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For agent use only. Not for distribution to the public.

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Presentation on theme: "For agent use only. Not for distribution to the public."— Presentation transcript:

1 For agent use only. Not for distribution to the public.

2 For agent use only. Not for consumer distribution. AG HorizonIndex ® Helping give your clients a clearer view of retirement For agent use only. Not for consumer distribution.

3 Index Annuities Upside Potential & Downside Protection Goal is to Hit the Cap Safety of Premium & Past Earnings

4 For agent use only. Not for consumer distribution. Index Annuity Client Power Of Zero

5 For agent use only. Not for consumer distribution. AG HorizonIndex ® Annuity Series AG HorizonIndex ® 9 AG HorizonIndex ® 12

6 For agent use only. Not for consumer distribution. AG HorizonIndex ® Annuities Single Premium Minimum Premium $5,000 (Qualified and Non-Qualified) Premium Bonus at issue 12 yr: 5% 9 yr: 4% Issue Through age 85 2 Index Accounts Withdrawal Charge Period Guaranteed Minimum Withdrawal Value 90% at 2% * **Guarantees subject to claims-paying ability of the issuing insurance company

7 For agent use only. Not for consumer distribution. AG HorizonIndex ® Annuities Credited on Issue Increases Annuity Value Not Recaptured upon Surrender No Annuitization Required Premium Bonus 12yr: 5% 9yr: 4%

8 For agent use only. Not for consumer distribution. AG HorizonIndex ® 9 and AG HorizonIndex ® 12 ** Guarantees subject to claims-paying ability of the issuing insurance company. * Withdrawal charges may be subject to Federal and/or State income taxes. 10% Federal Contract Year year10% 9%8%7%6%5%4%2%0% 12 year12% 11%10%9%8%7%5%3%0% Withdrawal Charges* Guaranteed Withdrawal Value of 90% at 2% **

9 For agent use only. Not for consumer distribution. Account Options 2 Year Point-to-Point Account with Index Cap S&P 500 ® Index Monthly Additive Point-to-Point Account with Monthly Index Cap S&P 500 ® Index Fixed Interest Account

10 For agent use only. Not for consumer distribution. 2 Year Point-to-Point with Index Cap Credits interest every 2 years on the contract anniversary Based on the percentage calculated change in the S&P 500 ® Index over two contract years Interest will never be Higher than the Cap Less than zero Cap declared at contract issue and on each anniversary

11 For agent use only. Not for consumer distribution. An example of how it works Assumptions Cap is 18% Initial premium is $15,000 $10,000 into 2yr Point-to-Point (Bucket 1) 2 Year Point-to-Point with Index Cap

12 For agent use only. Not for consumer distribution. 2 Year Point-to-Point with Index Cap

13 For agent use only. Not for consumer distribution. Monthly Additive Account with Cap Credits interest every year Using S&P 500 ® data Measures Monthly Point-to-Point changes With each month’s positive % change subject to the Monthly Cap Calculate the Sum Interest will never be Higher than 12 x Monthly Cap Less than zero Cap declared at contract issue and every anniversary

14 For agent use only. Not for consumer distribution. Monthly Additive Account with Cap 9.75%Interest Credited Month Month Month Month Month Month Month Month Month Month — Capped % Change — S&P 500 Index % Change 1080Month Month Date of Issue S&P 500 Index ValueMonth

15 For agent use only. Not for consumer distribution. Fixed Interest Account 9-Year: 6yr guarantee, then resets annually 12-Year: 9yr guarantee, then resets annually All declared rates are guaranteed to be at least 2% Annual reallocations into or out of the Fixed Interest Account Fixed Interest is credited to the contract on a daily basis

16 For agent use only. Not for consumer distribution. Benefits and Riders Always Included 10% Free Withdrawal after 1 st year Annuity Value at Death Extended Care Rider Annual Statements & Reallocations

17 For agent use only. Not for consumer distribution. Premium Type Single Maximum Premium $1 million without home office approval $500,000 above age 75 Non Qualified & Qualified Contract Types AG HorizonIndex ® Annuities

18 For agent use only. Not for consumer distribution. Thank You! Annuity Marketing

19 For agent use only. Not for consumer distribution. These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the contract and riders for complete details. This contract is not insured by the FDIC, the Federal Reserve Board or any similar agency. The contract is not a deposit of other obligation of, nor is it guaranteed or endorsed by any bank or depository institution. This presentation is designed to give you an overview of AG HorizonInex Annuity, AG HorizonIndex 9 Annuity, and AG HorizonIndex 12 Annuity from American General Life Insurance Company (AGL). State variations may apply. It is not meant to be a substitute for the actual contract. Withdrawals may be subject to Federal and/or State Income taxes. A 10% Federal penalty tax may apply to the taxable portion if withdrawals or surrender are made before age 59 ½. Annuity owners should consult a tax advisor regarding their specific situation. Important: Do not state or imply that the purchase of the AG HorizonIndex Annuity is like an investment or a means of participating in “securities,” “markets,” “stocks,” “stock market index,” or “S&P 500 Index.” 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. [1] “Standard & Poor’s®,” “S&P®,” “S&P 500®,” “Standard & Poor’s 500” and “500” are trademarks of The McGraw-Hill Companies, Inc., and have been licensed for use by AGL. These products are not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of purchasing these products. The Products are not in any way sponsored, endorsed or promoted by the Index Sponsor. The Index Sponsor does not make any warranty or representation whatsoever, express or implied, either as to the results to be obtained as to the use of the Index or the figure as which the Index stands at any particular day or otherwise. The Index is compiled and calculated solely by the Index Sponsor. However, the Index Sponsor shall not be liable to any person for any error in the Index and the Index Sponsor shall not be under any obligation to advise any person, including a purchaser or vendor of the Products, of any error therein. In addition, the Index Sponsor gives no assurance regarding any modification or change in any methodology used in calculating the Index and is under no obligation to continue the calculation, publication and dissemination of the Index. [2] Depending upon option chosen. Annuities issued by: American General Life Insurance Company 2727-A Allen Parkway, Houston, Texas Single-Premium Deferred Annuity Contract Number (AG Horizon Index®) Extended Care Rider Form Number or The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Annuities and riders are not available in all states. American General Life Companies, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc. including AGL. Annuities and riders are not available in all states. © 2009 All rights reserved. AGLC Disclaimers


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