1. QoL Guarantee Plus GULII

2. Guaranteed Cash Values to Age 95
QoL Guarantee Plus GUL II Attractive GUL with Differentiated Living Benefits
Male, 60, Preferred Non-tobacco, Premium for $1,000,000 level DB, Coverage Guaranteed to Age 105
Company/Product 
Guaranteed to Age
Annual Premium
Chronic Illness
Critical Illness
Return of Premium
Guaranteed Cash Values to Age 95
Nationwide YourLife No Lapse Guarantee UL**
105
$15,301 $0
QoL Guarantee Plus GUL II
$15,494 a
$164,131
Nacolah Custom Guarantee (Gen 8)
$15,706
Lincoln Life Guarantee UL**
$15,764
American National Signature Guaranteed UL
$16,471
Prudential PruLife® Universal Protector**
$16,534
Pacific Life Versa-Flex NLG
$19,777
Read directly from slide
*Rates as of 4/11/2016. Note that Nacolah’s Custom Guarantee max pay is to age 100 but guarantee to lifetime.
** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim.
These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information.
Although every attempt has been made to verify the accuracy of the information displayed, it cannot be guaranteed.

3. Guaranteed Cash Values to Age 95
QoL Guarantee Plus GUL II Attractive GUL with Differientated Living Benefits
Male, 60, Preferred Non-tobacco, Premium for $500,000 level DB, Coverage Guaranteed to Age 105
Company/Product 
Guaranteed to Age
Annual Premium
Chronic Illness
Critical Illness
Return of Premium
Guaranteed Cash Values to Age 95
Nationwide YourLife No Lapse Guarantee UL**
105
$7,887 $0
Lincoln Life Guarantee UL**
$7,943
QoL Guarantee Plus GUL II
$7,995 a
$83,775
Nacolah Custom Guarantee (Gen 8)
$8,083
American National Signature Guaranteed UL
$8,360
Prudential PruLife® Universal Protector**
$8,574
Pacific Life Versa-Flex NLG
$10,209
Read directly from slide
*Rates as of 4/11/2016. Note that Nacolah’s Cuustom Guarantee max pay is to age 100 but guarantee to lifetime.
** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim.
These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information.
Although every attempt has been made to verify the accuracy of the information displayed, it cannot be guaranteed.

4. Chronic Illness / LTC Rider Guaranteed Cash Values to Age 95
QoL Guarantee Plus GUL II Attractive GUL with Accelerated Access Solution Competitive across dollar to dollar key competitors that offer optional Chronic illness riders
Male, 60, Preferred Non-tobacco, Premium for $1,000,000 level DB, Coverage Guaranteed to Age 105
Company/Product 
Guaranteed to Age
Annual Premium
Chronic Illness / LTC Rider
Critical Illness
Return of Premium
Guaranteed Cash Values to Age 95
Nacolah Custom Guarantee (Gen 8)
105
$15,706 a $0
American National Signature Guaranteed UL
$16,471
QoL Guarantee Plus GUL II with AAS rider
$17,459
$147,034
Lincoln Life Guarantee UL with Life Enhance ABR
$17,993
Nationwide YourLife No Lapse Guarantee UL with Long Term Care Rider
$18,070
Prudential PruLife® Universal Protector with Benefit Access Rider
$18,499
Pacific Life Versa-Flex NLG
$19,777
Read directly from slide
*Rates as of 4/11/2016. Note that Nacolah’s Custom Guarantee max pay is to age 100 but guarantee to lifetime.
** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim.
These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information.
Although every attempt has been made to verify the accuracy of the information displayed, it cannot be guaranteed.

5. Chronic Illness / LTC Rider Guaranteed Cash Values to Age 95
QoL Guarantee Plus GUL II Attractive GUL with Accelerated Access Solution Competitive across dollar to dollar key competitors that offer optional Chronic illness riders
Male, 60, Preferred Non-tobacco, Premium for $500,000 level DB, Coverage Guaranteed to Age 105
Company/Product 
Guaranteed to Age
Annual Premium
Chronic Illness / LTC Rider
Critical Illness
Return of Premium
Guaranteed Cash Values to Age 95
Nacolah Custom Guarantee (Gen 8)
105
$8,083 a $0
American National Signature Guaranteed UL
$8,360
QoL Guarantee Plus GUL II with AAS rider
$8,974
$75,227
Lincoln Life Guarantee UL with Life Enhance ABR
$9,057 a 
Nationwide YourLife No Lapse Guarantee UL with Long Term Care Rider
$9,290
Prudential PruLife® Universal Protector with Benefit Access Rider
$9,534
Pacific Life Versa-Flex NLG
$10,209
Read directly from slide
*Rates as of 4/11/2016. Note that Nacolah’s Custom Guarantee max pay is to age 100 but guarantee to lifetime.
** Riders that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim.
These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information.
Although every attempt has been made to verify the accuracy of the information displayed, it cannot be guaranteed.

6. Overview of ROP riders on GUL products
Company
Product
ROP Available Years
ROP Availability Period
Benefit (of Cumulative Premium)
Cap (of Face Amount)
Availability
AIG
Secure Lifetime GUL 3 / QoL Guarantee Plus II
20, 25
60 days
Year 20:   50%
Year 25: 100%
40%
Included
American National 1
Signature GUL
15, 20,25
Year 15:   65%
Year 20: 100% Year 25: 100%
65%
Symetra
UL-G 2.0
90 days
Year 20: 100%
100% 2
Optional (Paid)
Mutual of Omaha 3
GUL and GUL Plus
15, 20 to 25
Year 15:   50%
Year 21: 100%
Year 22: 100%
Year 23: 100%
Year 24: 100%
35%
1 American National – for policies with death benefits less than $250,000, the ROP benefit in year 15 is reduced from 65% to 50% and the cap reduced from 65% to 45% in year 15, 20 and 25.
2 The ROP benefit will not exceed the face amount of the policy. For all nicotine users and rated policies, the ROP benefit will not exceed 50% of the face amount of the policy. Also note that Symetra’s ROP cost about 3.7% more than the base premium.
3 Mutual of Omaha’s Return of Premium window is also available in years 21, 22, 23 and 24.

7. Illustrating Living Benefits in WinFlex
To illustrate the added features on QoL Guarantee Plus II you first need to select the Living Benefit Option Box.
From there, if you choose to illustrate the Accelerated Access Solution Rider, check the box, then complete the information below including how long they want to pay premiums, what percentage of the death benefit they would like to elect towards AAS, and what Monthly Benefit Payout Amount they would like.
If you wish to illustrate the Lifestyle Income Solution Rider by checking the appropriate box. Remember, with the LIS, the policy must be paid up before the benefit period begins. So, if you wish to receive the full benefit amount beginning at age 85, the Years/Age to Pay Premium must also be 85 (or sooner). Also, don’t forget that the policy death benefit must also be guaranteed to age 100 for the LIS rider.
Lastly, you may illustrate the AAS and LIS riders together by selecting the appropriate box then completing the information for both of the riders.

8. Questions

9. 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.
The following should be read aloud: “The presentation provided is for educational purposes only and American General does not endorse or promote the concept presented. The concept presented is made available for the purpose of informing American General’s appointed agents that such concepts exist and that clients who may be interested in investigating such concepts seek the counsel and services of their independently retained experts and advisors on such matters”.
FOR AGENT USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC

10. Important Information
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 ICC , 15442, Rider numbers ICC , ICC , ICC , ICC , ICC , 15972, 82012, 82410, 88390, 82001, © 2016 American International Group, Inc. (AIG). All rights reserved.
(1) When filing a claim for Qualifying Critical Illness under a Critical Illness Accelerated Death Benefit Rider, for Qualifying Chronic Illness under a Chronic Illness Accelerated Death Benefit Rider or for Qualifying Terminal Illness under a Terminal Illness Accelerated Death Benefit Rider, the claimant must provide to the Company a completed claim form and then-current Certification which must be received at its Administrative Center.
(2) If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Critical Illness Accelerated Benefit Amount as to the occurrence of the Qualifying Critical Illness in question. To make such an election, the Owner must complete an election form and return it to AGL within the Election Period set forth in the rider (i.e., within 60 days of the owner’s receipt of the election form).  The Company will not provide a later opportunity to elect a Critical Illness Accelerated Benefit Amount under a Policy as to the same occurrence of a Qualifying Critical Illness.
(3) If a benefit under the Chronic Illness Accelerated Death Benefit Rider or under the Terminal Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with an opportunity to elect a Chronic Illness Accelerated Benefit Amount as to the Qualifying Chronic Illness in question or to elect a Terminal Illness Accelerated Death Benefit Amount as to the Qualifying Terminal Illness in question, as applicable. To make an election, the Owner must complete an election form and return it to AGL within 60 days of the Owner’s receipt of the election form. 
(4) 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 a Qualifying Chronic Illness and, notwithstanding the Minimum Accelerated Benefit Amount provision, the accelerated benefit may be zero.
(5) The failure to provide a required election form (with the requested attachments) within the Election Period provided by the applicable rider (i.e., within 60 days of the owner’s receipt of the election form) may preclude payment of a benefit.
(6) Benefits payable under an accelerated death 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.
Read Slide
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.

11. Important Information
(7) 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. (8) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $2,000, (9) 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.

12. American International Group, Inc
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.
AGLC109708