1. Has Teamed Together
with

2. The Power of…..
Over 56,000 employees serving customers in more than 80 countries and jurisdictions around the globe as of 12/31/2016.
$498 billion in total assets as of 12/31/2016
Providing Americans with protection, investment and income solutions needed for financial and retirement security.
First to market with customizable term coverage with or without return of premium.
First to market with index universal life products using global indices
A+ Standard & Poor’s, Fitch, A (excellent) A.M. Best
Over the past 5 years alone, AIG’s member life insurers have collectively paid out over $40 billion in claims and benefits to customers and businesses
Service, Our industry leading technology including e-submission and e-signature capabilities as well as our forms Depot system- provide you with the tools you need to get business done quickly and efficiently

3. Introducing the QoL Max Accumulator+
An attractive life insurance solution that can provide a route to cash value accumulation and tax-free income potential

4. The ML Strategic Balanced Index® employs quantitative rules based on market volatility to adjust exposures between the S&P 500® Index (without dividends) and the Merrill Lynch 10-Year Treasury Futures (Total Return) Index. This rules-based process helps to eliminate the negative impact that emotions may have on allocation decisions, making the process objective and transparent.
Equity and fixed income allocations are rebalanced semiannually based on the historical volatility of the underlying indices. Volatility is also monitored on a daily basis, and allocations may be shifted to cash when short-term volatility rises above 6%. The Index seeks to maintain volatility at this level to help balance risk and return.

5. Read directly from slide

6. Red slide

9. Rview load rates and discuss ag 49 implications NAIC Actuarial Guideline 49 (AG 49), which took on Sept. 1, 2015, establishes for policy illustrations a benchmark-crediting rate, one of many moving parts in an IUL policy. The guideline also establishes a ceiling for index values used in policy illustrations, limits loan crediting rates to 100 basis points over a charged rate and requires additional disclosures.

11. Another option the insured can choose for their beneficiaries is the optional Select Income rider.

12. No cost rider
Potentially increases policy’s funds available to access by policy owner
Helps beneficiaries manage ongoing expenses
Optional rider converts a portion or all of the life insurance benefit for beneficiaries to a predefined guaranteed set of annual payments
Minimum percentage of life insurance benefit available to convert is 10% (up to 100%)
Whatever has higher COIs will typically see better results with SIR. So males should typically see a bigger impact than females, older ages, worse risk classes, etc.

14. Read from slide

19. Full Line of Products QoL Flex Term QoL Max Accumulator+
offers customers the ability to cover multiple needs with customizable term coverage.
QoL Max Accumulator+
A cash accumulation focused life insurance solution offering access to cash value potentially tax-free.
QoL Guarantee plus GUL II
Designed to meet your clients ongoing, permanent financial security needs.
QoL Advantage
Discounts through policy fee reductions, lower premiums through banding discounts

20. Quality of Life……. Insurance
Welcome to differentiated living benefits
Quality of Life means a client can accelerate the face mount of the base life insurance benefit (up to 2 million)
Indemnity Benefit –No receipts required
The recipient can use the money to cover the costs of treatment, recoup lost income or for any other purpose.
Critical Illness
When an insured suffers a major heart attack, stroke, invasive cancer or other qualifying illness or condition.
Chronic Illness
2 of 6 activities of daily living
Severe cognitive impairment
Does not have to be permanent!
The balance of the insured’s life insurance coverage remains in place and remaining premiums are reduced to reflect the new coverage amount.

21. Added benefits and riders
Creative riders including
Accelerated Access Solution (AAS)
Lifestyle Income Solution (LIS)
Enhanced Surrender Value Rider (ROP) on GUL
Accelerated Benefit Riders at no out of pocket cost even on Term Products
Term policies convertible to entire permanent product line
LIS Calculation: Input LIS amount of $43,500 from ages 76-85

22. Non Med Underwriting QoL Max Accumulator +
Non Med- under $250,000, No blood , No Urine, No APS, in other words….. anything that will slow it down!
Policy issued quickly 5 days after good order status
Four underwriting Classes
SNT, SSNT, ST, SST
Accept/Reject

23. 2017 QoL Bonus Highlights
Now lets get o the good stuff

24. We won’t tell you how to run your business
But we’ll help as much as you want.
We provide a host of field-proven resources, support and expertise to help you build your business – all backed by the strengths of AIG’s Life Insurers. Recruiting and marketing tools will help you attract new clients and producers.
Dedicated training programs will hone and motivate your agents and staff. Our goal is to help you build long- term value in your organization to facilitate growth and profitability
Let’s take a look at a sales idea. This first one shows the value of using our QoL Advantage program. The concept is called laddering, which pairs multiple policies together to meet differing coverage needs for a cheaper price.

25. Do you see an opportunity ?
Limited number of Agents and Advisors that have access
Marketing ideas for Existing clients and prospects
Different message to speak to prospects
Education for Advisors and Agents
Review all existing Life Policies to make Recommendations
Call Lee Ann Dalgleish at
Call Lindsey Downing at
Back of postcard compliant

26. Thank You

27. 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.
© AIG All rights reserved
AGLC109744

28. Index Disclosure for the S&P 500
The S&P 500 (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by American General Life Insurance Company (AGL). Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by AGL.
The life insurance products underwritten and issued by AGL are not sponsored, endorsed, sold or promoted by SPDJI, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of AGL’s or any member of the public regarding the advisability of investing in securities generally or in AGL’s products particularly or the ability of the Index to track general market performance. S&P Dow Jones Indices’ only relationship to AGL with respect to the Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The Index is determined, composed and calculated by S&P Dow Jones Indices without regard to AGL or its products. S&P Dow Jones Indices has no obligation to take the needs of AGL or the owners of its products into consideration in determining, composing or calculating the Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of AGL’s products or the timing of the issuance or sale of AGL’s products or in the determination or calculation of the equation by which AGL’s products are to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of AGL’s products. There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.
S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE Index OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY AGL, OWNERS OF AGL’S PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE Index OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND AGL, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES LLC.

29. Index Disclosure for the ML Strategic Balanced Index
The ML Strategic Balanced IndexSM provides systematic, rules-based access to the blended performance of two underlying indices—the S&P 500 (without dividends), which serves to represent equity performance, and the Merrill Lynch 10-year U.S. Treasury Futures Total Return Index, which serves to represent fixed income performance. To help manage overall return volatility, the Index may also systematically utilize Cash performance in addition to the performance of the two underlying indices.
Important Note: The ML Strategic Balanced Index embeds an annual index cost in the calculations of the change in Index Value over the Index Term. This “embedded index cost” will reduce any change in Index Value over the Index Term that would otherwise have been used in the calculation of index interest, and it funds certain operational and licensing costs for the index. It is not a fee paid by you or received by the Company. The Company’s licensing relationship with Merrill Lynch, Pierce, Fenner & Smith Incorporated for use of the ML Strategic Balanced Index and for use of certain service marks includes the Company’s purchase of financial instruments for purposes of meeting its interest crediting obligations. Some portion of those instruments will, or may be, purchased from Merrill Lynch, Pierce, Fenner & Smith Incorporated or its Affiliates.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and its affiliates (“BofA Merrill Lynch”) indices and related information, the name “BofA Merrill Lynch”, and related trademarks, are intellectual property licensed from BofA Merrill Lynch, and may not be copied, used, or distributed without BofA Merrill Lynch’s prior written approval. The products of licensee American General Life Insurance Company have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by BofA Merrill Lynch. BOFA MERRILL LYNCH MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, ANY RELATED INFORMATION, ITS TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, ITS QUALITY, ACCURACY, SUITABILITY AND/OR COMPLETENESS).
The ML Strategic Balanced Index (the “Index”) is the property of Merrill Lynch, Pierce, Fenner & Smith Incorporated, which has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) to calculate and maintain the Index. The Index is not sponsored by S&P Dow Jones Indices or its affiliates or its third party licensors (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices will not be liable for any errors or omissions in calculating the Index. “Calculated by S&P Dow Jones Indices” and the related stylized mark(s) are service marks of S&P Dow Jones Indices and have been licensed for use by Merrill Lynch, Pierce, Fenner & Smith Incorporated.