1. 2 Policies Are Better Than 1
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Using 2 Policies may Significantly Enhance the Consumer Value
Policies issued by American General Life Insurance Company, member of American International Group, Inc. (AIG)

2. QoL Guarantee Plus GUL II + QoL Flex Term
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The New and Improved ROP Play

3. QoL Guarantee Plus GUL II + QoL Flex Term
Example
George is 55, preferred NT and currently needs $2M of death benefit protection for his family.
He would prefer to not make premium payments during his retirement years.
George hopes to maintain some death benefit during his retirement years but not necessarily all $2M.
If he could access the policy for income shortfalls or financial emergencies that would be an ideal solution.
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What do you present to George as the most appropriate solution?
Term?
GUL?
IUL?
Laddered policies?
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

4. QoL Guarantee Plus GUL II + QoL Flex Term
$1M QoL Guarantee Plus GUL II
w/ LIS Rider Premium
$17,999
$1M 20 yr QoL Flex Term
20 yr Term Premium
$3,440
Total Annual Premium
$21,439
X 20 Years
$428,780
LIS 75, Age 76-85
$430,000
Note: We paid up the GUL in 20 years or at George’s age 75.
Receive back all “guaranteed” paid premium and still have Remaining DB
$140,000
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LIS Calculation: Input LIS amount of $43,500 from ages 76-85
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

5. QoL Guarantee Plus GUL II + QoL Flex Term
$1M QoL Guarantee Plus GUL II
w/ LIS Rider Premium
$17,999
$1M 20 yr QoL Flex Term
20 yr Term Premium
$3,440
By presenting this solution what did you just accomplish for George?
Total Annual Premium
$21,439
X 20 Years
$428,780
LIS 75, Age 76-85
$430,000
Receive back all “guaranteed” paid premium and still have Remaining DB
$140,000
Met his need of $2M of death benefit protection.
Reduced the premium outlay by laddering* a GUL and a term policy.
Allowed George to turn his policy into positive cash flow during his retirement years.
With the QoL ABRs you’ve created a pool of money for George to access in the event of chronic illness.
If he waited to accelerate the LIS rider he could increase his annual income.
Explain numbers then read bullets
*Please inform clients to consult a financial professional to determine if the laddering technique is appropriate for their situation.
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

6. 2 QoL Guarantee Plus GUL II Policies
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Two Policies for Double the Guaranteed Income Duration

7. 2 QoL Guarantee Plus GUL II Policies
Example
Jonathan is a 45 year old that desires $1M in death benefit protection.
He’s uncertain whether he will need the entire $1M of death benefit in perpetuity.
He’s somewhat risk averse and likes the idea of having a guaranteed income source during retirement.
Has some concerns on the potential costs of future care should he become chronically ill.
What do you present to Jonathan as the most appropriate solution?
Term and a SPIA?
GUL and a deferred annuity?
LTC policy?
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Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

8. 2 QoL Guarantee Plus GUL II Policies
One Policy Solution
Solution #1
$1M QoL Guarantee Plus GUL II
Annual Premium
$9,522
X 20 Years
$190,436
$60,000
$100,000
Two Policy Solution*
Solution #2
Although it costs a little extra, Jonathan likes solution #2 for the flexibility AND the ability to have up to 20 years of guaranteed income.
2 $500k QoL Guarantee Plus GUL II
Annual Premium
$10,334
X 20 Years
$206,680
$30,000
$50,000
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LIS Calculations Solution 1: Input $60,000 LIS from ages OR input LIS $100,000 from ages 85-95
LIS Calculations Solution 2: Input $30,000 LIS from ages or input $50,000 LIS from ages 85-95
*Please inform clients to consult a financial professional to determine if the laddering technique is appropriate for their situation.
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

9. 2 QoL Guarantee Plus GUL II Policies
2 $500k QoL Guarantee Plus GUL II
Annual Premium
$10,344
X 20 Years
$206,680
$30,000
$50,000
By presenting this solution what did you just accomplish for Jonathan?
Provided his desired $1M of death benefit.
Yielded a flexible guaranteed income level for up to 20 YEARS!
ROP on 2 policies (Policy years 20 and 25)
$1M made available for QoL ABR coverage should he need it.
Explain numbers then read bullets
Provided this flexibility at an additional cost of only about $850 per year.
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

10. 2 QoL Guarantee Plus GUL II Policies
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Using ROP to pay up second policy

11. 2 QoL Guarantee Plus GUL II Policies
Example
Sandra is 50 and a standard NT risk.
She currently has a $2M insurance need for personal planning needs.
She has some concerns over prior insurance presentations with limited flexibility and options on GUL contracts.
However, she doesn’t want to continue waiting to put insurance in force while they’re both still healthy.
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What do you present to Sandra as the most appropriate solution?
One GUL policy?
Two GUL policies?
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

12. 2 QoL Guarantee Plus GUL II Policies
Solution #1
One GUL would work well. It’s guaranteed cash value and 100% ROP in year 25 may provide the flexibility she desires. This would be an all pay of $20,010 for a guarantee to age She could also surrender her policy in the 25th year and get the entire $500,241 of premium back.
Solution #2
Female, age 50, SNT, $1MM DB for each policy
2 QoL Guarantee Plus GUL II Policies Solution
Policy 1
Age 105 Premium
$10,005
Policy 2
Total Annual Premium
$20,010
Surrender ROP in Year 25
$250,121
Single Pay in Year 26 to Maintain age 105 Guarantee
$185,000
Remaining ROP
$65,121
Death Benefit Yrs 26+
$1,000,000
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Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

13. 2 QoL Guarantee Plus GUL II Policies
2 QoL Guarantee Plus GUL II Policies Solution
Policy 1
Age 105 Premium
$10,005
Policy 2
Total Annual Premium
$20,010
Surrender ROP in Year 25
$250,121
Single Pay in Year 26 to Maintain age 105 Guarantee
$185,000
Remaining ROP
$65,121
Death Benefit Yrs 26+
$1,000,000
By presenting this solution what did you accomplish for Sandra?
Provided her desired $2M of death benefit.
The flexibility to not only cut her coverage in half but also get all of their premium back on the surrendered policy.
Provided this flexibility at an no additional premium cost by splitting the policies.
She still has access to the DB for chronic, critical, or terminal illness.
ROP on 2 policies (Policy years 20 and 25)
Explain numbers then read bullets
Not an actual case, and is a hypothetical representation for illustrative purposes only. All calculations were provided by the Winflex system.

14. Read Slide
Questions

15. Important Information
Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers ICC , ICC , ICC , ICC , 82012, 82410, 88390, ICC , 14306, ICC , ICC , ICC , ICC , ICC , ICC , ICC Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). 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. Guarantees are backed by the claims-paying ability of the issuing insurance company. 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. This information is general in nature, may be subject to change, and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant. Please visit for important disclosures regarding accelerated benefit riders. © AIG All rights reserved AGLC MC Job Number
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