1. The Benefits of Term Insurance
This presentation is designed to give you an overview of term insurance, how it works, and how it can benefit you.
Policies issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life).

2. What is Term Insurance? Basic, inexpensive, and easy to understand.
Life insurance policy that provides coverage for a certain period of time, or a specified “term”
Death benefit is paid out if the insured dies during the specified term period and the policy is inforce.
First, term life insurance is the most basic form of life insurance available to you. It is generally the cheapest form of insurance offered and is the easiest to understand.
As its name suggests, it is a life insurance policy that provides coverage for a certain length of time, or specified “term”.
If the insured dies during the specified term period and the policy is inforce, the death benefit is paid out to the named beneficiary(ies) on the policy.
Term insurance provides an income replacement for the beneficiaries and loved ones by providing the death benefit amount should the insured die during the term period.
Income replacement needs for beneficiaries/loved ones

3. What is Term Insurance? Peace of Mind
Competitive Cost Coverage
Death Benefit Protection
Living Benefits-Critical, Chronic, and Terminal
Peace of Mind
The 4 main components that make term insurance a valuable asset to you and your loved ones are: competitive cost coverage, death benefit protection, living benefits (critical, chronic, and terminal), and peace of mind.
We will discuss each of these things in more detail coming up.

4. Low Cost Coverage
Initially much less expensive when compared to permanent life insurance
All the coverage you need, none that you don’t
Premium is fixed for the duration of the initial term period
As I mentioned a moment ago, term insurance provides affordable coverage to the insured. It is initially much less expensive when compared to permanent life insurance policies.
You get to select the amount of death benefit coverage you need to cover funeral expenses, debt protection, and income replacement needs for your loved ones when you die. You never have to worry that you are paying for other features or benefits you do not need.
It is also easy to budget for the term insurance premiums since they are fixed for the duration of the initial term period. There will never be any guessing to keep the premium at the amount it was initially set it.
All of these things make it an attractive option for young families who need affordable death benefit protection and for individuals focused on their budget.
Affordable for young families and budget focused individuals

5. Death Benefit Protection
Specified death benefit pays out if insured dies during coverage period
Generally, the term period is between one year and up to 35 years in length
Purely risk protection, no cash value
Remember, you get to choose the death benefit amount that you need to help cover expenses in the event of your death. The death benefit you select will be paid out to a person(s), organization, or charity you select if you die during the term period.
In addition to picking the death benefit amount, you also get to select the length of the term period you would like the coverage for. The term periods can range from one year all the way up to 35 years in length. Generally, the shorter the period of time you wish to cover, the cheaper the coverage is going to be.
Because term insurance is the cheapest form of life insurance coverage, there is not a cash value component. The premium you pay into the policy is just enough to pay for the insurance.
The death benefit provided from term life insurance can help your family be assured that the income they were expected to receive from you is replaced, in full or in part, so they can continue to live the way they were used to if you die during the term period.
Protect the income their families were anticipating from them

6. Living Benefits-Chronic, Critical, Terminal
Can accelerate all or part of death benefit
Living benefits are also important things to consider when purchasing term life insurance. These living benefits provide an acceleration of the death benefit should you suffer a chronic, critical, or terminal illness.
The importance of having access to your death benefit while living is highlighted by some staggering statistics
Every 34 seconds… an American has a coronary event
75% of people…who suffer a heart attack survive at least three years
Every 40 seconds…an American has a stroke6…70% of people who suffer a stroke survive at least three years
Every 68 seconds… someone develops Alzheimer’s Disease
5,000,000… Americans have Alzheimer’s today

7. Peace of Mind
Debt – Know that protection is provided for length of mortgage and/or other debts
Dependent Care –Helping to ensure coverage for young children or until children have completed college
Lastly, term insurance provides you, your family, and loved ones a valuable peace of mind.
You will all have peace of mind knowing that protection is provided to help cover mortgages and debts should you die during the term period.
Peace of mind will also be provided to your family by ensuring young children will be taken care of and/or coverage is provided until your children have completed college.
Finally, term life insurance policies can also be converted to a permanent plan during the conversion period. This allows you to switch from temporary term coverage to a permanent life insurance plan to help ensure lifelong coverage. There are many benefits to taking advantage of a term conversion. Remember, term policies are cheaper than permanent life insurance plans. So, by starting out with a term policy you can budget your income until you can afford or are ready for more permanent coverage. Also, should you have a change in health after your term policy is issued, you can still convert it to a permanent policy for the same health rating that your term policy was issued at. Assuming you make no changes in coverage for the new, permanent plan.
Conversion can be a valuable tool to help ensure that you still have continue to have death benefit protection after your initial term period was set to expire.
Policies can be converted to permanent plans regardless of changes in health

8. Choose Duration Pay Premium Death Benefit Conversion How Does it Work?
1, 10, 20, or 35 years
Choose Duration
Annual, Semi-annual, quarterly, monthly
Pay Premium
Paid to beneficiary(ies) if insured dies during term period
Death Benefit
During conversion period, if applicable, with no additional underwriting
Conversion
Term life insurance works in the following ways:
First, you choose the duration, or term, you would like the coverage for. You can choose from a period of 1 year all the way up to 35 years depending on your age and the types of plans available.
Next, you decide how you would like to pay the premium for the policy. You can either pay annually, semi-annual, quarterly, or monthly. You can choose the method that best fits your budget.
Should you die during the term period you selected, the death benefit will be paid to your beneficiary(ies).
Remember, you also have the option to convert the term policy during the conversion period to a permanent life insurance policy, if applicable, with no additional underwriting.

9. Types of Term Policies Term Insurance Level Annual Renewable
Decreasing
Term Insurance
Annual Renewable
There are a few different types of term policies. We will go through each type of term policy so you can see the differences in each. Knowing how each works will help you determine what type of term life insurance is right for your insurance needs.
The most common type is level term. There is also annual renewable, return of premium, and decreasing term life insurance policies available.
Return of Premium

10. Level Term Most common type of term insurance
Death benefit is level for the duration of the term period
Premium is guaranteed to be level for the same duration
Can be renewed for a higher premium after the initial term period, if client meets the renewal guidelines
Conversion possible for same rating as original term policy
Level term insurance is the most common type of term insurance. It provides a level death benefit for the duration of the term period that you chose.
The premium is also guaranteed to be the same and level for the entire term duration.
At the end of the initial term period that you selected, a level term policy can be renewed if you meet the renewal guidelines. However, renewing the term policy will result in a higher premium than you were paying for the initial term period.
Again, like we have discussed before, a level term policy can be converted during the initial term period if you meet the conversion criteria.

11. Annual Renewable Premium is paid for one year of coverage
Policy is guaranteed to be continued each year for a certain number of years
Usually varies from year, or to a certain age of the insured
Premiums increase with each renewal period
Eventually, cost becomes prohibitive and would exceed the cost of a permanent policy
With an annual renewable term policy the premium you pay each year is for one year of coverage only.
However, the policy is guaranteed to be continued each year for a certain number of years. Generally, this length of time varies from 10 years up to 35 years or until you reach a certain age. After the guaranteed renewal period is over the company has the right to no longer continue the coverage, at their discretion.
Also with an annual renewable term policy, you will not be paying a level premium. The premiums increase with each renewal period. Because of this, it eventually will become cost prohibitive to you and would exceed the cost of purchasing a permanent life insurance policy instead.

12. Return of Premium
Returns premium paid during the policy term, minus fees and expenses, if the insured outlives the term duration
Premiums are generally much higher than a level term policy
If policy is terminated early, they sometimes contain step-up provisions that increase the amount returned after each year or after a certain number of years
Example: 10% back after 10 years, 30% back after 15 years, and 100% back after 30 years
Amount of premium that is returned is received income-tax free
Another type of term policy is a return of premium term policy.
With this type, if you outlive the duration of the term the premiums you have paid into the policy (minus fees and expenses) will be returned to you. Because of this feature, the premiums for a return of premium term policy are generally much higher than they would be on a level term policy.
Also, if you decide you no longer want the policy and terminate it early you may not get the full premium amount returned to you. They sometimes contain step-up provisions that increase the amount returned after each year or after a certain number of years. For example, on a 30 year return of premium term policy, you would receive 10% back after 10 years, 30% back after 15 years, then 100% back after 30 years.
Since you have already paid income taxes on the premium paid into the term policy, any premium that is returned to you is received income-tax free.

13. Decreasing Term
Type of annual renewable policy that provides a death benefit that decreases at a predetermined rate over the life of the policy
The premiums are generally constant throughout the contract
Sometimes referred to as “mortgage insurance” since the policy can be decreased by an amount equal to the remaining balance of your home mortgage
Lastly, there are also decreasing term policies available. Decreasing term is a type of annual renewable term policy that provides a death benefit that decreases at a predetermined rate over the live of the policy.
Even though the death benefit is decreasing, the premiums generally remain constant for the length of the term policy.
Decreasing term is sometimes referred to as “mortgage insurance” since the policy can be decreased by an amount equal to the remaining balance of your home mortgage. This is also the most common type of reason for purchasing a decreasing term policy.

14. Quality of Life…Insurance® QoL Flex Term
Our Term Portfolio
Now that you are familiar with the different types of term policies and how they work I want to spend some time discussing a term product that I am confident can help you fill your needs for term insurance coverage.
The Quality of Life Flex Term products offered by AIG have many features and benefits that make them an attractive product to you so you can provide the same peace of mind we have been talking about to your loved ones and yourself.
Quality of Life…Insurance®
QoL Flex Term

15. Compare with Traditional Term Insurance
QoL Flex Term
Compare with Traditional Term Insurance
Not all riders are available in all states, riders may vary by state.
Event
Traditional
Term Ins
QoL Flex
Death
Yes
Invasive Cancer No
Yes!
Heart Attack
Stroke
We discussed already that some term policies have coverage in the event you suffer a chronic, critical, or terminal illness. You can see from this graph that the Quality of Life term insurance products differ from traditional term insurance in that they provide death benefit acceleration benefits in the event you are stricken with invasive cancer, have a heart attack or a stroke.

16. SelectChoiceSM Accelerated Benefit Rider Features*
Chronic
Illness or Condition 1
Critical
Illness or Condition 2
Terminal
Illness or Condition 3
An illness or condition certified within the last 12 months and affects the insured person so that he or she:
Is unable to perform at least two of the six Activities of Daily Living (ADLs) or
Requires substantial supervision by another person to protect the insured person from threats to health and safety due to severe cognitive impairment
ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating
Major Heart Attack
Coronary Artery Bypass
Stroke
Invasive Cancer
Blood Cancers: Leukemia, Lymphoma and Multiple Myeloma
Major Organ Transplant
End Stage Renal Failure
Paralysis
Coma
Severe Burn
An illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification
The Accelerated Benefits offered on the QoL Flex Term products provide you additional coverage in addition to the typical death benefit coverage that we have already discussed.
Accelerated Benefit Rider claims are “triggered” by critical, chronic or terminal illness. On the other hand, life claims are “triggered” by the insured’s death.
There are 3 types of living benefits offered on our SelectChoice ABR—Chronic, Critical, and Terminal illness
Read through each
NOTE: In CA, the Accelerated Benefits Rider is used. There is no Defined Accelerated Benefit available.
*SelectChoice not available in CA, CT, or MT.
PLEASE NOTE: The life insurance offered with SelectChoice Accelerated Benefit Rider is not stand-alone long term care insurance, disability income insurance or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits under the rider will reduce the amounts available for future acceleration under it and any other Accelerated Benefit Rider attached to the policy. It will also reduce the base life insurance benefit and the funds available to supplement retirement or other needs. In some cases, such reductions can result in policy termination. The benefits paid may be less than what is needed to cover all of the costs associated with an illness or condition."

17. SelectChoiceSM ABR Features
Flexible Accelerated Benefit:
No-cost Accelerated Benefits
Automatically added to all eligible Quality of Life…Insurance® UL and term policies
Allows owner to accelerate some or all of the life insurance benefit in the event the insured is diagnosed with a Qualifying Event: Critical, Chronic or Terminal illness
The SelectChoice ABR offers two types of benefits available on all Quality of Life insurance universal life and term policies and are triggered by a qualifying event.
The Flexible Accelerated Benefit is included in every Quality of Life policy at no additional cost. When a qualifying event occurs the owner can accelerate up to 100 percent of the policy death benefit. Based on the severity of the event and the impact on the insured’s life expectancy, AGL makes a lump sum offer. The client can choose to take the offer, or to pass on it and leave the full death benefit intact. The lump sum offer is typically less than the amount of death benefit accelerated and depends upon the severity of the illness.
*Not available in CA, CT, or MT 7

18. SelectChoiceSM ABR Features
2. Defined Accelerated Benefit*:
Optional and may be purchased for an additional premium with eligible Quality of Life…Insurance® UL and term policies
The DAB for the initial Qualifying Event, where a claim is made, is determined by a fixed percentage between 5%-15%
The DAB for a subsequent Qualifying Event is calculated using a reduced percentage: 20% of initial DAB percentage
Subject to underwriting approval (Up to Table D)
Allows the owner to accelerate a defined amount of the life insurance benefit in the event the insured is diagnosed with a Qualifying Event: Critical, Chronic or Terminal illness
The second type of benefit is an optional Defined Accelerated Benefit that allows the customer to lock in a specified percentage of the death benefit to be paid in the event of a qualifying event. The Defined Accelerated Death Benefit option is available for an additional premium and pays the defined amount without regard to the severity of the illness. The defined benefit also reduces the death benefit dollar for dollar.
At the time of application, you will have the option to choose a Defined benefit between 5 and 15% of the policy face amount. If a claim occurs, this benefit is accelerated first without regard to the impact on the insured’s life expectancy.
Should the insured suffer a subsequent qualifying event, it is calculated using a reduced percentage: 20% of initial DAB percentage.
*Not available in CA, CT, or MT

19. How Does It Work?
You purchases a $250,000 Quality of Life…Insurance product at age 40, which includes the SelectChoice Accelerated Benefit Rider
For an additional premium, you also purchase a 10% Defined Accelerated Benefit
Ten years later you suffer a major heart attack, but the prognosis for recovery is excellent
The medical costs associated with this event are substantial causing you to consider your options. To help cover these expenses, you accelerate the $25,000 Defined Accelerated Benefit for Critical Illness
The remaining death benefit is $225,000 which could also be accelerated under the Flexible Accelerated Benefit
At the time of application, you will have the option to choose a Defined benefit between 5 and 15% of the policy face amount. If a claim occurs, this benefit is accelerated first without regard to the impact on the insured’s life expectancy.
Read through Slide
For example, a 10% Defined Accelerated Benefit on a $250,000 policy would result in a $25,000 benefit if a qualifying event occurs. The remaining $225,000 could also be accelerated under the Flexible Benefit ABR.

20. How Does It Work?
You then file a claim for another $25,000 under the Flexible Accelerated Benefit
AGL determines the benefit and makes an offer based on the severity of your condition and how it will affect your life expectancy
If you accepts this offer, the death benefit will be reduced by $25,000. You will receive less than $25,000 because you are receiving a portion of the death benefit today, rather than at the end of life expectancy (discounting)
In this case, you received an offer from AGL for an amount of $11,222*. You could elect to take all, part or none of the offer
You decide to take the $11,222* today and now have a remaining death benefit is $200,000
Read through Slide
*Amount is hypothetical and actual payment will vary be individual case.

21. QoL Flex Term – Power Features
Additional Details
Coverage up to 35 years
-22 level premium periods with guaranteed coverage
-Juvenile and senior coverages available
Generous Conversion Guidelines
-Convertible for up to 80% of the initial term period, or age 75
-Without evidence of insurability
-Can convert with SelectChoice ABRs
QoL Advantage
-Bundle more than 1 policy for a multiple policy discounts
-Policy fee reductions
Quality of Life flex term offers many valuable features:
-Coverage is offered up to 35 years, depending on age.
-There are up to 22 level premium periods with guaranteed coverage.
-Juvenile and senior coverages are both available.
-The product has generous conversion guidelines
-It is convertible for up to 80% of the initial term period, or age 75
-Without evidence of insurbility
-And, you can also convert with the SelectChoice ABRs
-The products also qualify for our Quality of Life Advantage discounting system
-Bundle more than 1 policy for a multiple policy discount
-Policy fee reductions

22. QoL Flex Term – Conversion Rules
Conversion Period = 80% of the term period
Example: 30 year term convertible for 24 years
Maximum Conversion Age = 75
Convertible to QoL Universal Life without Evidence of Insurability
Can be converted to any UL policy currently in the portfolio
Here is a look at how the conversion work on our Quality of Life Flex Term policies. Like I mentioned, you are able to convert your term policy for up to 80% of the initial term period. For example, if you decide to purchase a 30 year term policy it is convertible for 24 years (80% of the 30 year period). The maximum age that you can convert your term policy is age 75.
Your term policy can be converted to our Quality of Life Universal Life product without evidence of insurability for the entire conversion period. It can be converted to any universal life policy currently in our portfolio. It also can be converted into an existing universal life policy.
Another great feature is that you will receive a term conversion credit that is equal to the first year’s premium if you decide to convert the term policy during the first 5 years. The conversion credit will provide a boost to your new, permanent life insurance policy by applying the credits to the Accumulation value of the permanent policy. Beginning on the first monthiversary of your new, permanent policy 1/12th of the credit will be deemed part of the cash value. Each subsequent monthiversary for the first year, an additional 1/12th will be deemed part of the new policy cash value.
For example, if the premium on your term policy is $1,200 per year and you decide to convert to a permanent policy during the first 5 years $100 per month will be placed in your permanent policy’s cash value for the first 12 months for the conversion credit.
You may also decide that you would like a lower coverage amount on the new, permanent policy than what you had on your term policy. If you convert during the first 5 years, you will still receive a conversion credit, however it will be pro-rata depending on the amount of new permanent coverage you elect.
Conversion Credit = 1st year premium if converted in first 5 years
*Pro Rata for partial conversion, applied to accumulated value of UL policy

23. QoL Advantage
I will now show you the benefits of our Quality of Life Advantage program.

24. QoL Advantage – What is it?
QoL Advantage is a discount program in place to support our commitment to help solve the increased life insurance needs of consumers today.
It does this by helping consumers meet their financial objectives at an affordable price through a “bundled” solution:
Policy fee reduction
Volume discount based on aggregate coverage
Bonus crediting on select Universal Life products
Quality of Life Advantage is a discount program that supports our commitment to help solve the increased life insurance needs of consumers today.
It does this by providing a “bundled” solution that helps consumers meet their financial objectives at an affordable price. The QoL Advantage offers policy fee waivers, volume discounts based on aggregate coverage, as well as bonus crediting on select UL products.
With QoL Advantage, the more policies you have, the greater the bundled discount.

25. QoL FlexTerm – QoL Advantage
Available as a standalone policy; or
Can be purchased with another QoL Universal Life policy as part of QoL Advantage, which may include:
Policy fee reduction (up to $75/yr per term policy)
Volume discount based on aggregate amount of coverage between all policies, including Universal Life if applicable.
The QoL Flex Term is available as a standalone policy like we have been discussing, or it can be purchased with another of our QoL Universal Life products as part of the QoL Advantage.
The QoL Advantage may include policy fee waiver ($75 a year per term policy) and a volume discount based on the aggregate amount of coverage between all policies, including Universal Life policies.

26. QoL Advantage can help to satisfy the “Need”.
When permanent life insurance is the solution, but the premium is out of reach…
QoL Advantage can help to satisfy the “Need”.
If you feel the premium is out of reach for a permanent life insurance product, the QoL Advantage can help you satisfy that insurance need with its multi policy discounts.
For internal use only. Not for dissemination to the Public.

27. Disclaimer
The information presented herein is not a comprehensive analysis of the topic presented, and the viewer should consult tax and legal advisors to understand all the ramifications of the topics discussed.
No representation or warranty, express or implied, is made by AGL or its affiliates as to the completeness of the information provided. All companies mentioned, their employees, financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are subject to change and individuals should consult an attorney, tax advisor or accountant. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties.
To ensure compliance with requirements imposed by U.S. Treasury Regulations, we inform you that any tax advice contained in this presentation (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein.
The following should be read aloud: “The presentation provided is for educational purposes only and American General does not endorse or promote the concept presented. The concept presented is made available for the purpose of informing American General’s appointed agents that such concepts exist and that clients who may be interested in investigating such concepts seek the counsel and services of their independently retained experts and advisors on such matters”.
FOR AGENT USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC

28. Important Information
Policies issued by American General Life Insurance Company (AGL). 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. Policies issued by American General Life Insurance Company (AGL). 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. Please refer to your policy. For policy forms ICC , 14579, ICC10 AGL ABR, AGL ABR, ICC ,14012 ICC , 14018, ICC , 14390, AGL 05AHC, AGL EMD-DB, ICC , 14002, and state variations. © 2014 American International Group, Inc. (AIG). All rights reserved.
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 $1,500,000. See your policy for details. The insurance company may contest the policy from the date of policy issue, a reinstatement or an increase in coverage, during a period provided by applicable law and described in the policy, for the misstatement or misrepresentation of material fact on the application for such policy, reinstatement, or increase. If an Insured Person dies by suicide within the suicide period provided by applicable law and description in the policy, the death benefit will be limited as provided by the policy. Rider names, benefits and definitions may vary in some states and/or not be available in all states. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice.
(1) When filing a claim for Qualifying Critical Illness, Qualifying Terminal Illness or Qualifying Chronic Illness under an Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form (with Certification attached in the case of a Qualifying Chronic Illness) which must be received at its Administrative Center within the time frame specified in the Rider, if any. (2) If a benefit under an Accelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under  the Policy as to such Qualifying Event. To make such an election, the Owner must complete an election form and return it to AGL within 60 days of receipt of the election form.  The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. 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 Qualifying Chronic Illness, the accelerated benefit may be zero.
 (3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forth for each in a Policy may preclude payment of a benefit. (4) Benefits payable under an accelerated 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. (5) 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. (6) See your policy for details.
Read Slide
Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in That state. If uncertain, contact your American General Life Companies representative for assistance.

29. American International Group, Inc
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. For additional information, please visit our website at 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.
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