1. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC The AG Extend IUL SM & How To Illustrate Presented by…

2. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Term Conversion Rules  AG Extend IUL Policy Features  Policy Specifications  Current Rates  How To Correctly Illustrate Agenda

3. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Conversion Term Conversion Rules

4. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Term Conversion Rules AG Secure Lifetime GUL® AG Choice Index GUL ® Elite UL® Elite Index® Elite Global Plus® Convertible to earlier of age 70 or end of level term period Years 1 - 5 Years 6+ New AG Extend IUL SM* Years 1 - 2 AG ROP Select-a-Term® *Elite Transtition UL SM in NY & VT until AG Extend IUL is approved

5. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC It is the indexed universal life product designed for term conversions beyond the fifth anniversary of the term coverage. What Is AG Extend IUL SM ?

6. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Flexible premium universal life insurance product for issue only as a result of a term conversion after the fifth term policy year.  Ability to allocate premiums among Declared Interest Account, Cap Rate Index Account and Participation Rate Index Account.  Interest crediting based in part on the one year point-to-point growth in the S&P 500 ® when either the Cap Rate Index Account or the Participation Rate Index Account is selected. Key Features

7. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Strong death benefit protection.  High internal rate of return on the death benefit.  20-year no-lapse guarantee. (15 years for ages 61-70, and 5 years for ages 71-80)  Provides a no-lapse guarantee rider to age 100.  Issued in all states by American General Life Insurance Company (policy form # 12436, ICC12-12436) except: NY and VT. Key Features

8. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Issue Ages 20-80  Minimum Death Benefit $50,000  Death Benefit Options  Option 1 (Level)  Option 2 (Increasing) Policy Specifications

9. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Percent of Premium Load – current charge of 8 percent of all premiums (maximum 10 percent)  Monthly Administration Fee – current charge of $10 (maximum charge of $12)  Five-year monthly expense charge per $1,000 of base coverage  19-Year surrender charge schedule Policy Charges

10. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policy Loans 3 Policy owners should consult a tax advisor to determine if these transactions trigger a taxable event.

11. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Current Rates Rates current as of 03/07/2013

12. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Monthly Guarantee Premium (MGP) to Age 100  Accidental Death Benefit Rider (ADB)  Children’s Insurance Benefit Rider (CIB)  Extension of Maturity Date Rider  Spouse/Other Insured Rider  Terminal Illness Rider Available Rider

13. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Illustrating in WinFlex

14. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Male 45 Preferred Non-Tobacco  $1,000,000 Guaranteed Death Benefit  Paying Annually  What Premium Should The Client Pay? Case #1

15. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Insured/Solve For

16. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Riders

17. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

18. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

19. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

20. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  What if we want to shorten the guarantee period?  Let’s only guarantee the product to life expectancy say age 85.  We simply stop paying premium at that age and the guarantee stops.  Let’s take a look… Case #1 Cont…

21. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Solve For

22. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

23. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Case #2  Male 50 Table H  $1,000,000 Guaranteed Death Benefit  Paying Annually  What Premium Should The Client Pay?

24. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Insured/Solve For

25. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Riders

26. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

27. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

28. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Solve For

29. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

30. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex Policy Options

31. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC WinFlex

32. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Questions

33. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policies issued by: American General Life Insurance Company (AGL) 2727-A Allen Parkway, Houston, TX 77019 The United States Life Insurance Company in the City of New York (US Life) One World Financial Center, 200 Liberty Street, New York, NY 10281 The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL or US Life are the issuing insurer’s responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. US Life is authorized to conduct insurance business in New York. Policies and riders not available in all states. American General Life Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers, including AGL and US Life. ©2013. All rights reserved. AGLC106471