1. POLICIES ISSUED BY AMERICAN GENERAL LIFE INSURANCE COMPANY ("AGL“)
Accelerated Access Solution (AAS)
Additional Chronic Illness Coverage California Specific
The Accelerated Access Solution (AAS) rider provides valuable protection for your clients if they are diagnosed as chronically ill.
Lets take a look at how the rider works. Note this presentation is specifically for the state of CA.
POLICIES ISSUED BY AMERICAN GENERAL LIFE INSURANCE COMPANY ("AGL“)

2. Accelerated Access Solution Details – California
What is it?
-Paid chronic illness rider
-Available on certain permanent policies
How does it work?
-Dollar-for-dollar acceleration
-Client always knows the benefit amount
How much?
-Accelerate 100% of death benefit
-$3 million maximum
Underwriting details
-Table D max UW class
-Not available with a flat extra.
First, this is an additional, paid chronic illness benefit that is available on certain permanent policies.
AAS provides a dollar-for-dollar acceleration which means the client always knows the benefit amount they are going to receive if they are diagnosed with a chronic illness.
The rider allows the client to accelerate 100% of their death benefit, up to $3 million.
Finally, the rider is available for clients rated Table D or better and is not available with a flat extra.
**Flat extra is an additional UW rating that can be applied to any rate classification. If it is assessed against a client they are not able to buy the AAS rider.

3. Accelerated Access Solution (AAS) – California
Conditions
2-out-of-6 ADLs; or Severe Cognitive Impairment
Does not require condition to be Permanent
Indemnity Benefit
No Receipts
Spend benefits on anything
Flexible Benefit Base
Benefit = 50% up to 100% of Death Benefit
$50,000 minimum up to $3,000,000 maximum
Full waiver of monthly deductions
Let’s look at some of the benefits of the Accelerated Access Solution.
In order for the acceleration, the client must be unable to perform 2 out of 6 activities of daily living (ADLS) or suffer from severe cognitive impairment.
The condition also does not need to be expected to be permanent in order to qualify for the death benefit acceleration.
AAS is an Indemnity benefit. That means the client does not have to provide receipts to receive the acceleration or wait to be reimbursed for their medical expenses. In fact, they can spend the benefit payout on whatever they see fit.
The rider provides a flexible benefit base. The client is able to choose all of their death benefit (up to the $3 million maximum) or as little as 50% of their death benefit ($50,000 minimum) to allocate towards the AAS benefit. Any percentage between % can be chosen, but the client must choose when the policy is issued.
Finally, AAS provides a FULL waiver of monthly deductions. With the rider, if the client becomes chronically ill and begins their death benefit acceleration we will waive the full monthly deductions inside of their policy for the entire length of time they are on claim.
It is a full waiver of deductions, even if the client elected a benefit base of less than 100%. 3

4. Accelerated Access Solution (AAS) – California
Flexible Monthly Benefit
2% per month OR % per month
The maximum monthly amount is $10,000 increased annually by 4% until the time of claim.
Max Monthly Benefit = Total Benefit ÷ 12
Alternatively, the insured has the option at the time of claim to receive the accelerated benefit in a lump sum payment in lieu of the benefits payable under the original monthly payment option selected. Such lump sum benefit will be subject to an actuarial discount that is determined by the company at the time the insured becomes eligible for benefits under the rider.1
In addition to choosing how much of the policy death benefit to allocate towards the rider, the client also chooses between one of the 2 monthly benefit options to receive the benefits should they become chronically ill.
The client can choose to receive 2% or 4% of their death benefit per month. Both of these options are also limited to a maximum amount. Regardless of the option chosen, they will receive the lesser of 2% or 4% of their DB per month or $10,000 increased annually by 4% until the time of claim.
Remember, the client must choose between these 2 payout options at policy issue.
IRS caps the maximum per diem limitation excludable from taxable income each year. The 2019 maximum is $370/day or $11,254/month. Subsequent years may be higher.
1 The Company will determine the actuarial discount applicable to a given lump sum payment using factors including, but not limited to the Company’s assessment of the expected future mortality of the Insured and an interest rate determined as described in the rider. 4

5. CARE COORDINATION PROGRAM
AGL offers services to help the insured locate and choose a provider through its “Care Coordination Program”.
American General Life has partnered with the nation’s largest administrator of long-term care insurance (Long-Term Care Group, Inc. or LTCG™), to arrange the long-term care services at no cost to policyholders. This free benefit, called the “Care Coordination Program”, is completely optional and available on all policies with the Accelerated Access Solution chronic illness rider.
AGL offers services to help the insured locate and choose a provider through its Care Coordination Program.
American General Life has partnered with the nation’s largest administrator of long-term care insurance (Long-Term Care Group, Inc. or LTCG) to arrange the long-term care services at no cost to policyholders.
This free benefit called the Care Coordination Program, is completely optional and available on all policies with the Accelerated Access Solution chronic illness rider. 5

6. CARE COORDINATION PROGRAM
This program offers access to Care Management professionals that can provide information to support a search for a caregiver or facility that is right for each family’s situation as well as assistance to:
locate a qualified caregiver, long term care facility or home-delivered meals provider
develop a plan of care to ensure all your needs are met
direct you to organizations with expertise in your disabling condition
set up your first home care visit
understand the steps involved in moving into a long term care facility
help you understand the cost of long term care and how you will be billed for the services you receive
This program offers access to Care Management professionals that can provide information to support a search for a caregiver or facility that is right for each family’s situation as well as assistance to:
-locate a qualified caregiver, long term care facility or home delivered meals provider
-develop a plan of care to ensure all your needs are met
-direct you to organizations with expertise in your disabling condition
-set up your first home care visit
-understand the steps involved in moving into a long-term care facility
-help you understand the cost of long term care and how you will be billed for the services you receive 6

7. Disclosures Applicable to Critical Illness, Chronic Illness, and Terminal Illness Accelerated Death Benefit Riders
(1) When filing a claim for Qualifying Critical Illness under a Critical Illness Accelerated Death Benefit Rider, for Qualifying Chronic Illness under a Chronic Illness Accelerated Death Benefit Rider or for Qualifying Terminal Illness under a Terminal Illness Accelerated Death Benefit Rider, the claimant must provide to the Company a completed claim form and then-current Certification which must be received at its Administrative Center. (2) If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Critical Illness Accelerated Benefit Amount as to the occurrence of the Qualifying Critical Illness in question. To make such an election, the Owner must complete an election form and return it to AGL within the Election Period set forth in the rider (i.e., within 60 days of the owner’s receipt of the election form). The Company will not provide a later opportunity to elect a Critical Illness Accelerated Benefit Amount under a Policy as to the same occurrence of a Qualifying Critical Illness. (3) If a benefit under the Chronic Illness Accelerated Death Benefit Rider or under the Terminal Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with an opportunity to elect a Chronic Illness Accelerated Benefit Amount as to the Qualifying Chronic Illness in question or to elect a Terminal Illness Accelerated Death Benefit Amount as to the Qualifying Terminal Illness in question, as applicable. To make an election, the Owner must complete an election form and return it to AGL within 60 days of the Owner’s receipt of the election form. (4) Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness or a Qualifying Chronic Illness and, notwithstanding the Minimum Accelerated Benefit Amount provision, the accelerated benefit may be zero. (5) The failure to provide a required election form (with the requested attachments) within the Election Period provided by the applicable rider (i.e., within 60 days of the owner’s receipt of the election form) may preclude payment of a benefit. (6) Benefits payable under an accelerated death benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. (7) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness. The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance. (8) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $2,000,000. (9) See your policy for details. Policies issued by American General Life Insurance Company (AGL), Rider Form Numbers 15600, ICC , , 15603, ICC , and AGLA 04CHIR-CA (0514). Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims- paying ability of the issuing insurance company. 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. © 2018 AIG. All rights reserved
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AGLC

8. Important Information
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. 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. Policies issued by American General Life Insurance Company (AGL). Rider Form Numbers, , and ICC AGLA-04CHIR-CA(0514). 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 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. ©2017 AIG. All rights reserved. American General Life Insurance Company and their distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Individuals should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. AGLC111755

9. Thank YOU!
Thank you for your time today. Please let us know if you have any questions.