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

FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC

AG Secure Lifetime GUL® II

with AG Asset ProtectorSM

• Accelerated Access SolutionSM

• Lifestyle Income SolutionSM

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

NameTitle

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1 of 3 things will happen

Live too long

Get sick along the

way

Die too soon

3


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

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AG Asset Protector


Die too soon

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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

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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


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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

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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

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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 Guarantees1

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 Period1,2

80 90 100 110

Guarantee Period

Guarantee Period

10 20 30 Mat

Premium Period

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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 Guarantees1

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

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Face$500,000 guaranteed to 121

Annual Premium $10,569

Guaranteed Cash at 853 $77,207

50% Withdrawal at 85: $77,207

Face$1M, guaranteed to 121

Annual Premium2 $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.


Guarantee Period Male, age 65, PNT, guaranteed to 1211

Flexibility & Choice

Unique Partial Withdrawal Capability Allows You ToAccess Cash and Preserve Death Benefit Guarantee

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AG Asset Protector

Live too long


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Everyone who has saved

more money than they need

for retirement

may leave the room!

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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

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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 longerdo come with some financial concerns

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Concern

Think about what may contribute tothe possibility of outliving your retirement income.

Do any of these issues concern you?

Debt Social Security Uncertainty

Historically Low Interest Rates Health Care Expenses

Political Uncertainty Didn’t Save Enough

Rising Income Tax Rates Stock Market Corrections

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Solution

AG Asset Protector – Lifestyle Income Solution

Accelerate up to 10% of your death benefit per year1

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.

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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

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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

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AG Asset Protector

Get sick along the

way

Accelerated Access Solution

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Adult Daycare Assisted Living

Family Care Nursing Home Care

Virtually any expense,even those unrelated to the illness

AG Asset Protector –Accelerated Access Solution

A chronic illness1 rider for AG Secure Lifetime GUL II

The funds can be used to help pay for –

1Insured 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 Daycare Assisted Living

Family Care Nursing Home Care

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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)

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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

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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

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Supplemental Application for Accelerated Access Solution

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American General is…

Revolutionizing the way YOU sell life insurance!

Story Selling

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Risk Protection Spectrum

$

Reduced Socia

l Secu

rity In

comeIncome Replacement

Kids to College

Mortgage PayoffHealth 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

$

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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

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The Solution…

Change the way yousell life insurance:

Turn yourTerm Life Insurance Sales

into

Permanent UL Sales!

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The Solution…

Sell The Value:

Clients are Protected Whether They:

Live too long

Get sick along the

way

Die too soon


AG Secure Lifetime GUL® II

with AG Asset ProtectorSM

• Accelerated Access SolutionSM

• Lifestyle Income SolutionSM

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

NameTitle

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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.com

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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

Documents

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