1. For Financial Professional Use Only – Not for Public Distribution 2 Policies Are Better Than 1 Using 2 Policies to Significantly Enhance the Consumer Value Policies issued by American General Life Insurance Company, member of American International Group, Inc. (AIG)

2. For Financial Professional Use Only – Not for Public Distribution AG Secure Lifetime GUL ® II + AG Select-A-Term ® The New and Improved ROP Play

3. 3 For Financial Professional Use Only – Not for Public Distribution AG Secure Lifetime GUL II + AG Select-A-Term Example George is 45, preferred NT and currently needs $5M of death benefit protection for his family. He would prefer to not make premium payments during his retirement years. George hopes to maintain some death benefit during his retirement years but not necessarily all $5M. If he could access the policy for income shortfalls or financial emergencies that would be an ideal solution. What do you present to George as the best solution? Term? GUL? IUL? Laddered policies? Not an actual case, and is a hypothetical representation for illustrative purposes only.

4. 4 For Financial Professional Use Only – Not for Public Distribution AG Secure Lifetime GUL II + AG Select-A-Term Need to Know!!! An AIG 20 year ROP term would have cost $32,400 per year for George. Need to Know!!! An AIG 20 year ROP term would have cost $32,400 per year for George. Here is one solution from American General Life that you could present: Note: We paid up the GUL in 20 years or at George’s age 65. ® 1 This assumes an increase in the IRS maximum per diem amount, since currently that would only allow $9,900 per month.

5. 5 For Financial Professional Use Only – Not for Public Distribution AG Secure Lifetime GUL II + AG Select-A-Term Met his need of $5M of death benefit protection. Reduced the premium outlay by laddering a GUL and a term policy. Allowed George to turn his policy into positive cash flow during his retirement years. With the AAS rider you’ve created a pool of money for George to access in the event of chronic illness. If he waited to accelerate the LIS rider he could increase his annual income. By presenting this solution what did you just accomplish for George? ® ®

6. For Financial Professional Use Only – Not for Public Distribution 2 Asset Protector Policies Two Policies for Double the Guaranteed Income Duration

7. 7 For Financial Professional Use Only – Not for Public Distribution 2 AG Asset Protector Policies Example Jonathan is a 45 year old that desires $1M in death benefit protection. He’s uncertain whether he will need the entire $1M of death benefit in perpetuity. He’s somewhat risk averse and likes the idea of having a guaranteed income source during retirement. Has some concerns on the potential costs of future care should he become chronically ill. What do you present to Jonathan as the best solution? Term and a SPIA? GUL and a deferred annuity? LTC policy? Not an actual case, and is a hypothetical representation for illustrative purposes only.

8. 8 For Financial Professional Use Only – Not for Public Distribution 2 Asset Protector Policies Here are two solutions from American General Life that you could present to Jonathan: Solution #1 Solution #2 Although it costs a little extra, Jonathan likes solution #2 for the flexibility AND the ability to have up to 20 years of guaranteed income.

9. 9 For Financial Professional Use Only – Not for Public Distribution 2 AG Asset Protector Policies By presenting this solution what did you just accomplish for Jonathan? 2 Policy Solution 2 $500K AG Secure Lifetime GUL IIAG Asset Protector Premium$11,409 X 20 Years$228,180 Choose two: LIS @ 76-85$30,000 LIS @ 86-95$50,000 LIS @ 76-85$30,000 LIS @ 86-95$50,000 Provided his desired $1M of death benefit. Yielded a flexible guaranteed income level for up to 20 YEARS! $1M made available for Chronic Illness care should he need it. Provided this flexibility at an additional cost of only $520 per year.

10. For Financial Professional Use Only – Not for Public Distribution 2 AG Secure Survivor GUL II Policies Second-to-Die Presentation with Additional “Optionality”

11. 11 For Financial Professional Use Only – Not for Public Distribution 2 AG Secure Survivor GUL II Policies Example Ernest is 65 and Sandra is 60 and both are standard NT risks. They currently have a $10M insurance need for their personal planning needs. They have some concerns over prior insurance presentations with limited flexibility and options on GUL contracts. However, they don’t want to continue waiting to put insurance in force while they’re both still healthy. What do you present to Ernest and Sandra as the best solution? Standard survivor GUL? Survivor VUL? Two single life policies? Not an actual case, and is a hypothetical representation for illustrative purposes only.

12. 12 For Financial Professional Use Only – Not for Public Distribution 2 AG Secure Survivor GUL II Policies Solution #1 Solution #2 A standard AG Secure Survivor GUL II would work well. It’s guaranteed cash value and 100% ROP in year 15 may provide the flexibility they desire. This would be an all pay of $123,597 for a guarantee to age 105. They could also surrender their policy in the 15 th year and get their entire $1,853,955 of premium back. Need to Know!!! In this instance the 2 policy solution only cost an additional $137 per year – or a 0.11% increase! Need to Know!!! In this instance the 2 policy solution only cost an additional $137 per year – or a 0.11% increase!

13. 13 For Financial Professional Use Only – Not for Public Distribution By presenting this solution what did you accomplish for Ernest and Sandra? Provided their desired $10M of death benefit. The flexibility to not only cut their coverage in half but also get all of their premium back on the surrendered policy. Easy way to address future gifting changes when one insured passes. Provided this flexibility at an additional cost of only $137 per year. 2 AG Secure Survivor GUL II Policies

14. 14 For Financial Professional Use Only – Not for Public Distribution Any Questions??? Policies issued by American General Life Insurance Company (AGL). Policy form numbers 13460, ICC13-13460, 13239, ICC13- 13239; rider form numbers 13972, 13600, ICC13-13600, 11990, ICC11-11990. 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 New York. Products may not be available in all states and product features may vary by state. State variations may apply. Please refer to the policy for complete details. There may be a charge for each rider selected. See rider for details regarding the benefit descriptions, limitations and exclusions. © 2015 AIG. All rights reserved. FOR FINANCIAL PROFESSIONAL USE ONLY — NOT FOR PUBLIC DISTRIBUTION. AGLC109220