1. Protection you never knew you always wanted
Presented by:
Name
Title
Today we are going to address protection you never knew you always wanted.
Policies issued by American General Life Insurance Company, member of AIG
California residents should be provided the “California Resident Supplemental Information” flyer on the Accelerated Access Solution (AGLC108547).
AGLC CLIENT–REV0217
HIGHLY CONFIDENTIAL – DO NOT COPY.
All the information contained herein is confidential and proprietary and belongs solely to AIG. The unauthorized use, reproduction or disclosure of this information is prohibited.

2. What keeps you up at night?
Are you concerned about having enough money for retirement?
You are not alone . . .
It is all over the news – unemployment uncertainty, increasing with health care costs skyrocketing – all of these can tap into retirement assets. This has many people very concerned about having enough money for retirement.
In fact, 61% of Americans said that they are more scared of outliving their retirement than they are of death.

3. Americans are scared of outliving their assets
The facts speak for themselves
Why? The facts speak for themselves this is a huge pain point for Americans . . .
[Read stats as animation builds]
, November 2014
, November 2014
, December 2013

4. Healthcare expenses significantly affect retirement assets
Did YOU realize how much retirement assets & healthcare expense concerns are related?
[Read stats as animation builds]
THE 2Q11 SUNAMERICA RETIREMENT RESETSM STUDY CONDUCTED BY HARRIS INTERACTIVE SURVEYED A NATIONALSAMPLE OF ADULTS AGE 55+.
, September 2014
, 2014
2011 ASCO Annual Meeting

5. What if you could get retirement protection?
This is the new generation of life insurance
During everyone’s lifetime, they will most likely do 1 of 3 things:
Die too soon
Get sick
Live a long life
We know that life insurance can take care of # but what about protecting retirement assets from #2 and #3?
Become the beneficiary of your own life insurance policy
Turn life insurance into a liquid pool of money that can be used for virtually any expense
Enjoy retirement with additional financial security
[Read slide] 4

6. What does this solution look like?
Protection for retirement assets throughout the Financial Life Spectrum
Here is the financial life spectrum. Most people go through three phases. They are either building assets, protecting assets or trying to extend their assets. Wouldn’t it be great to mitigate all three potential risks during each of these phases of the financial life spectrum. Whether that be dying too soon, getting sick along the way or living too long.
No matter whether you are in pre-retirement, transitioning into retirement, or solidly in your retirement years. There is one product that can help mitigate all of these risks. Secure Lifetime GUL 3 is a guaranteed UL policy that can address the “dying too soon” issue ; the Accelerated Access Solution is a chronic illness rider that can address getting sick, and the Lifestyle Income Solution can address living too long. The Accelerated Access Solution and Lifestyle Income Solution can be added to the policy individually or as a rider bundle called the Asset Protector – all are available on the Secure Lifetime GUL 3.
This combination of riders on this life insurance policy provides the financial safety net to help get through all three scenarios. With American General Life’s Asset Protector, no other package of riders currently in the market today provide this revolutionary coverage!
QoL Guarantee Plus GUL II
Accelerated Access Solution
Customer Choice Lifestyle Income Solution
Living Benefit Riders:
Asset Protector = Retirement Protection
Life Insurance Policy

7. Life insurance you don’t have to die to use Asset Protector Life Insurance Rider Package
QoL Guarantee Plus GUL II – base policy for Asset Protector
Permanent life insurance with long-term guarantees that clients are asking for
Guaranteed death benefit and cash value
Enhanced Surrender Value rider – 50% ROP at year 20 or 100% ROP at year 25
Select Choice Accelerated Benefit Rider
Accelerate 100% of death benefit, up to $2 million, for a qualifying chronic, critical, or terminal illness
Provide a discounted benefit depending on severity of the condition and the expected impact on life expectancy
More severe the expected impact on life expectancy, greater the accelerated amount
Death benefit will be reduced by full claimed amount
Now includes GUARANTEED MINIMUM benefit payout
Percentage of death benefit based off policy year at time of claim
Accelerated Access Solution® – Chronic Illness Rider1
Qualifying illness makes you unable to preform 2 of 6 Activities of Daily Living or severe cognitive impairment
3 payout options:
2% or 4% of the chronic illness benefit
Per diem option with built-in inflation adjustment 2
Can be added to the base policy with or without the longevity rider
No longer has to be a permanent condition!*
Lifestyle Income Solution – Longevity Rider
Access 100% of your death benefit while you are LIVING for any reason after age 85
Can be added to the base policy with or without the chronic illness rider
*Not available in all states
Read slide 6
1There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.
2IRS caps the maximum daily rate each year. The 2014 maximum per diem is $340/day or $10,342.66/month. Subsequent years may be higher.
3Based on current federal income tax laws, policy owners should consult a qualified tax advisor.

8. Consider Retirement Protection
Help address your retirement fears with “Life Insurance You Don’t have to Die to Use” Asset Protector
Become the beneficiary of your own life insurance policy
[Read slide]

9. This is the protection you never knew
you always wanted
Chris’ story: How life insurance brought peace during a difficult time
[Read slide]

10. Learn More: QualityOfLifeInsurance.com
Go to QualityOfLifeInsurance.com
Eye opening healthcare statistics
Helpful retirement statistics
Informative videos
Product brochures
[Read slide]

11. Questions?

12. Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 15442, ICC , 13717, ICC , 16760, ICC , 15646, ICC ; Rider Form Numbers 13600, , 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. California residents should be provided the “California Resident Supplemental Information” flyer on the Accelerated Access Solution (AGLC108547). AGLC CLIENT – REV0217 © AIG All rights reserved.