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Live Longer.

Retire Stronger.

Life insurance you don’t have to die to use

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FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC

The conversation around retirement and aging has changed

People are living longer and retiring stronger with more diverse lives than ever before

For many Americans, their second half of life is long and rich with experience including perhaps a second career, new hobbies, travel plans or spending time with family

In some cases, these experiences are not always planned, like facing unexpected financial situations such as supporting adult children or parents, market changes, an illness or even an untimely death

Traditional life insurance with standard death benefit protection is no longer enough

“I may not be able to afford the retirement I want becauseI will be providing for my kids’ and granddaughter’s future.”-Preretiree, SunAmerica Retirement Reset Study focus group2

2The SunAmerica Retirement Re-SetSM Study 2Q11 US public opinion poll was conducted by Harris Interactive via telephone interviews with a national sample of 1,001 adults age 55+ representative of general population by income, ethnicity, geography and gender.

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Life insurance for the living

Living benefit options

provide the ability to turn

your life insurance contract

into an income stream to

handle the unexpected

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Because it’s a value-driven conversation, it makes price less relevant

Living benefit options – creating numerous benefits for both agents and clients

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It gives consumers a reason to purchase permanent life insurance instead of term insurance2

The value proposition revolves around the concept that this is “Life Insurance For The Living”3

For the first time,

life insurance

buyers have the

opportunity to

spend their death

benefits while they

are still alive,

creating an entirely

new era of financial

security provided by

life insurance

FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC

Retirement Life StagesStage 1 – Preparing for Retirement

Stage 2 – Transitioning into Retirement

Stage 3 – Living in Retirement

Stage 4 – Leaving a Legacy

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What your clients need to know about Retirement Life Stages

Being able to retire when desired is a top concern across all family categories, age categories and income brackets

Americans can now expect to live up to 20-40 years in retirement, through all kinds of circumstances

For many, employer sponsored plans and IRAs will not be enough to provide sufficient retirement income

Running out of funds for whatever reason is top of mind

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Adding value for your clients

We know that being able to retire when desired is a major concern across all family categories, age categories and income brackets

Helping your clients understand more about the retirement life stages can help you better explain how life insurance can play a key part in protecting their retirement assets along the way

By protecting their retirement assets you are helping them be better prepared for their financial future

When looking at retirement planning, you can view it as a life-long process with 4 distinct phases and key considerations at each phase

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Stage 1 – Preparing for Retirement

Developing an accumulation plan and goals

Dedicating funds towards retirement and not using them for unexpected expenses

Developing strategies to ‘pay yourself first’

Preparing for retirement may start for some in their 20’s and 30’s and for others much later. Key considerations may be –

I CAN DO IT!

Mortgage

College

Death benefit protection

Dedicated retirement funds

Paying yourself first

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Stage 2 – Transitioning into Retirement

Unplanned expenses taking care of children and/or aging parents

Developing a retirement income plan taking into account risk tolerance and timing

Becoming a money manager of your own plan

Regardless of age, transitioning into retirement is a very important phase in the retirement planning life cycle. Key considerations may be –

I’ve made it, how do

I protect it?

Can you handle life’s UNEXPECTED financial expenses?

70% of respondents believe their adult children will need financial assistance

The 2Q11 SunAmerica Retirement Re-setSM study conducted by Harris Interactive surveyed a national sample of adults age 55+

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Stage 3 – Living in Retirement

Fear of outliving retirement assets due to unexpected expenses or illness

Unexpected early retirees need to fund longer retirement

Downsizing/rightsizing and geographic relocation (near children/grandchildren)

Now the challenge is to navigate varying circumstances and stick to your planned income stream. Key considerations may be –

I’m living it! How do I make sure it lasts?

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Stage 4 – Leaving a Legacy

Determining amount and tax-optimized strategies for wealth transfer

Asset distribution – trust & will development

Charitable giving

Leaving a legacy is important to many Americans. If you want to transfer your estate to your family or charitable organization, it is wise to minimize taxes along the way for those involved in your estate. Key considerations may be –

I’ve made a difference!

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Protection for the best of times and the worst of times

The

importance of

having access

to your death

benefit while

living is

highlighted

by some

staggering

statistics

What does that mean for your financial assets?

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Protection for the best of times and the worst of times

We are

changing the

way you think

about and

use life

insurance

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Driving meaningful conversations

Help your clients understand: – Each of the retirement stages– Which stage they’re currently in– And planning that may be appropriate

at this time in their financial life

Driving meaningful conversations about how life insurance can play a key part in protecting your clients’ retirement assets every step of the way

Stage 1 – Preparing for Retirement

Stage 2 – Transitioning into Retirement

Stage 3 – Living in Retirement

Stage 4 – Leaving a Legacy

What if your savings expire before you do?

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Life insurance you don’t have to die to use

Find out more at: www.RetireStronger.com

Live Longer.

Retire Stronger.

American General, a member company of AIG, can help you help your clients retire STRONGER

1 UBS Investor Watch, 4Q 2013, ‘80 is the new 60’2 The SunAmerica Retirement Re-SetSM Study 2Q11 US public opinion poll was conducted by Harris Interactive viatelephone interviews with a national sample of 1,001 adults age 55+ representative of general population by income,ethnicity, geography and gender.3 National Council on Aging: http://www.ncoa.org/improve-health/center-for-healthy-aging/chronic-disease/4 American Heart Association, Heart Disease and Stroke Statistics — 2013 Update5 American Heart Association, Heart Disease and Stroke Statistics — 2011 Update6 American Heart Association, Heart Disease and Stroke Statistics — 2013 Update7 American Heart Association, Heart Disease and Stroke Statistics — 2010 Update8 Fidelity Benefits Consulting study9 State of the Insured Retirement Industry: 2012 Recap and a 2013 Outlook, Insured Retirement Institute10 Policy owners and prospective Policy owners should consult a qualified estate planner.

Policies issued by: American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, Texas 77019 and The United States Life Insurance Company in the City of New York (US Life), One World Financial Center, 200 Liberty Street, New York, New York, 10281.The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL and US Life are the issuing insurer's responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. Investments in variable life insurance are subject to market risk, including loss of principal. US Life is authorized to conduct insurance business in New York. AGL and US Life are members of American International Group Inc., (AIG). AIG does not underwrite any policy described herein.

© 2014. All rights reserved.

FOR PRODUCER USE ONLY – NOT FOR DISSEMENATION TO THE PUBLIC