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 AG is partnered with Ebix LifeSpeed and ExamOne. Solution available via a single sign on to eStation.

2 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. Benefits  Simplifies the producer’s 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  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, Ebix 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  Logs into eStation  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 Quick Ticket online application process is an Ebix LifeSpeed product ■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 available at initial roll-out: US Life products, replacements, separate owners/payers ■Log onto eStation ■Enter the client’s 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 client’s 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  

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

9 FOR INTERNAL USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC. FOR PRODUCER USE ONLY. NOT FOR DISSEMINATION TO THE PUBLIC Coming soon…  Sending unsigned quote/illustration image to ExamOne  Ticket status communication to upline agency  Via push or status feed to agency management system  Connection from Quoting and Illustration tools into AG Quick Ticket  Adding NY/USL apps

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 (AGL) 2727-A Allen Parkway, Houston, TX The United States Life Insurance Company in the City of New York (USL) One World Financial Center, 200 Liberty Street, New York, NY AG Secure Lifetime GUL Policy Form Number 10460, ICC-10460; AG Select-a-Term Policy Form Number 07007, ICC-07007; AG ROP Select-a-Term Policy Form Number The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL or USL are the issuing insurer’s responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. USL 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 AGL and USL. ©2012. All rights reserved. AGLC105752