AG Secure Lifetime GUL II ® Lifestyle Income Solution SM Introducing… FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC Presented by… Levi Robinson, CLU, ChFC, FLMI Director Product & Market Training

Long-term protection and maximum flexibility with…  Guaranteed death benefit  Guaranteed access  Guaranteed cash value  No more premium caps!  Lifestyle Income Solution SM  Helps protect against outliving retirement income AG Secure Lifetime GUL II ® FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Face $500K, guaranteed to 121 Annual Premium $9,636 Guaranteed Cash at age 85 3 $77,207 Face $1M, guaranteed to 121 Annual Premium 2 $21,001 Guaranteed Cash at 85 $154,415 AG Secure Lifetime GUL II Flexibility & Choice Unique Partial Withdrawal Capability Access Cash and Preserve Death Benefit Guarantee Male, age 65, PNT, guaranteed to % Withdrawal at 85 $77, Not an actual case. Presented for illustrative purposes only. 2. Quoted dated 12/10/2012 for the state of Texas. 3. 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 FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Guaranteed return of premium option  AG Secure Lifetime GUL II offers even more flexibility with the no-cost Enhanced Surrender Value Rider, commonly referred to as a return of premium rider.  It gives you a one-time option at the end of policy year 20 to surrender the policy and receive back up to a maximum of fifty percent of premiums paid.  The option must be exercised within a 60-day window. New Rider!

Lifestyle Income Solution SM

 In addition to the valuable protection guarantee that AG Secure Lifetime GUL II provides, it can also...  Help protect a client against outliving their retirement income with...  American General’s Lifestyle Income Solution.  The Lifestyle Income Solution was developed to help preserve the clients standard of living during retirement.  It provides the option to receive a living benefit to help supplement their retirement income. Lifestyle Income Solution SM FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Think about what may contribute to the possibility of outliving your retirement income. Do any of these issues concern you? Concern FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC Credit card debt Historically low interest rates Under-performing 401(k) Changes in health insurance Social Security uncertainty Health care expenses Insufficient retirement income Stock market corrections

 Issue ages 18 – 70  Minimum Specified Amount $100,000  Maximum Specified Amount $10,000,000  Only available at policy issue  Terminal Illness Rider must also be selected when adding the Lifestyle Income Solution L.I.S. Specifications FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

 Minimum Eligibility Period: Policy in force for 15 Years  Have paid enough premiums to guarantee the death benefit to age 100  The Benefit will Provide a minimum of 120 Monthly Withdrawal Benefit Payments  Guaranteed Withdrawal Benefit Percentage: 0.83%  100% ÷ 120 months = %  There is no indebtedness on the policy  Policy is not a Modified Endowment Contract  No claim is pending under the Terminal Illness Rider L.I.S. Conditions FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

 Female Age 40 PNT  Needs $400,000 Death Benefit  Wants $1,200 a month in LIS benefit at age 85  Premium requirement = $2,535 annually  Let’s look at the quote Example FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

The Calculation $1,200 x 120 months = $144,000 $144,000 BB $400,000 DB = 37% FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

The Calculation FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

The Application Must check the “Terminal Illness Rider” box Must check the “Other Riders/Benefits” box and write “Lifestyle Income Solution” in the line Must include the withdrawal benefit percentage in the “Amount/Units” field. FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC Lifestyle Income Solution 37%

 The owner may request to withdraw less than the full amount, but not less than $500 per month  A withdrawal less than the maximum allowable amount could extend the period for which monthly withdrawals can be taken under the rider  The owner may request a suspension of monthly withdrawal benefits at any time by sending the company a written request  Withdrawal benefits may be resumed at any time Withdrawals FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Why do better rated clients pay more for the Lifestyle Income Solution? When the insured has a reasonable expectation of living longer, the premium for the Lifestyle Income Solution may be higher due to the increased likelihood that the policy owner may receive acceleration benefits under the Lifestyle Income Solution. Underwriting FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

 Paul, age 55, plans to retire in about ten years  His 401(k) is expected to generate $2,000 per month for life  Paul estimates he will receive $1,500 per month in Social Security benefits  Paul also has $300,000 in a savings account  He plans to withdraw about $1,500 a month  Combined with social security and his 401(k), should generate an income stream of $5,000 per month Case #1 FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Case #1 FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Case #1 FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC $400,000 $300,000 $200,000 $100,000 $0 Age 65Age 85Age 95 $490,000 Life Insurance Coverage Income Guaranteed Withdrawal Benefits begin at age 85 Reduction of Death Benefit when Guaranteed Withdrawal Benefits are paid as income Remaining Death Benefit $309,425 $180,575 paid under Lifestyle Income Solution

Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas Policy Form Numbers 10460, ICC-10460; Lifestyle Income Rider Form Number 13972; Accidental Death Benefit Rider Form Number 82012; Children’s Insurance Benefit Rider Form Number 82410; Spouse/Other Insured Term Rider Form Number 88390; Terminal Illness Rider Form Number 91401; Waiver of Monthly Deduction 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, Policy Form Number 10460N; Lifestyle Income Rider 13972N; Accidental Death Benefit Rider Form Number ADB791E; Children’s Insurance Benefit Rider Form Number CI791E1; Waiver of Monthly Deduction Rider Form Number 82001N. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life) are the issuing insurer’s responsibility. Guarantees are subject to the claims paying ability of the issuing insurance company. American General does not solicit business in the state of 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 US Life. 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. AGLC Important Information FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC