1. Why aren’t you selling our IUL?
Policies issued by American General Life Insurance Company ("AGL“)

2. QoL Max Accumulator+ Cash Value Accumulation IUL\
Life Insurance Income Sale
Target Ages
Illustration Tips:
Higher Illustrated Rate (>6.5%)
MLSB index (100% Par / 7.38% max illustrated rate)
Par loans
Max Select Income Rider (Lowers Net Amount at Risk/Higher Income 4-5%)
Solve Tab Use Min Non Mec. Policy Options Tab Increasing DB….switching to level
Lower Illustrated Rate (<6.5%)
Core Cap index (.25 floor persistency bonus in years 6+)
Fixed loans
As of 10/05/2016

3. Rate Summary Preferred Default Rate
Index Strategy
Guaranteed Minimum Interest
Cap
Rate
Participation Rate
Non-Guaranteed Crediting Rate AG 49
Current Account Value Enhancement AVE
(policy yrs 6+)
Blend Participation Rate
0.00% NA
100%
7.38%
0.65%
Utilizing MLSB Index
60%
6.80%
0.45%
Utilizing S&P 500
High Cap Rate
13.00%
7.28%
0.25%
Core Cap Rate
10.00%
6.11%
0.75%
Declared Interest
2.00%
2.65%
Preferred Default Rate
Rates current as of 12/8/2016 and subject to change.

4. QoL Max Accumulator+ MLSB w SIR QoL Max Accumulator+ MLSB
QoL Max Accumulator + Top Tier Accumulation and Income Potential; better with the Select Income Rider
Male, 45, PNT, Premium $25,000 for 20 years, DB increase to level, distribution using participating loans after withdrawal starts at age 66-85, max illustrated rate
Company
Product
Income
CSV YR5
CSV YR20
Initial DB
Target
Allianz
Life Pro+
$108,115
$114,490
$1,016,168
$527,035
$8,621
AIG
QoL Max Accumulator+ MLSB w SIR
$105,310
$105,127
$985,613
$520,913
$9,642
North American
Builder IUL
$102,774
$118,486
$1,024,585
$511,833
$9,008
QoL Max Accumulator+ MLSB
$102,017
$104,670
$967,963
Global Atlantic
Lifetime Builder
$99,408
$118,361
$977,321
$536,141
$9,168
Minnesota Life
Eclipse Indexed Life
$96,409
$112,978
$954,924
$536,140
$9,238
Lincoln Financial
LifeReserve IUL Accumulator 14
$92,834
$101,729
$959,019
$494,682
$9,859
National Life/LSW
NL FlexLife
$91,099
$114,883
$907,778
$567,657
$9,639
American National
Signature IUL
$90,282
$116,569
$936,232
$587,298
$9,978
Signature Plus IUL
$86,822
$112,933
$901,621
John Hancock
Accumulation IUL 15
$85,600
$110,993
$923,448
$527,547
$9,589
Voya Financial
Voya IUL-Global Choice
$85,319
$115,999
$938,165
$538,000
$9,684
Pacific Life
Pacific Indexed Performer LT 2
$83,781
$110,007
$904,055
$525,657
$10,000
AXA
BrightLife Grow
$74,600
$117,836
$934,293
$535,084
$8,802
Nationwide
YourLife Indexed UL Accumulator
$74,280
$110,825
$841,850
$543,114
$9,695
Transamerica
TransNavigator IUL
$72,168
$102,138
$866,402
$579,000
$9,583
Read slide comparisons.
As of 10/05/2016

5. QoL Max Accumulator+ MLSB w SIR QoL Max Accumulator+ MLSB
QoL Max Accumulator + Top Tier Accumulation and Income Potential; better with the Select Income Rider
Male, 45, PNT, Premium $25,000 for 20 years, DB increase to level, distribution using participating loans after withdrawal starts at age 66-85, max illustrated rate
Company
Product
Income
CSV YR5
CSV YR20
Initial DB
Target
Max Rate
Beat or Match Max Rate
Allianz
Life Pro+
$108,115
$114,490
$1,016,168
$527,035
$8,621
7.01%
Yes
AIG
QoL Max Accumulator+ MLSB w SIR
$105,310
$105,127
$985,613
$520,913
$9,642
7.38%
North American
Builder IUL
$102,774
$118,486
$1,024,585
$511,833
$9,008
7.09%
QoL Max Accumulator+ MLSB
$102,017
$104,670
$967,963
Global Atlantic
Lifetime Builder
$99,408
$118,361
$977,321
$536,141
$9,168
6.90%
Minnesota Life
Eclipse Indexed Life
$96,409
$112,978
$954,924
$536,140
$9,238
7.10%
Lincoln Financial
LifeReserve IUL Accumulator 14
$92,834
$101,729
$959,019
$494,682
$9,859
7.50% No
National Life/LSW
NL FlexLife
$91,099
$114,883
$907,778
$567,657
$9,639
6.91%
American National
Signature IUL
$90,282
$116,569
$936,232
$587,298
$9,978
7.28%
John Hancock
Accumulation IUL 15
$85,600
$110,993
$923,448
$527,547
$9,589
6.69%
Voya Financial
Voya IUL-Global Choice
$85,319
$115,999
$938,165
$538,000
$9,684
Pacific Life
Pacific Indexed Performer LT 2
$83,781
$110,007
$904,055
$525,657
$10,000
7.64%
AXA
BrightLife Grow
$74,600
$117,836
$934,293
$535,084
$8,802
5.79%
Nationwide
YourLife Indexed UL Accumulator
$74,280
$110,825
$841,850
$543,114
$9,695
6.48%
Transamerica
TransNavigator IUL
$72,168
$102,138
$866,402
$579,000
$9,583
6.26%
Read slide comparisons.
As of 10/05/2016

6. QoL Max Accumulator+ Core Cap w SIR QoL Max Accumulator+ Core Cap
QoL Max Accumulator + Top Tier Accumulation and Income Potential; better with the Select Income Rider
Male, 45, PNT, Premium $25,000 for 20 years, DB increase to level, distribution using fixed loans after withdrawal starts at age 66-85, 6% illustrated rate
Company
Product
Income
CSV YR5
CSV YR20
Initial DB
Target
AXA
BrightLife Grow
$75,741
$116,426
$906,115
$535,084
$8,802
Allianz
Life Pro+
$74,619
$110,362
$886,304
$527,035
$8,621
Nationwide
YourLife Indexed UL Accumulator
$74,280
$110,825
$841,850
$543,114
$9,695
AIG
QoL Max Accumulator+ Core Cap w SIR
$73,807
$100,248
$846,914
$520,913
$9,642
North American
Builder IUL
$72,456
$113,463
$881,743
$511,833
$9,008
American National
Signature Plus IUL
$72,047
$112,022
$875,081
$587,298
$9,978
Global Atlantic
Lifetime Builder
$71,936
$114,988
$879,711
$536,141
$9,168
QoL Max Accumulator+ Core Cap
$71,287
$99,803
$831,423
Pacific Life
Pacific Indexed Performer LT 2
$70,960
$108,400
$851,619
$525,657
$10,000
John Hancock
Accumulation IUL 15
$68,925
$108,490
$849,548
$524,547
$9,589
Minnesota Life
Eclipse Indexed Life
$67,118
$108,909
$835,831
$536,140
$9,238
Transamerica
TransNavigator IUL
$66,372
$101,259
$841,331
$579,000
$9,583
Voya Financial
Voya IUL-Global Choice
$64,547
$111,430
$808,123
$522,222
$9,684
National Life/LSW
NL FlexLife
$64,536
$111,679
$816,511
$567,657
$9,639
Lincoln Financial
LifeReserve IUL Accumulator 14
$63,932
$96,709
$808,090
$494,682
$9,859
Signature IUL
$60,743
$807,616
Read slide comparisons.
As of 10/05/2016

7. 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
AGLC110430

8. 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.

9. 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.

10. 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.