1. FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Secure Lifetime GUL ® II with AG Asset Protector SM Accelerated Access Solution SM Lifestyle Income Solution SM Live Longer. Retire Stronger. Life insurance you don't have to die to use Brought to you by American General, a member company of AIG Name Title

2. 2 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC 1 of 3 things will happen Live too long Get sick along the way Die too soon

3. 3 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Live too long Get sick along the way Die too soon Accelerated Access Solution AG Secure Lifetime GUL II 1 of 3 things will happen Lifestyle Income Solution The Ultimate Package of Benefits: AG Asset Protector

4. 4 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Live too long Get sick along the way Die too soon Accelerated Access Solution AG Secure Lifetime GUL II 1 of 3 things will happen Lifestyle Income Solution The Ultimate Package of Benefits: AG Asset Protector

5. 5 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Asset Protector AG Secure Lifetime GUL II Die too soon

6. 6 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Secure Lifetime GUL II Long-term protection and maximum flexibility with…  Guaranteed death benefit  Guaranteed cash value  Enhanced Surrender Value Rider  50% Return of Premium – Year 20  100% Return of Premium – Age 85 using Lifestyle Income Solution -More on this in a few minutes

7. 7 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Secure Lifetime GUL II  AG Secure Lifetime GUL II generates guaranteed cash sooner—as early as policy year 10  Cash value is only part of the story—we remain committed to offering highly competitive GUL premiums  Our ongoing commitment to the universal life market has brought great innovation in 100% guaranteed UL Conclusion textBuilding Guaranteed Cash Value Earlier Guaranteed Cash As early as policy year 10 AG Secure Lifetime GUL II

8. 8 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC What is 'Optionality ® '?  Select Guarantee Period and Select Premium Funding Period  Pro-rata adjustments with no loss of guarantees and no surrender charges on Cash Value withdrawals  Guaranteed Cash Value beginning as early as year 10 Guaranteed Death Benefit – Guaranteed Premium American General Innovation GUL

9. 9 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Optionality ® in Action  Create an additional income stream in retirement while maintaining a guaranteed death benefit  Reduce the death benefit and premium while maintaining the original coverage guarantee period  Withdraw cash value from the policy yet still maintain the original coverage guarantee period  Terminate coverage and surrender the policy for cash value  Exchange the policy for one that better suits the current need

10. 10 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC 1.Guarantees are subject to the claims-paying ability of the issuing insurance company. 2. Subject to the policy’s terms and conditions. Unique Package of Guarantees 1  Dial death benefit guarantee to specified age/duration  Age 90, 95, 100, 121, etc.  24-month rolling targets –Comp isn't lost with shorter guarantees –(Not available in NY) Guarantee Period Dial in the Guarantee Period  Clients can pick how long they want to pay the premium  Longer periods mean lower premiums  Select any duration: 7 years, 15 years, to Maturity, etc. Dial In the Premium Funding Period 1,2 80 90 100 110 Guarantee Period 10 20 30 Mat Premium Period

11. 11 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC 1. Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee. Unique Package of Guarantees 1  Access cash value and preserve proportional guarantees  Enhances future flexibility and choice as needs change  Unique among GUL products Access Uncommon flexibility to respond to life’s changing needs

12. 12 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Face $500,000 guaranteed to 121 Annual Premium $10,569 Guaranteed Cash at 85 3 $77,207 50% Withdrawal at 85: $77,207 Face $1M, guaranteed to 121 Annual Premium 2 $21,018 Guaranteed Cash at 85 $154,415 1.Not an actual case. Presented for illustrative purposes only. 2.Quote dated 12/10/2012 for the state of Texas. 3.The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. AG Secure Lifetime GUL II Guarantee Period Male, age 65, PNT, guaranteed to 121 1 Flexibility & Choice Unique Partial Withdrawal Capability Allows You To Access Cash and Preserve Death Benefit Guarantee

13. 13 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Asset Protector Live too long Lifestyle Income Solution

14. 14 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Lifestyle Income Solution Everyone who has saved more money than they need for retirement may leave the room!

15. 15 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC The Case for Lifestyle Income Solution  In 2050, the number of Americans age 65 and older is projected to be 88.5 million, more than double its projected population of 40.2 million in 2010. 1  For a married couple age 65, there is a 50% chance that at least one spouse will live to 94, and a 10% chance that one will live to 104. 2 1 The Next Four Decades, The Older Population in the United States: 2010 to 2050 U.S. Department of Commerce, Economics and Statistics Administration, U.S. Census Bureau. Issued May 2010, P25-1138. 2. Prepared by Ernst & Young Insurance and Actuarial Advisory Services practice. The analysis uses the Annuity 2000 mortality table with Scale G2 mortality improvements. Increased longevity is not just a possibility – statistics show it's very likely

16. 16 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC The Case for Lifestyle Income Solution  61% of Americans surveyed said they were more afraid of outliving their assets than they were of death. 1  48% of Americans aged 45-70 have no financial plans in place to protect themselves against outliving their assets and the rising cost of healthcare should they live longer than expected. 1 1 State of the Insured Retirement Industry: 2012 Recap and a 2013 Outlook, Insured Retirement Institute. The positive aspects of living longer do come with some financial concerns

17. 17 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Concern Think about what may contribute to the possibility of outliving your retirement income. Do any of these issues concern you? DebtSocial Security Uncertainty Historically Low Interest RatesHealth Care Expenses Political UncertaintyDidn’t Save Enough Rising Income Tax RatesStock Market Corrections

18. 18 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Solution AG Asset Protector – Lifestyle Income Solution Accelerate up to 10% of your death benefit per year 1 Primary requirement: Live to age 85 Use it while you’re ALIVE! Tax-free up to basis; current income thereafter 1 Choosing to exercise rights under the Lifestyle Income Solution can impact cash available under the Accelerated Access Solution. Please speak with your American General Life Companies representative for more information.

19. 19 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC  Policy must be in force for 15 Years  Premiums paid are sufficient to guarantee the death benefit to age 100  Can accelerate up to 10% per year beginning at age 85  Can accelerate 100% of death benefit!  Policy can’t be a Modified Endowment Contract Lifestyle Income Solution Conditions

20. 20 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC  Issue ages 18 – 70  Only available at policy issue  Minimum Specified Amount $100,000  Maximum Specified Amount $3,000,000  Terminal Illness Rider must also be selected when adding the Lifestyle Income Solution –TIA is a no-cost rider Lifestyle Income Solution Specifications

21. 21 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Asset Protector Get sick along the way Accelerated Access Solution

22. 22 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Adult DaycareAssisted Living Family CareNursing Home Care Virtually any expense, even those unrelated to the illness AG Asset Protector – Accelerated Access Solution A chronic illness 1 rider for AG Secure Lifetime GUL II The funds can be used to help pay for – 1 Insured must be certified as chronically ill by a licensed physician and meet all eligibility requirements. Choosing to exercise rights under the Accelerated Access Solution can impact cash available under the Lifestyle Income Solution. Please speak with your American General Life Companies representative for more information. Adult DaycareAssisted Living Family CareNursing Home Care

23. 23 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Benefits of Accelerated Access Solution  101(g) –No LTC license necessary: only Life / A&H –2-out-of-6 ADLs or severe cognitive impairment –Deemed to be permanent  Indemnity –No receipts, spend benefits on anything  Choose your total AAS Benefit Base –Minimum = greater of 50% of DB or $50,000 –Maximum = lesser of 100% of DB or $1,500,000  Maximum Monthly Benefit = IRS Monthly Per Diem, with choice of 3 caps: –2% of AAS Benefit Base; –4% of AAS Benefit Base; or –AAS Benefit Base ÷ 12 – This is the default if 2% and 4% are NOT selected)

24. 24 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Benefits of Accelerated Access Solution Inflation hedge against future costs  Purchase more than today’s Per Diem limit! –Many products won’t allow it! –Provides inflation protection with a maximum monthly benefit cap  4% Cap – example: –4% of $300,000 = $12,000 per month –Go on-claim in 2014: Collect $9,900 per month –Go on-claim in the future when Per Diem = $15,000 per month: Collect $12,000 per month  12–Month Cap – example: –$300,000 AAS benefit –Maximum monthly benefit: $300,000 ÷ 12 = $25,000 per month

25. 25 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Accelerated Access Solution Specifications  Issue Ages 18 – 80  AAS Rider must be added at policy issue –Cannot be added to an existing policy  Available through Table D!  Waiver of costs for the entire policy –If less than 100% is accelerated, 100% of policy costs are still waived while on claim

26. 26 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Supplemental Application for Accelerated Access Solution

27. 27 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC American General is… Revolutionizing the way YOU sell life insurance! Story Selling

28. 28 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Risk Protection Spectrum $ Reduced Social Security Income Income Replacement Kids to College Mortgage Payoff Health Care Costs Financial Risks 3 big risks get smaller over time. 3 other big risks get larger over time. How can you protect against both sets of risks? 20-40 Years Prior to Retirement Retirement Years $

29. 29 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC 1.Life Insurance provides protection for:  Income Replacement  Mortgage Payoff  College Funding  Reduced Social Security Income when one spouse dies 2.AG Asset Protector’s Lifestyle Income Solution provides protection for:  The multitude of financial risks: -Market corrections and poor investment performance -Living longer than expected / didn’t save enough -Reduced Social Security Income when one spouse dies -Health care costs (other than Chronic Illness) -Unexpected expenses (roof, furnace, A/C, auto repairs, etc.) -Financial help for children and grandchildren -And so much more! 3.AG Asset Protector’s Accelerated Access Solution provides protection for:  Health Care Costs from Chronic Illness The Big 3

30. 30 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC The Solution… Change the way you sell life insurance: Turn your Term Life Insurance Sales into Permanent UL Sales!

31. 31 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC The Solution… Sell The Value: Clients are Protected Whether They: Live too long Get sick along the way Die too soon

32. FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC AG Secure Lifetime GUL ® II with AG Asset Protector SM Accelerated Access Solution SM Lifestyle Income Solution SM Live Longer. Retire Stronger. Life insurance you don't have to die to use Brought to you by American General, a member company of AIG Name Title

33. 33 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Questions? For additional information, please contact your American General Life Companies representative or visit our producer web site at http://eStation.americangeneral.com National Sales Desk can be reached at 1-800-677-3311 Or visit retirestronger.comretirestronger.com

34. 34 FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC Important Information Policies issued by American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas 77019. Lifestyle Income Rider (Guaranteed Withdrawal Benefit Rider) rider form number 13972; Accelerated Access Solution (Chronic Illness Accelerated Death Benefit Rider) form numbers 13600, ICC13-13600, AG Secure Lifetime GUL II policy form numbers 13460, ICC13-13460.The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL is their responsibility. Guarantees are subject to the claims paying ability of the issuing insurance company. AGL does not solicit business in New York. AGL is a member of American International Group Inc., (AIG). AIG does not underwrite any policy described herein. Policies and riders not available in all states. State variations may apply. Please refer to the policy for complete details. ©2014. All rights reserved. AGLC107567