FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC All the information contained herein is confidential and proprietary and belongs solely to American General Life Companies. The unauthorized use, reproduction or disclosure of this information is prohibited.

2 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC This type of life insurance is a single policy that covers two lives. It pays the death benefit after both of the people insured have passed away and is typically more affordable than purchasing two individual policies. What is Survivor Life Insurance?

3 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Sales Applications Estate LiquiditySupplemental Cash Flow Charitable GiftsWealth Transfer Gifts to GrandchildrenInsurance for Special Needs Children Insuring the UninsurableBusiness Applications Sales Applications

4 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Life insurance is the least expensive method for providing cash for the payment of estate taxes.  Since 1981, the federal law has allowed one spouse to transfer all their property to the other spouse at death tax free.  This is the “unlimited marital deduction”.  If there is a federal estate tax due, it is not due until the second spouse dies. What is Survivor Life Insurance? These materials are not intended to provide an opinion or to give advice on particular situations. Please consult your attorney or tax advisor for complete up to date information concerning federal and state tax laws in this area. American General Life Insurance Company does not give legal or tax advice.

5 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Introducing our new, improved second-to-die GUL  We are excited to announce the elimination of premium caps in order to provide more flexibility with case design for your clients.  AG Secure Survivor GUL II ® is now particularly designed for 1035 and other shorter-pay scenarios.  Quotes now include the amount of the Enhanced Surrender Value Rider (Return of Premium feature)  Optionality ® — guarantees and flexibility for the estate planning market. (Guarantees are backed by the claims-paying ability of the issuing insurer)  Competitive level premium rates AG Secure Survivor GUL II ® now offering…

6 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Target Market AG Secure Survivor GUL II ®  Has a need for survivorship life insurance  Is age and in reasonably good health  Is risk averse and concerned about the liquidity needs of their estate  Wants to leave as many of their personal or business assets as intact as possible  May need their business to continue without interruption when they die  May desire that their favorite charitable organization benefit from their legacy

7 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Family Need AG Secure Survivor GUL II ®  Because one policy insures two people, AG Secure Survivor GUL II ® is typically more affordable for spouses than buying two individual policies.  Liquidity needs frequently arise after the second death and AG Secure Survivor GUL II ® is a useful tool to fund estate and gift tax obligations, or to replace assets gifted to charity.  AG Secure Survivor GUL II ® is a flexible way to help equalize inheritances among heirs. It can provide a specified, guaranteed amount to one child to help equalize assets among several, when a business interest or other major asset is being left to one only one child.

8 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Business Need AG Secure Survivor GUL II ®  AG Secure Survivor GUL II ® is helpful in providing capital for business planning and succession. Life insurance is a powerful tool to provide working capital or ensure business continuity at the death of a business owner or key employee.

9 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policy Specifications AG Secure Survivor GUL II ® Minimum Death Benefit$100,000 at issue ($50,000 after partial withdrawal) Issue Ages20-90; Preferred Plus Non-Tobacco Underwriting Classifications  Preferred Plus Non-Tobacco  Preferred Non-Tobacco  Standard Non-Tobacco  Preferred Tobacco  Standard Tobacco  Special (Substandard) Non-Tobacco  Special (Substandard) Tobacco Death Benefit OptionsOption 1 (Level Death Benefit) – Death benefit equal to the specified amount Interest RateGuaranteed interest rate 2.00 percent all years

10 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policy Specifications AG Secure Survivor GUL II ® Changes to the Specified Amount  Increases available at any time both insured’s are under 90, subject to satisfactory evidence of insurability (this will void the guaranteed cash value provision)  Decreases available any time after first policy year* Monthly Deductions and Premium Load  Current monthly administration fee of $8 (maximum charge of $10)  Monthly expense charge per $1,000 of specified amount (varies by issue age, sex, and underwriting classification)  Current charge of 8.00 percent of all premiums (maximum percent) *The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $100,000. A change in the policy will not be permitted if the change would result in the policy’s not meeting the definition of life insurance under Section 7702 of the Internal Revenue Code. The policy owner should consult a tax advisor to determine the effect of these provisions.

11 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policy Specifications AG Secure Survivor GUL II ® Surrender Charges  Decreasing 19-year surrender charge schedule Withdrawals 1 (Partial Withdrawals)  Available any time after the fifth policy year  A partial withdrawal of the cash value will result in a proportional reduction of required premium, accumulation value, specified amount, and death benefit amount2  Death benefit cannot be reduced below $50,000 as a result of the withdrawal  Current charge of $25 for each withdrawal (maximum contractual charge of $50 for each withdrawal) 1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $100, A change in the policy will not be permitted if the change would result in the policy’s not meeting the definition of life insurance under Section 7702 of the Internal Revenue Code. The policy owner should consult a tax advisor to determine the effect of these provisions.

12 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Riders AG Secure Survivor GUL II ® Enhanced Surrender Value Rider  Return of premium rider provides a one-time option for an enhanced full surrender, during a 60-day period following the end of policy year 15  The amount of the enhanced cash surrender value is typically a percentage of the total premium paid, net of partial withdrawals and outstanding loans  There is no charge for this optional rider; it will be attached at issue and cannot be terminated by policyowner request

13 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Riders AG Secure Survivor GUL II ® Four-Year Term Rider  Estate protection rider provides last survivor term insurance coverage during the first four policy years  The additional death benefit is equal to 125 percent of the policy’s initial specified amount  There is a charge for this optional rider; it can only be added at issue and terminates after four years

14 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Optionality ®

15 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Optionality: Adjust the Benefit Adjust the Death Benefit in the Future 1 As a client’s needs change, the death benefit can be lowered Lowering the benefit means pro-rata lower premium While still maintaining an adjusted guaranteed death benefit 1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee. Initial Guaranteed Death Benefit Current Age Maturity Adjustment New Guaranteed Death Benefit Initial Guaranteed Premium Pro-rata Guaranteed Premium

16 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Unique Package of Guarantees Uncommon flexibility to respond to life’s changing needs Access 1 Access cash value & preserve proportional guarantees Enhances future flexibility and choice as needs change Distinctive among GUL products 1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee.

17 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Flexibility and Choice Partial Withdrawal Capability Access Cash and Preserve a lower Death Benefit Guarantee 1 $500,000 face, guaranteed to age 121 $ 10,560 annual premium $ 77,207 guaranteed cash value at age 85 1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee. Male, Female age 65 PNT Assume 50% withdrawal at age 85 - $75,386 (less withdrawal fee) Ongoing Proportional Guarantees $1 million face, guaranteed to age 121 $ 13,061 annual premium $150,772 guaranteed cash value at age 85 Maturity

18 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Offer your clients two opportunities for return of their premiums with AG Secure Survivor GUL II ® Optionality ®

19 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Male and Female, both age 50 preferred non tobacco*  Death benefit $3 million, guaranteed to age 100  Total premium paid in a 10- pay scenario: $428,143 Optionality in action  At the end of year 15, they could choose to exercise the return of premium feature and receive back $428,143 or  Continue their guaranteed coverage until year 32, when the insureds are age 82, and their guaranteed cash surrender value is $459,895 * For the State of Texas as of 9/20/2013. Not an actual case, presented for illustrative purposes only. Guarantees are subject to the claims paying ability of the issuing insurance company The Concept

20 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Quoting the Enhanced Surrender Value Rider

21 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

22 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

23 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Questions or Comments

24 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas AG Secure Survivor GUL II Policy Form Numbers 13239, ICC ; Enhanced Surrender Value Rider Form 11990, ICC Four Year Term Rider Form Number The United States Life Insurance Company in the City of New York, One World Financial Center, 200 Liberty Street, New York, New York The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (American General Life) and The United States Life Insurance Company in the City of New York (United States Life) are the issuing insurer’s responsibility. All guarantees are subject to the claims-paying ability of the issuing insurance company. United States 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 United States Life. AGLC © All rights reserved.