COMPARING GUL & IUL GUARANTEES

COMPARING GUL & IUL GUARANTEES
EXPLORE A NEW ROUTE TO LIFE INSURANCE PROTECTION COMPARING GUL & IUL GUARANTEES AIG is the marketing brand for policies issued by American General Life Insurance Company, a member insurance company of American International Group, Inc. Guarantees backed by the claims-paying ability of the issuing insurance company. Guaranteed Universal Life (GUL) may be the best choice for some clients. Others may be open to a new form of Index Universal Life (IUL) – one with a protection-focus and strong guarantees. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
GUL IUL WHY DO YOU SELL GUL? It’s Permanent You want long-term coverage, or you’d be selling term It’s Guaranteed Guaranteed premium and death benefit up to a specified age It’s Easy Easy to illustrate, easy to explain FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

A LITTLE HISTORY IT’S ALL UNIVERSAL LIFE UL was invented in 1979 as an alternative to underperforming whole life policies. Interest rates were high. UL Late 1970s 1 FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

A LITTLE HISTORY IT’S ALL UNIVERSAL LIFE UL Late 1970s VUL Mid-to-Late 1980s 2 1 As interest rates dropped in the mid-to-late 80s, so did UL performance. VUL was invented to help take advantage of booming markets. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

A LITTLE HISTORY IT’S ALL UNIVERSAL LIFE UL Late 1970s VUL Mid-to-Late 1980s 2 GUL Mid 2000s 3 1 The volatility of VUL was too much for some. The Dotcom burst led to a desire for guarantees. GUL was the response. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

A LITTLE HISTORY IT’S ALL UNIVERSAL LIFE UL Late 1970s VUL Mid-to-Late 1980s 2 GUL Mid 2000s 3 ACCUMULATION FOCUSED IUL Late 2000s 4 1 IUL was created as a way to help protect policy benefits against the downside of the markets and provide upside potential. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

A LITTLE HISTORY IT’S ALL UNIVERSAL LIFE UL Late 1970s VUL Mid-to-Late 1980s 2 GUL Mid 2000s 3 ACCUMULATION FOCUSED IUL Late 2000s 4 PROTECTION FOCUSED IUL Mid 2010s 5 1 Protection-focused IUL is the most-recent product innovation, combining the potential growth opportunities of IUL with strong guarantees – seeking the best of both worlds. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Age 121 ALL UL WORKS THE SAME THE CLIMBING COST OF INSURANCE 1 Age 100 GUL AND IUL ARE BUILT ON THE SAME CHASSIS Age 90 Age 80 Think of universal life insurance coverage like a drive to the top of a winding mountain road. Age 70 The most permanent coverage would take the policy to the very pinnacle. Age 60 But, the higher you go, the steeper the climb. A gallon of gas doesn’t go as far later in the trip. Age 50 1The charges the policy pays to provide life insurance coverage. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Age 121 ALL UL WORKS THE SAME THE CLIMBING COST OF INSURANCE Age 100 Age 90 To begin the trip, the policy needs gas in the tank But the policy can’t make it to the top on premiums alone ACCUMULATION ACCOUNT E F Age 80 INTEREST goes in the tank to help the policy go farther PREMIUM + INTEREST Age 70 PREMIUM Age 60 Age 50 FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Age 121 ALL UL WORKS THE SAME THE CLIMBING COST OF INSURANCE Age 100 Age 90 What if the interest credited isn’t enough to get to the top? What if the Accumulation Account runs out of gas? ACCUMULATION ACCOUNT E F Age 80 PREMIUM + INTEREST Age 70 PREMIUM Age 60 Age 50 FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

CONTINUATION GUARANTEE
Age 121 Desired Guarantee Age ALL UL WORKS THE SAME THE CLIMBING COST OF INSURANCE Age 100 Age 90 A SPARE TANK! CONTINUATION GUARANTEE E F ACCUMULATION ACCOUNT E F Age 80 Age 70 Age 60 Certain UL products have a Continuation Guarantee Account (CGA) The CGA will ensure the policy doesn’t run out of gas before reaching a desired Guarantee Age (e.g. 100)1 Age 50 1 Assuming certain conditions are met, such as paying the full amount of all premiums and paying them on time. Withdrawals, surrenders or loans will reduce cash value and may impact the guarantees. Read the policy for details. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

WHAT AIG PRODUCTS HAVE A CGA?
Secure Lifetime GUL3 Value+ Protector IUL Policies issued by American General Life Insurance Company. Guarantees backed by the claims-paying ability of the issuing insurance company. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Value+ Protector IUL @5.6%
Secure Lifetime GUL3 Value+ Protector Initial Death Benefit Premium x 20 years Guaranteed to Age (w/CGA) Age Policy Runs Out Cash Year 20 Death Age 101 Death Age 121 $1.0M $14K/yr 100 $16K $0 $1.0M $14K/yr 88 It Doesn’t!2 $362K $1.8M $6.3M LET’S COMPARE THE TWO OPTIONS 100 88 For a 50-year-old male, preferred non-tobacco, 20-pay, same annual premium, same DB1 LET’S LOOK AT THIS A LITTLE CLOSER 1 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6%. 2 At 5.6%, the policy matures at age 121 for $6.3M FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

CONTINUATION GUARANTEE CONTINUATION GUARANTEE
Secure Lifetime GUL3 MARKET IMPACT ON THE TWO OPTIONS Secure Lifetime GUL3 Value+ Protector IUL CONTINUATION GUARANTEE Age 50 100 ACCUMULATION ACCOUNT Year 20 $0 $400 CONTINUATION GUARANTEE Age 50 100 ACCUMULATION ACCOUNT Year 20 $0 $400 Less CGA and much more potential for credited interest CGA and very little accumulation potential IMPACT OF THE MARKET With a Guarantee Age of 100 on the GUL: In a 0% market, the policy lapses at 101 In a 5.6% market, the policy lapses at 101 With the same premium and DB in the IUL In a 0% market, the policy lapses at 89 In a 5.6% market, the policy matures at 121 for $6.3M1 MARKET PERFORMANCE HAS NO IMPACT ON THE POLICY MARKET PERFORMANCE CAN HAVE A STRONG IMPACT ON THE POLICY2 1 This policy example uses an index crediting strategy with a 9% cap. The AG49 rules limit this illustration to 5.6% (on 05/01/18). 2 In an IUL policy, clients are not invested in the market or an index. Clients can earn interest based, in part, on the performance of an underlying index. Clients cannot invest in an index directly. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

WHAT DOES IT MEAN TO HAVE A 0% MARKET?
Value+ Protector (VPP) ties its crediting rate to an index, like the S&P500®. For VPP to credit 0% in an index accumulation account in any year, the underlying index would have to experience a negative return for that year. That means, if the index returns -10% for the year, 0% is credited to the account for that year.1 In our example, there are 38 years from policy issue for our 50-year-old until the VPP’s ‘Guarantee to Age’ of 88. Therefore… The S&P500® would have to generate negative returns for ALL 38 years before the ‘Guarantee to Age’ of 88 could become a reality. 1 Assumes an index crediting period of one year, point-to-point. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

The S&P500® has returned 29 negative years (32% of the time)1
HOW OFTEN HAS THE S&P500® RETURNED A NEGATIVE? SINCE 1927 (90 YEARS), The S&P500® has returned 29 negative years (32% of the time)1 BUT WHAT ABOUT CONSECUTIVE NEGATIVE YEARS? In the recorded history of the S&P500® THERE HAS NEVER BEEN A 30+ YEAR PERIOD OF NEGATIVE RESULTS 4 years, 1929 – 1932 OKAY, BUT WHAT’S THE WORST 30-YEAR PERIOD? Worst total return over a 30-year consecutive period: +2.8% 1 This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

HOW BAD WOULD IT HAVE TO BE TO GET A 30+ YEAR NEGATIVE RETURN?
Consider the worst markets in US history.1 THE LONG DEPRESSION 1873 to years of down markets THE GREAT DEPRESSION 1929 to years of mostly down markets THE DOTCOM BUBBLE BURST 2000 to years of down markets THE FINANCIAL CRISIS / GREAT RECESSION 2007 to years of mostly down markets 1 Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

HOW BAD WOULD IT HAVE TO BE TO GET A
30+ YEAR NEGATIVE RETURN S&P500® HISTORICAL RETURNS FOR 90 YEARS (1928 – 2017)1 THE DOTCOM BUBBLE BURST THE FINANCIAL CRISIS / GREAT RECESSION THE GREAT DEPRESSION Let’s look at the most recent 90 years of the S&P500® 1 This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

…the “Longest, Greatest, Bubble Burst, Recession, Depression” ever!
HOW BAD WOULD IT HAVE TO BE TO GET A 30+ YEAR NEGATIVE RETURN S&P500® HISTORICAL RETURNS FOR 90 YEARS (1928 – 2017)1 …the “Longest, Greatest, Bubble Burst, Recession, Depression” ever! THE DOTCOM BUBBLE BURST THE FINANCIAL CRISIS / GREAT RECESSION THE GREAT DEPRESSION In order for our 50-year-old’s VPP policy to only last to the ‘Guaranteed to Age’ of 88, the next 30+ years would need to be… 1 This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

IS “GUARANTEED” TOO CONSERVATIVE?
While the market’s history cannot be used to predict the future, a 30+ year negative return in the S&P500® seems unlikely If 0% for 30+ years is unprecedented and our current illustrated rate is not quite conservative enough for your GUL clients WHAT CONSERVATIVE RATE SHOULD YOU ILLUSTRATE VPP FOR YOUR GUL CLIENTS? FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

To start, let’s look at the last 90 years of the S&P500®
S&P500® Historical Returns for 90 Years (1928 – 2017) HISTORICALLY, WHAT COULD BE CONSIDERED A CONSERVATIVE ILLUSTRATION RATE? To start, let’s look at the last 90 years of the S&P500® This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

1928 – 1957: WORST 30 YEARS S&P500® Historical Returns for 90 Years (1928 – 2017) HISTORICALLY, WHAT COULD BE CONSIDERED A CONSERVATIVE ILLUSTRATION RATE? Now, let’s locate the worst 30-year period in that history This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

1928 – 1957: WORST 30 YEARS S&P500® Historical Returns for 90 Years (1928 – 2017) WORST S&P500® 30-Year Period (1928 – 1957) -50% -30% -10% 10% 30% 50% 1928 1933 1938 1943 1948 1953 HISTORICALLY, WHAT COULD BE CONSIDERED A CONSERVATIVE ILLUSTRATION RATE? Now, let’s locate the worst 30-year period in that history This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

WORST S&P500® 30-Year Period (1928 – 1957) -50% -30% -10% 10% 30% 50% 1928 1933 1938 1943 1948 1953 HISTORICALLY, WHAT COULD BE CONSIDERED A CONSERVATIVE ILLUSTRATION RATE? And calculate the total return for the WORST 30-year period 1928 – 1957 Total Return: +2.8% This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

What if we used THIS rate in the VPP?
WORST S&P500® 30-Year Period (1928 – 1957) 9% Cap on the WORST S&P500® 30-Year Period (1928 – 1957) HISTORICALLY, WHAT COULD BE CONSIDERED A CONSERVATIVE ILLUSTRATION RATE? -50% -30% -10% 10% 30% 50% 1928 1933 1938 1943 1948 1953 Next, let’s run this period through a hypothetical 9% Cap Index strategy, sharing in the positive years up to 9% and NONE of the negative years What if we used THIS rate in the VPP? Total Return: +2.8% Interest Credited to Index Account: +4.5% This analysis was performed using S&P data from 1927 through 2017 (90 years). The S&P Composite Index started in By 1926, it tracked 90 stocks, growing to 500 stocks in The total return value excludes dividends. Of course, past performance is not a predictor of the future. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Let’s compare GUL3 to Now, we’ll illustrate Value+ Protector at the 90-year historical worst case scenario of 4.5%1 VPP @ 5.6% GUL3 Initial Death Benefit $1.0M Premium x 20 years $14K/yr Guaranteed to Age (w/CGA) 100 88 Age Policy Runs Out It Doesn’t!2 Cash Year 20 $16K $362K Death Age 101 $0 $1.8M Death Age 121 $6.3M For a 50-year-old male, preferred non-tobacco, 20-pay, same annual premium, same DB1 1 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5%. 2 At 5.6%, the policy matures at age 121 for $6.3M FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Let’s compare GUL3 to Now, we’ll illustrate Value+ Protector at the 90-year historical worst case scenario of 4.5%1 VPP @ 5.6% GUL3 Initial Death Benefit $1.0M Premium x 20 years $14K/yr $13K/yr Guaranteed to Age (w/CGA) 100 88 Age Policy Runs Out 112 It Doesn’t!2 Cash Year 20 $16K $311K $362K Death Age 101 $0 $1.8M Death Age 121 $6.3M For a 50-year-old male, preferred non-tobacco, 20-pay, same annual premium, same DB1 1 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5%. 2 At 5.6%, the policy matures at age 121 for $6.3M FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Let’s compare GUL3 to Now, we’ll illustrate Value+ Protector at the 90-year historical worst case scenario of 4.5%1 VPP @ 4.5% VPP @ 5.6% GUL3 Initial Death Benefit $1.0M Premium x 20 years $14K/yr Guaranteed to Age (w/CGA) 100 88 Age Policy Runs Out 112 It Doesn’t!2 Cash Year 20 $16K $321K $362K Death Age 101 $0 $1.8M Death Age 121 $6.3M 100 112 VPP Outlasts GUL3 in the Historical Worst Case Scenario with significant Cash Value in Year 20 For a 50-year-old male, preferred non-tobacco, 20-pay, same annual premium, same DB1 1 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5%. 2 At 5.6%, the policy matures at age 121 for $6.3M FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Age 121 Guarantee to Age for GUL31 THE RACE IS ON! THE CLIMBING COST OF INSURANCE 1 Guarantee to Age for VPP1 WATCH THE PERFORMANCE! Age 100 Age 90 Pick a scenario to see how long the policy lasts2: The “Longest, Greatest, Bubble Burst, Recession, Depression” ever (0% for 30+ years) The Worst 30 Years in S&P500® history (4.5%) The Current Illustration Rate for our VPP Cap Rate Account (5.6%) Age 80 Age 70 Age 60 Age 50 1 Assuming certain conditions are met, such as paying the full amount of all premiums and paying them on time. Withdrawals, surrenders or loans will reduce cash value and may impact the guarantees. Read the policy for details. 2 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5% 1The charges the policy pays to provide life insurance coverage. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

CGA guarantees coverage to age 88
Guarantee to Age for GUL31 THE RACE IS ON! THE CLIMBING COST OF INSURANCE 1 Guarantee to Age for VPP1 WATCH THE PERFORMANCE! Age 100 Age 90 Pick a scenario to see how long the policy lasts2: The “Longest, Greatest, Bubble Burst, Recession, Depression” ever (0% for 30+ years) The Worst 30 Years in S&P500® history (4.5%) The Current Illustration Rate for our VPP Cap Rate Account (5.6%) Age 80 Age 70 Age 60 CGA guarantees coverage to age 88 Age 50 1 Assuming certain conditions are met, such as paying the full amount of all premiums and paying them on time. Withdrawals, surrenders or loans will reduce cash value and may impact the guarantees. Read the policy for details. 2 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5% CONTINUE 1The charges the policy pays to provide life insurance coverage. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

4.5% extends coverage to age 112
Guarantee to Age for GUL31 THE RACE IS ON! THE CLIMBING COST OF INSURANCE 1 Guarantee to Age for VPP1 WATCH THE PERFORMANCE! Age 100 Age 90 Pick a scenario to see how long the policy lasts2: The “Longest, Greatest, Bubble Burst, Recession, Depression” ever (0% for 30+ years) The Worst 30 Years in S&P500® history (4.5%) The Current Illustration Rate for our VPP Cap Rate Account (5.6%) Age 80 Age 70 Age 60 4.5% extends coverage to age 112 Age 50 1 Assuming certain conditions are met, such as paying the full amount of all premiums and paying them on time. Withdrawals, surrenders or loans will reduce cash value and may impact the guarantees. Read the policy for details. 2 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5% CONTINUE 1The charges the policy pays to provide life insurance coverage. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

Age 121 Guarantee to Age for GUL31 THE RACE IS ON! THE CLIMBING COST OF INSURANCE 1 Guarantee to Age for VPP1 WATCH THE PERFORMANCE! Age 100 Age 90 Pick a scenario to see how long the policy lasts2: The “Longest, Greatest, Bubble Burst, Recession, Depression” ever (0% for 30+ years) The Worst 30 Years in S&P500® history (4.5%) The Current Illustration Rate for our VPP Cap Rate Account (5.6%) Age 80 Age 70 Age 60 Matures at age 121 for $6.3M Age 50 1 Assuming certain conditions are met, such as paying the full amount of all premiums and paying them on time. Withdrawals, surrenders or loans will reduce cash value and may impact the guarantees. Read the policy for details. 2 This is a hypothetical example for illustrative purposes only. These numbers are based on an illustration dated 05/01/18, are subject to change and do not contemplate fees and charges for additional features or riders. The VPP is illustrated using the Cap Rate Account at 5.6% and 4.5% CONTINUE 1The charges the policy pays to provide life insurance coverage. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

WHY DO YOU SELL GUL? WHY WOULD YOU SELL VPP? VPP @4.5% GUL It’s Permanent It has Guarantees and may be CONSERVATIVE ENOUGH for my client It’s Easy FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

IT’S AS EASY AS 1, 2, 3 For your next GUL case: Run three illustrations The GUL The VPP at the current crediting rate, using the same premium and death benefit The same VPP using the 4.5% rate After showing the GUL to your client: Show the current rate VPP illustration, including the guarantees Then show the “non-guaranteed values” in the 4.5% illustration and explain that this reflects the worst case scenario, historically Then let your client choose: The GUL? The VPP? Perhaps, a combination of both? Secure Lifetime GUL3 Value+ Protector IUL at 4.5% Value+ Protector IUL at 5.6% FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

WHY WOULD YOU SELL VPP? GUL VPP @4.5% It’s Permanent It has Guarantees and may be conservative enough for my client It’s Easy FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

THANK YOU! To learn more about bridging from GUL to Value+ Protector IUL visit aig.com/IUL Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 16760, ICC , 15442, ICC ; Rider Form Numbers 07620, 13600, , ICC , 13601, ICC , 14002, ICC , 15271, ICC , 15272, ICC , 15273, ICC , 15600, ICC , 15972, 15990, ICC , 15992, ICC , 15997, ICC , 16110, ICC , 82001, 82012, and 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 All rights reserved AGLC111678 FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

COMPARING GUL & IUL GUARANTEES

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COMPARING GUL & IUL GUARANTEES

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