1. Policies issued by American General Life Insurance Company ("AGL“)
The Power of – Making the living benefits sale easy Presented by… Levi Robinson, CFP®, ChFC, CLU, RICP, CASL, FLMI Vice President Product Training
Welcome. In the BrainShark we will review a power sales concept called the Power of – Making the living benefits sale easy!
Policies issued by American General Life Insurance Company ("AGL“)

2. What if you could knock out three birds with one stone?
One policy can help with life insurance, chronic illness coverage and retirement income.

3. We call it the plan! What if you could buy permanent life insurance, guaranteed to age 100 with a chronic illness benefit where you can:
Pay premiums for 10 years;
Wait for 10 years; and
Get your money back over 10 years – as a supplemental retirement benefit.

4. Background
While term insurance is the most popular form of life insurance policy – mostly because it’s inexpensive up front – it only provides temporary coverage.
For longer term (permanent) needs, there are a variety of choices – with one of the most secure and economical options being Guaranteed Universal Life (GUL). Often, GUL is a ‘no frills’ policy – offering few additional benefits. But, the Secure Lifetime GUL 3 provides innovative extras!
Let’s review some background information:
While term insurance is the most popular form of life insurance policy – mostly because it’s inexpensive up front – it only provides temporary coverage.
For longer term (permanent) needs, there are a variety of choices – with one of the most secure and economical options being Guaranteed Universal Life (GUL). Often, GUL is a ‘no frills’ policy – offering few additional benefits. But, the Secure Lifetime GUL 3 provides innovative extras!

5. Problem Let’s look at a hypothetical example.
George is 50 years old and looking for $1,000,000 of coverage for his family.
He wants to provide life insurance for his spouse well into retirement, but sees that need dropping as he approaches the latter retirement years.
He is also concerned about the impact of a chronic illness on his retirement.1
Here is the problem:
Let’s look at a hypothetical example.
George is 50 years old and looking for $1,000,000 of coverage for his family.
He wants to provide life insurance for his spouse well into retirement, but sees that need dropping as he approaches the latter retirement years.
He is also concerned about the impact of a chronic illness on his retirement.
1 This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy. Restrictions and limitations apply.

6. Solution: The 10-10-10 Plan2 He pays $24K/yr for 10 years.
Then, he pays nothing for 10 years.
Then he takes $24K/yr out of the policy for 10 years (tax free!) using a unique feature of this policy – The Lifestyle Income Solution!
This withdrawal of $24k / year for 10 years from the policy will reduce the amount of life insurance coverage to $430,000.
The solution is the plan!
George can purchase a $1 million Secure Lifetime GUL 3 product with the Lifestyle Income Solution Rider, provides him the ability to accelerate his Death Benefit dollar for dollar once he reaches age 85…….or he can access it prior to age 85 at a discounted amount. George also decided to purchase the accelerated access solution chronic illness rider in case he becomes chronically ill, which will allow him to accelerate his death benefit due to chronic condition dollar for dollar.
We have structured the policy so that He pays $24K/yr for 10 years.
Then, he pays nothing for 10 years.
Then he takes $24K/yr out of the policy for 10 years (tax free!) using the unique feature of this policy – The Lifestyle Income Solution rider!
This withdrawal of $24k / year for 10 years from the policy will reduce the amount of life insurance coverage to $430,000.
But what did we accomplish? He paid premium for 10 years waited for 10 years then got all of his premium back over 10 years while still leaving $430K in death benefit that also still has chronic illness protection.
And the great thing about this concept is that it is all fully guaranteed!
2 For the purpose of easing the explanation, all numbers have been rounded. The Secure Lifetime GUL 3 product solution is based on an illustration for a 50-year-old male, preferred non-tobacco with premiums paid for 10 years and death benefit guaranteed to age 100. The policy included the approximately $24,000 of Lifestyle Income Solution rider, beginning at age 70 and a 100% Accelerated Access Solution rider with a 2% monthly benefit.

7. Life Insurance Benefit
This is graph showing you the death benefit decreasing when accelerating some of the death benefit using the lifestyle income solution leaving the $430,000 left over.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy.

8. Chronic Illness Benefit
And remember at any point in time if George would become chronically ill he could access his death benefit dollar for dollar.
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work. It does not reflect the value of any specific Policy.

9. Attached to this BrainShark you will more detailed information on this product and sale concept.
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.

10. Important Information
Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers 15442, ICC ; Rider Form Numbers, 13600, ICC , , 15600,
ICC , 82012, 82410, 88390, 15990, ICC , 15972, 13601, ICC and 82001, ICC15442, 15646, ICC ; Rider Form Numbers, 13600, ICC , and except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life), Policy Form Numbers 15442N and 15442NU. Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Products may not be available in all states and product features or rates may vary by state.
There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions. Riders are not available in all states. Please consult
your financial professional or review the policy and outline of coverage for your state.
Guarantees are backed by the claims-paying ability of AGL and US Life. They are not backed by the broker-dealer and/or insurance agency from which this policy is purchased or any
affiliates of those entities and none makes any representation or guarantees regarding the claims-paying ability of AGL. California residents should be provided the “California Resident
Supplemental Information” flyer on the Accelerated Access Solution (AGLC108547).
AGLC110543REV0717 © 2017 AIG. All rights reserved.
Thank you for taking time to listen to this BrainShark!