement planning with IUL

18 For Producer Use Only – Not For Dissemination To The Public Problem:  William, age 45, is an accountant living with his young daughter, his wife and his mother-in-law Bridget who is in poor health. He has a solid retirement plan made up primarily of his 401(k) and IRA accounts, but is concerned that what he has saved in these accounts may not be enough to provide for all of the financial demands he may have in retirement.  William needs life insurance and he would like to supplement his death benefit protection with potential cash accumulation in a tax-efficient manner to help supplement his retirement income. This protection of additional income could help pay for his daughter’s college tuition or additional healthcare for Bridget if needed. Supplemental Retirement Income in a Tax-Efficient Manner

19 For Producer Use Only – Not For Dissemination To The Public Solution:  William speaks with his financial advisor and decides that with the death benefit protection plus upside potential of cash accumulation and tax-efficient access 1 makes index Universal Life insurance a good fit for his needs.  He purchases an Elite Index II policy from American General. To maximize his cash accumulation potential, decides to pay premiums of $15,000 / year, which provides an initial death benefit of $320,000 2 which is guaranteed for 20 years and will grow with the cash value of his policy. Index Universal Life Insurance 1.Based on current federal income tax laws, policy owners should consult a qualified tax advisor. 2.Numbers rounded for illustrative purposes. Initial Level Death Benefit of $321,231

20 For Producer Use Only – Not For Dissemination To The Public Upside Potential with Downside Protection William knows that results will vary with market performance, and together he and his financial advisor look at two different hypothetical scenarios: Hypothetical Rate of Return Cash Value at Age 65 Income Stream for Age 66 to Age 85 6%$500,000 1 $38,000 2 /year (using standard loans) 7.5%$600,000 3 $54,000 4 /year (using Choice loans) 1. Numbers rounded for illustrative purposes. Cash value at 6% over 20 years is $499, Numbers rounded for illustrative purposes. Income stream at 6% over 20 years is $38,719 / year 3. Numbers rounded for illustrative purposes. Cash value at 7.5% over 20 years is $593, Numbers rounded for illustrative purposes. Income stream at 7.5% over 20 years is $54,590/ year Illustrated for Male, preferred non-tobacco, paid to 65, increasing death benefit to level at age 65. Income for ages

21 For Producer Use Only – Not For Dissemination To The Public Tax-Efficient Income Stream Option in Retirement  William’s mother-in-law Bridget lives with them for 10 years and eventually moves into a nursing home, and eventually passes away 5 years later. William continues to provide financial assistance during this time which reduces the amount of funds he is able to invest into his retirement portfolio.  William retires at age 65 at which time his daughter is in her freshman year at college. At this point, William decides to access the cash value in his life insurance policy to help pay her tuition expenses and maintain his own lifestyle in retirement.

22 For Producer Use Only – Not For Dissemination To The Public Tax-Efficient Income Stream Option in Retirement  He decides to exercise his Choice loans option, which means his funds remain eligible for index or declared interest along with the remaining funds in his accounts. Unlike his qualified retirement plans, accessing accumulated cash value in his life insurance policy does not incur a tax penalty 1  The market has performed well, and at 7.5%, he is able to access $54,000 2 a year from his policy income-tax-free, according to current tax laws. 1. Based on current federal income tax laws, policy owners should consult a qualified tax advisor. 2. Numbers rounded for illustrative purposes. Income stream at 7.5% over 20 years is $54,590/ year

For Producer Use Only – Not For Dissemination To The Public Flexibility in your life insurance policy - upside potential and downside protection IUL vs GUL

24 For Producer Use Only – Not For Dissemination To The Public Why Index Universal Life Insurance?  Kevin, age 45, is a computer engineer and has two young sons with his wife, Christine.  He needs death benefit protection for his family while he is working, but is also interested in flexible features and potential cash value that he can use during his lifetime.  Kevin plans to retire at age 67 and also wants to be sure he has the resources available to build the future he has in mind – sending both of his sons to college, buying a vacation home and protecting for additional healthcare costs in the event of a chronic illness.

25 For Producer Use Only – Not For Dissemination To The Public The Conversation  Kevin speaks to his financial advisor asks to see the benefits of a similar premium payment in Index Universal Life policy (IUL) vs. Guaranteed Universal Life policy (GUL) in different scenarios.  He asks about what his upside growth potential would be in both policies – and with IUL, at two different rates of growth – 6%, and if the market performs well, 7.5%.  While the death benefit and cash values are guaranteed on GUL, the IUL can also offer a guarantee for a number of years as well as strong cash value potential.  Additionally, death benefit is guaranteed on GUL, while IUL only provides for a limited period of guarantees.  He also is interested in the Accelerated Access Solution, which would allow him to use a portion of his death benefit while he is living should he develop a chronic illness (when criteria is met). Index Universal Life vs. Guarantee

26 For Producer Use Only – Not For Dissemination To The Public IUL vs. GUL Index Universal LifeGuaranteed Universal Life $1M death benefit, with the option to accelerate 50% of his death benefit for chronic illness (capped at 4% per month) Guaranteed to age 66 $1M death benefit, with the option to accelerate 50% of his death benefit for chronic illness (capped at 4% per month) Guaranteed to age 100 Pay into the policy until age 67 Premium: 6% = $9,400 1 /year* 7.5% = $7,600 2 /year* Premium: $9,800 3 /year Cash value at age 67: 6% = $240, % = $200,000 5 Guaranteed cash value at age 67 = $21, Numbers rounded for illustrative purposes. IUL premium at 6% is $9,631/ year 2. Numbers rounded for illustrative purposes. IUL premium at 7.5% is $7,542.40/ year 3. Numbers rounded for illustrative purposes. GUL premium is $9,731 / year 4. Numbers rounded for illustrative purposes. IUL cash value at 6% over 20 years is $246, Numbers rounded for illustrative purposes. IUL cash value at 7.5% over 20 years is $200, Numbers rounded for illustrative purposes. GUL cash value at 20 years $21,517 *Premiums illustrated with the following assumptions - male, preferred non-tobacco class, Age 45, $1 million death benefit with 4% monthly Accelerated Access Solution benefit, solve to pay to age 67 and have $1,000 cash value at age 100.

27 For Producer Use Only – Not For Dissemination To The Public Answer: Elite Index II  Kevin chooses the upside potential with protection of the Index Universal Life insurance.  He purchases an Elite Index II indexed universal life policy from American General, and opts to include the Accelerated Access Solution allows him to access income tax-free death benefits if diagnosed with a chronic illness. 1,2  He chooses a $1M death benefit and decides to begin paying premiums at $7,600 3 / year.  He knows that he can also heavily fund the policy whenever he chooses, to increase the cash value he accumulates. 1. Based on current federal income tax laws, policy owners should consult a qualified tax advisor. 2. Insured must be certified as chronically ill by a licensed healthcare provider and meet all eligibility requirements. 3. Numbers rounded for illustrative purposes. IUL premium at 7.5% is $7,542.40/ year

28 For Producer Use Only – Not For Dissemination To The Public A Policy with Flexibility  Kevin enjoys fairly good growth in the market and accesses cash to help pay for the college education for his sons.  At age 75, Kevin has a stroke which leaves him requiring assistance and decides to exercise his Accelerated Access Solution, through which he is able to accelerate up to 50% of his death benefit.  This benefit helps them pay for modifications needed to their home due to his stroke without reducing their retirement portfolio substantially.

29 For Producer Use Only – Not For Dissemination To The Public Questions Policies issued by: American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas Policy Form Number 13717; Policy Form Number 13717N; Accelerated Access Solution (Chronic illness accelerated death benefit rider) form number ICC The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL are its responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. AGL does not solicit business in the state of New York. AGL is a member company of American International Group Inc., (AIG). AIG does not underwrite any policy described herein. Policies and riders not available in all states. These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the policy for complete details. © All rights reserved

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 | YouTube: | | LinkedIn: 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 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. The S&P 500 (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by [Licensee]. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”). These trademarks have been licensed to SPDJI and sublicensed for certain purposes to [Licensee]. The [Product] is not sponsored, endorsed, sold or promoted by SPDJI, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of paying premiums for the [Product(s)] nor do they have any liability for any errors, omissions, or interruptions of the Index.