1. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Quality of Life…Insurance ® QoL Flex Term Presented by… Trevor Keeble Director of Product Training Policies issued by American General Life Insurance Company

2. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Event Traditional Term Ins QoL Flex Term Ins DeathYes Invasive CancerNoYes! Heart AttackNoYes! StrokeNoYes! QoL Flex Term – Term with Living Benefits! Compare with Traditional Term Insurance Not all riders are available in all states, riders may vary by state. 2

3. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION FeatureAdditional Details Coverage up to 35 years -22 level premium periods with guaranteed coverage -Juvenile and senior coverages available Attractive Conversion Guidelines -Convertible for up to 80% of the initial term period, or age 75 -Without evidence of insurability -Can convert with ABRs QoL Advantage -Bundle more than 1 policy for multiple policy discounts* -Policy fee reductions QoL Flex Term – Power Features 3 *Subject to qualifications

4. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Flex Term – Product Specifications SpecificationAdditional Details Issue Ages 0-80 (Age nearest birthday) *Term periods limited for older ages Minimum Face Amounts $50,000 (Ages 0-19) $100,000 (Ages 20+) Underwriting Classes Preferred Plus Standard Preferred Preferred Tobacco Standard Plus Standard Tobacco Substandard Tables B-H Additional Riders Premium Waiver Children’s Term (Up to $25,000) 4

5. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Flex Term – Conversion Rules Conversion Period = 80% of the term period Example: 30 year term convertible for 24 years Maximum Conversion Age = 75 Convertible to QoL Universal Life without Evidence of Insurability Can be converted to any UL policy currently in the portfolio Conversion Credit: 1 st year premium if converted in first 5 policy years *Pro Rata for partial conversion, applied to accumulated value of UL policy 5

6. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Flex Term – Partial Conversions $1 Million 30 Year Term $400,000 QoL Index Plus II Partial conversion credit for converted amount $600,000 Remaining Term New premium based on lower face, using original issue age A competitive opportunity in the industry!

7. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION How Important are Living Benefits?

8. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Major Heart Attack Coronary Artery Bypass Stroke Invasive Cancer Blood Cancers: Leukemia, Lymphoma and Multiple Myeloma Major Organ Transplant End Stage Renal Failure Paralysis Coma Severe Burn Major Heart Attack Coronary Artery Bypass Stroke Invasive Cancer Blood Cancers: Leukemia, Lymphoma and Multiple Myeloma Major Organ Transplant End Stage Renal Failure Paralysis Coma Severe Burn An illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification An illness or condition certified within the last 12 months and affects the insured person so that he or she: -Is unable to perform at least two of the six Activities of Daily Living (ADLs) or -Requires substantial supervision by another person to protect the insured person from threats to health and safety due to severe cognitive impairment ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating An illness or condition certified within the last 12 months and affects the insured person so that he or she: -Is unable to perform at least two of the six Activities of Daily Living (ADLs) or -Requires substantial supervision by another person to protect the insured person from threats to health and safety due to severe cognitive impairment ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating 123 SelectChoice SM Accelerated Benefit Rider Features *SelectChoice not available in CA, CT, or MT. With respect to any accelerated death benefit rider that is generally attached by the Company to a life insurance policy automatically, you may instruct the Company not to include such rider in a policy issued to you.

9. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION SelectChoice SM ABR Features 1.Flexible Accelerated Benefit: No-cost Accelerated Benefits Automatically added to all eligible Quality of Life…Insurance ® UL and term policies Allows owner to accelerate some or all of the life insurance benefit in the event the insured is diagnosed with a Qualifying Event: Critical, Chronic or Terminal illness 7

10. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 2. Defined Accelerated Benefit*: Optional and may be purchased for an additional premium with eligible Quality of Life…Insurance ® UL and term policies The DAB for the initial Qualifying Event, where a claim is made, is determined by a fixed percentage between 5%-15% The DAB for a subsequent Qualifying Event is calculated using a reduced percentage: 20% of initial DAB percentage Subject to underwriting approval (Up to Table D) Allows the owner to accelerate a defined amount of the life insurance benefit in the event the insured is diagnosed with a Qualifying Event: Critical, Chronic or Terminal illness SelectChoice SM ABR Features *Not available in CA, CT, or MT

11. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION How Does It Work?  You purchase a $250,000 Quality of Life…Insurance product at age 40, which includes the SelectChoice Accelerated Benefit Rider.  For an additional premium, you also purchase a 10% Defined Accelerated Benefit.  Ten years later you suffer a major heart attack, but the prognosis for recovery is excellent.  The medical costs associated with this event are substantial causing you to consider your options. To help cover these expenses, you accelerate the $25,000 Defined Accelerated Benefit for Critical Illness.  The remaining death benefit is $225,000 which could also be accelerated under the Flexible Accelerated Benefit 8

12. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION How Does It Work?  You then file a claim for another $25,000 under the Flexible Accelerated Benefit  American General Life determines the benefit and makes an offer based on the severity of your condition and how it will affect your life expectancy.  If you accepts this offer, the death benefit will be reduced by $25,000. You will receive less than $25,000 because you are receiving a portion of the death benefit today, rather than at the end of life expectancy (discounting).  In this case, you received an offer from American General Life for an amount of $11,222*. You could elect to take all, part or none of the offer.  You decide to take the $11,222* today and now have a remaining death benefit is $200,000. *Amount is hypothetical and actual payment will vary be individual case. 9

13. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Monthly amount more with QoL – Male, $250K Face Amount, 20-Year Term Monthly amount more with QoL – Female, $250K Face Amount, 20-Year Term Comparison of the monthly premiums of QoL Flex Term versus fourteen of its key competitors: Accordia Term Life, ANICO Signature Term, AXA Equitable Term 20, Banner OPTerm, John Hancock 20 Year Level Premium Term, Life Insurance Company of the Southwest Level Term, Lincoln LifeElement Level Term 20, MetLIfe Guaranteed Level Term 20, Nationwide YourLife GLT 20 Year Term, New York Life 20 Year Level Term, North American ADDvantage 20, Pacific Life Prime Term 20, Prudential Term Essential 20, and Transamerica Trendsetter LB. Current as of July 23, 2015. The rates used for OoL Flex Term are effective August 3, 2015. Legend:Within $5 or 15%Not within $5 and beyond 15% QoL Flex Term in Key Cells vs. Key Competitors $250K 202530354045505560 PPNT $0.78 $1.22$2.53$2.31$2.97$5.59$8.00 PNT $1.48 $1.50$1.22$1.79$0.95$2.53$4.28$5.59 SPNT $2.70 $2.32$2.19$2.05$2.59$4.06$5.16$8.00 SNT $1.77$1.66$1.44$1.66$2.09$2.97$5.25$7.56$12.81 PT $4.88$3.00$5.27$2.41$4.14$5.48$6.32$8.22$6.63 ST $7.44$5.38$7.72$3.93$10$8.77$16.67$16.20$41.18 202530354045505560 PPNT $1.24 $1.46$1.06$1.69$2.31$3.38$4.94$13.03 PNT $1.84 $1.46$2.35$2.75$4.64$5.81$6.91 SPNT $2.17 $2.22$2.96$3.10$3.84$5.59$8.00$5.38 SNT $2.82$1.49$1.44$1.88$1.65$3.63$6.03$8.88$15.22 PT $10.06$6.05$6.42$5.59$13.22$13.11$14.51$13.79$30.79 ST $9.74 $13.73$8.78$16.71$22.25$10.05$26.85$42.74 10

14. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Monthly amount more with QoL – Male, $500K Face Amount, 20-Year Term Monthly amount more with QoL – Female, $500K Face Amount, 20-Year Term Comparison of the monthly premiums of QoL Flex Term versus fourteen of its key competitors: Accordia Term Life, ANICO Signature Term, AXA Equitable Term 20, Banner OPTerm, John Hancock 20 Year Level Premium Term, Life Insurance Company of the Southwest Level Term, Lincoln LifeElement Level Term 20, MetLIfe Guaranteed Level Term 20, Nationwide YourLife GLT 20 Year Term, New York Life 20 Year Level Term, North American ADDvantage 20, Pacific Life Prime Term 20, Prudential Term Essential 20, and Transamerica Trendsetter LB. Current as of July 23, 2015. The rates used for OoL Flex Term are effective August 3, 2015. Legend:Within $5 or 15%Not within $5 and beyond 15% QoL Flex Term in Key Cells vs. Key Competitors $250K 202530354045505560 PPNT $1.44 $1.64$0.88$2.13$3.76$7.99$8.58$14.63 PNT $1.88 $1.54$1.88$3.44$4.06$8.44$9.75$19.37 SPNT $2.75 $4.94$7.13$9.75$15.44$22.00 SNT $3.40$2.96$2.75$3.63$2.83$7.13$10.19$18.94$26.38 PT $13.50$8.49$6.68$9.48$20.80$25.15$27.63$33.22$69.41 ST $16.22$9.02$17.88$13.67$23.40$30.98$30.36$51.57$96.39 202530354045505560 PPNT $1.00 $2.31$4.06$3.19$5.82$8.44$13.25 PNT $1.44 $2.75$3.19$5.40$7.13$9.75 SPNT $3.69 $3.13$2.75$3.19$4.06$7.47$10.66$19.85 SNT $2.57 $2.75 $3.63$5.81$9.98$11.94$22.00 PT $9.64$4.62$6.21$5.39$7.02$9.25$16.77$23.98$31.21 ST $13.55$10.19$8.06$6.58$18.73$14.97$32.07$31.12$80.66 11

15. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

16. Mobile Quote Mobile Quote will provide premiums for Flex Term as well as other products in the QoL Portfolio. It is a secured URL, not an app or downloadable software, and will function on any device with an active wireless or data connection. https://quote.agla.americangeneral.com/AGLAMobileQuote 12

17. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Advantage 13

18. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION We do this by helping consumers meet their financial objectives at an affordable price through a “bundled” solution: Policy fee reduction Volume discount based on aggregate coverage Bonus crediting on select UL products QoL Advantage – What is it? QoL Advantage is a discount program in place to support our commitment to help solve the increased life insurance needs of consumers today. 14

19. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Flex Term – QoL Advantage  Available as a standalone policy; or  Can be purchased with another QoL Universal Life policy as part of QoL Advantage, which may include: Policy fee reduction (up to $75/yr per term policy) Volume discount based on aggregate amount of coverage between all policies, including Universal Life if applicable.  Can be quoted using our Flex Term Quick Quote spreadsheet as well as Passport (web-based illustration software). 15

20. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION RequirementsDiscount Same: Insured, Owner, Billing, Application Date $75 Same: Insured, Owner, Billing Different: Application Date OR Same: Owner, Billing Different: Insured $39 Same: Insured, Owner Different: Billing OR Same: Insured, Billing Different: Owner $25 Policy Fee Discounts 16

21. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION QoL Advantage banding: Band 2: $ 250,000 - $499,999 Band 3: $ 500,000 - $999,999 Band 4: $1,000,000 and up The higher the total face…the lower per unit of insurance. What is the “volume” discount? 17

22. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Sales Idea- QoL Advantage Laddering Policies to Save Money * *Clients should consult a financial professional to determine if the laddering technique is appropriate for their situation.

23. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Sales Idea – Laddering Policies to Save Money The Scenario Dennis is 40 years old, preferred non-tobacco, and is looking for coverage to help ensure his family is protected He is concerned about having coverage until his 2 children finish college Also concerned about having coverage for the remaining 21 years on his mortgage

24. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Sales Idea – Laddering Policies to Save Money Case Details Purpose Without QoL Advantage With QoL Advnantage 10 Year 100k DB Child 1 Through College $13.78$5.34 15 Year 100k DB Child 2 Through College $14.57$5.43 21 Year 200k DB Mortgage Protection $29.00$23.59 Total$57.35$34.35 $23 Savings Per Month!

25. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Sales Idea – Laddering Policies to Save Money Summary Dennis purchased 3 QoL Flex Term policies to meet his different needs By using QoL Advantage he was able to save $23 per month Total Saved $12,696

26. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Sales Idea – Laddering Policies to Save Money Benefits of Laddering Protection through both kids’ completion of college Protection for the length of the mortgage Living Benefits – Access to DB in event of critical, chronic, or terminal illness Can convert any of the term polices down the road if insurance needs change

27. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION ScenarioOld Face Amount Old PremiumNew Face Amount New Premium Male 65 10 Year Term Standard Plus Non-Tobacco $500,000$388.19$600,000$386.88 Male 50 15 Year Term Preferred Plus Non-Tobacco $1,500,000$192.63$1,625,000$191.10 Female 45 30 Year Term Preferred Non-Tobacco $250,000$63.79$285,000$63.86 Buy More for the Same Price!

28. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Buy More for the Same Price! For the same price as our old term rates: More Death Benefit Protection Added Peace of Mind More living benefits

29. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Disclaimer The information presented herein is not a comprehensive analysis of the topic presented, and the viewer should consult tax and legal advisors to understand all the ramifications of the topics discussed. No representation or warranty, express or implied, is made by AGL or its affiliates as to the completeness of the information provided. All companies mentioned, their employees, financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are subject to change and individuals should consult an attorney, tax advisor or accountant. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. To ensure compliance with requirements imposed by U.S. Treasury Regulations, we inform you that any tax advice contained in this presentation (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. 18

30. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 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. 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. Please refer to your policy. For policy forms ICC14-14579, 14579, Rider #s: ICC10 AGL ABR, AGL ABR, ICC14-14012,14012 ICC14-14018, 14018, ICC14-14390, 14390, AGL 05AHC, AGL EMD-DB, ICC14- 14002, 14002, 14306 and state variations. © 2014 American International Group, Inc. (AIG). All rights reserved. (1) When filing a claim for Qualifying Critical Illness, Qualifying Terminal Illness or Qualifying Chronic Illness under an Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form (with Certification attached in the case of a Qualifying Chronic Illness) which must be received at its Administrative Center within the time frame specified in the Rider, if any. (2) If a benefit under an Accelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under the Policy as to such Qualifying Event. To make such an election, the Owner must complete an election form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness or Qualifying Chronic Illness, the accelerated benefit may be zero. (3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forth for each in a Policy may preclude payment of a benefit. (4) Benefits payable under an accelerated benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. (5) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness. The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance. (6) See your policy for details. Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in That state. If uncertain, contact your American General Life Companies representative for assistance. Important Information 19

31. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 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 www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: http://www.linkedin.com/company/aig 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 www.aig.com. 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. 20 AGLC109056