1. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Elite Global Plus ® II* Fixed index interest universal life insurance Presented by… Introducing… *Currently not approved in New York.

2. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Target Market  Index Strategies  Product Specifications  Competition  Sales Concepts Agenda:

3. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC The next generation IUL, positioned to outperform the competition. American General Life Companies pioneered global index universal life. Our innovation in interest crediting methodologies and diversity of global indices make Elite Global Plus II a compelling choice for today’s clients who seek protection and cash accumulation. Elite Global Plus II:

4. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC *From the 2011 Retirement Re-Set Study by American General, as part of SunAmerica Financial Group, with Harris Interactive and Age Wave. Indexed Universal Life

5. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Strongest accumulation potential of our UL products, perfect for supplemental retirement funding and other future income stream needs. Target Market

6. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Each policy is designed for clients in the 35-to-70 age bracket who want long-term death benefit protection with the potential for high cash value accumulation.  Each is applicable in all sales situations where current values are important, and is best suited for customers with a death benefit protection need of 20 years or more. Target Market

7. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Each life insurance policy was designed to produce strong accumulation growth when heavily funded.  As a result, it performs best when heavily funded and with short-pay scenarios.  When paying significantly less than the maximum 7- pay premium, our other index universal life products may provide better death benefit protection and cash value accumulation. Target Market

8. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Unsurpassed innovation in interest crediting methodology: Two crediting options plus overweighting 2 of 3 best performing indices for potentially higher interest crediting rates*.  More diversity than other carriers: three global indices: S&P 500, EURO STOXX and Hang Seng*.  Strongest accumulation potential of UL products, perfect for supplemental retirement funding and other future income stream needs. TOP Reasons… * Global indices available on 5-year index interest account option only; not available in New York.

9. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Choice Loans option allows improved income stream options with more flexibility to access cash value. Plus, loan amounts remain in the accounts eligible for index or declared interest.  One-year point-to-point fixed index interest account with Index Cap Rider provides an S&P 500 – only allocation option.  Higher targets: 24 month rolling targets* materially improved: between 20% and 60% depending on age.  Improved cap and participation rates: 5-year* participation rate 65% and 1-year cap rate 10.75%. What’s New? *Rolling targets not approved in New York. * Global indices available on 5-year index interest account option only; not available in New York.

10. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Interest Crediting Options

11. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC One-Year Index Account  1-year point-to-point linked to growth of S&P 500®  10.75% current cap and.25% minimum annual guarantee  Current maximum illustration rate: 6.76% Five-Year Index Account  5-year point-to-point linked to growth of 3 global indices  Formula overweights top two performing indices (75/25/0)  65% current participation rate and 0% minimum annual guarantee  Current maximum illustration rate: 9.28% Declared Interest Account  Current declared rate 3.00%  2.00% minimum annual guarantee Three Interest Crediting Options

12. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Anniversary-to-anniversary hypothetical growth in the S&P 500 is 18.00 percent, which is greater than the 10.00 percent assumed cap rate.  Guaranteed interest credited during the year....................0.25%  Index interest credited at the end of the year.....................9.75% Difference between 10.00 percent cap rate and 0.25 percent guaranteed interest credited during the index account year)  Total Interest credited during the index account year......10.00% (less policy charges, loans, withdrawals) Index Interest Account with Index Cap

13. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Anniversary-to-anniversary hypothetical growth in the S&P 500 is 9.00 percent, which is less than the 10.00 percent assumed cap rate. and greater than the guaranteed interest rate  Guaranteed interest credited during the year................... 0.25%  Index interest credited at the end of the year...................8.75% (Difference between 9.00 percent growth and 0.25 percent guaranteed interest credited during the index account year)  Total interest credited during the index account year........9.00% (less policy charges, loans, withdrawals) Index Interest Account with Index Cap

14. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Anniversary-to-anniversary hypothetical growth in the S&P 500 is -5.00 percent, which is less than the guaranteed interest rate.  Guaranteed interest credited during the year....................0.25%  No index interest due.......................................................0.00%  Total interest credited during the index account year........0.25% (less policy charges, loans, withdrawals) Index Interest Account with Index Cap

15. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Historical Values 1993–2012 (1-year) *These hypothetical numbers are intended to demonstrate how interest rates would have been calculated based upon certain assumptions and historical index returns. They demonstrate how rates could vary from year to year. Each value presented above is based on the average of the month-end index value for that year. These figures do not represent actual interest that would have been credited because the cap rate could have affected actual results.

16. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Assume the Participation Rate is 60% For this example, assume no loans or withdrawals are taken. The equivalent of 0% guaranteed annual interest is credited monthly. Assume the point-to-point returns are as follows: S&P 500 = 60% EURO STOXX = -28% Hang Seng = 120% 5-Year Point-to-Point Multiple Fixed Index Interest Account* * Global indices available on 5-year index interest account option only; not available in New York.

17. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Hang Seng 120% x 75% = 90% S&P 500 60% x 25% = 15% Adjusted Index Return = 105% Index return to be credited to the 5-year index account *= 105% x 60% Participation Rate = 57.899% 5-Year Point-to-Point Multiple Fixed Index Interest Account* * Global indices available on 5-year index interest account option only; not available in New York.

18. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Assume the Participation Rate is 60% For this example, assume no loans or withdrawals are taken. The equivalent of 0% guaranteed annual interest is credited monthly. Assume the point-to-point returns are as follows: S&P 500 = -10% EURO STOXX = -15% Hang Seng = -75% 5-Year Point-to-Point Multiple Fixed Index Interest Account* * Global indices available on 5-year index interest account option only; not available in New York.

19. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC S&P 500 -10% x 75% = -7.5% EURO STOXX -15% x 25% = -3.75% Adjusted Index Return = -11.25% Index return to be credited to the 5-year index account*= 0% x 60% Participation Rate = 0% 5-Year Point-to-Point Multiple Fixed Index Interest Account* * Global indices available on 5-year index interest account option only; not available in New York.

20. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Historical Values 1993–2012 (5-year) **The level annualized interest rate in column 6 compounded over 5 years, equals the amount in column 5.

21. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policy Specifications

22. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Percent of Premium Load:  Current charge of 7.00 percent of all premiums  Maximum charge of 10.00 percent Surrender Charges:  Nine-year surrender charge schedule Policy Charges

23. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Current monthly administration fee of $5.00 (maximum charge of $20.00)  Five-year monthly expense charge per $1,000 of specified amount of base policy  Current cost of insurance based on net amount at risk  Rider charges may also apply Monthly Deductions

24. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Option 1 (Level): The death benefit is the level specified amount*  Option 2 (Increasing): The death benefit is the specified amount plus the accumulation value* Death Benefit Options * To the extent that declared and/or excess interest builds more accumulation value in the policy the beneficiary may receive a higher death benefit upon the insured’s death.

25. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Two Monthly Guarantee Premiums are identified on the policy Schedule pages for Elite Global Plus II.  The Monthly Guarantee Premium for First Year establishes a premium that if paid timely guarantees the policy will not lapse in the first policy year.  The Monthly Guarantee Premium for 10 years establishes a premium that if paid timely guarantees the policy will not lapse up to 10 years from the issue date (5 years for issue ages 71 and over). Monthly Guarantee Premiums

26. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Standard Loan:  Effective annual loan rate is 4.00 percent (payable in advance at the rate of 3.85 percent).  Annual effective rate of 3.00 percent will be credited to the portion of the accumulation value that equals the amount of policy loans. Policy Loans

27. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Preferred Loan:  Available after 10 policy years.  Maximum preferred loan amount is the excess of the cash surrender value at the beginning of the year less the sum of premiums paid over partial withdrawals.  Loan rate (not guarantee) currently equals the credited rate applied to the policy loan. Policy Loans

28. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Choice Loans:  Amount of loan is not removed from any account and will be eligible for index or declared interest and does not impact interest crediting or deduction/partial allocation methodology.  Annual effective interest rate is 6.00%  Because an index account’s actual credited rate could be less than the annual loan interest rate, there is the risk the policy could lapse if poor index performance among the indices is sustained. Policy Loans

29. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Choice Loans

30. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC The policy owner can switch between Standard and Choice Loans two times during the life of the policy. Changing Policy Loan Types

31. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Terminal Illness Rider*  Waiver of Monthly Deductions Rider  Overloan Protection Rider  Maturity Extension Option  Term Life Insurance Benefit Rider* (Now Available In WinFlex) Riders *Not approved in New York

32. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC How Does It Stack Up? $25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan option Strong Cash Accumulation & Income Potential at Max Illustrated Rates * Offers fixed loans only Illustrations generated 3/19/2013 for the state of Colorado. Every attempt has been made to verify the accuracy of this information, but rates are subject to change at any time CompetitorMax StrategyRateIncomeTargetCV @A65 Allianz LifePro+ Form P54350 Global 1 Yr8.84%80,6118,621597,985 North American Builder IUL From ICC10LS172 S&P 500 1 Yr8.30%71,3009,008552,827 American General Elite Global Plus II Form 12967/12967N Global 5 Yr9.28%66,6408,772524,549 Minn Life Eclipse Form ICC09-700 S&P 500 3 Yr9.01%66,6439,238521,255 Nationwide YourLife IUL Form ICC11-NWLA-453 Blended 1 Yr8.30%60,3119,549488,972 Aviva Lifetime Builder III Form 2ECG10 S&P 500 2 Yr7.60%49,8719,457483,087 Hartford Frontier IUL 2012* Form ICC12-1377 S&P 1 Yr w Part7.90%44,6209,623498,615 Transamerica Freedom Global IUL* Form ICC11 IUL05 Global 1 Yr8.67%42,6468,104485,961 AXA Athena Index UL* Form 12-100 S&P 500 3Yr7.64%40,4628,802419,005 $25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan option

33. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC How Does It Stack Up? $25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan option at 20 yr look back rate for max illustrated strategies Market Leading Performance on a level playing field * Offers fixed loans only Illustrations generated 3/19/2013 for the state of Colorado. Every attempt has been made to verify the accuracy of this information, but rates are subject to change at any time CompetitorMax StrategyRateIncomeTargetCV @A65 American General Elite Global Plus II Global 5 Yr9.28%66,6408,772524,549 North American Builder IUL S&P 500 1 Yr7.80%59,7889,008507,050 Hartford Frontier IUL 2012* S&P 1 Yr w Part7.86%44,1909,623495,296 Transamerica Freedom Global IUL* Global 1 Yr8.67%42,6468,104485,961 Minnesota Life Eclipse S&P 500 3 Yr7.38%38,3989,238400,852 - 16% - 1% - 42%

34. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Strong Cash & Income Potential Hindsight Crediting Global Diversification Participating/ Capped Loans Allianz LifePro+ North American Builder IUL American General Elite Global Plus II Minnesota Life Eclipse IUL Nationwide YourLife IUL Aviva Lifetime Builder III Hartford Frontier IUL 2012* Transamerica Freedom Global IUL* AXA Athena Index UL* 34 How Does It Stack Up? Strong Accumulation with Differentiated Design * Offers fixed loans only Illustrations generated 3/19/2013 for the state of Colorado. Every attempt has been made to verify the accuracy of this information, but rates are subject to change at any time

35. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Sales Concepts Supplemental Retirement Savings Income for College Funding Executive Bonus Plan Premium Financing

36. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Questions

37. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Policy form numbers 12967, ICC-12967. The United States Life Insurance Company in the City of New York, One World Financial Center, 200 Liberty Street, New York, New York, 10281. Elite Global Plus II Policy Form Number 12967N; Waiver of Monthly Deduction Form Number 82001N; Overloan Protection Rider Form Number 07620N. Elite Global Survivor Policy Form Number 08414N; Four Year Term Rider Form Number 01904N; Overloan Protection Rider Form Number 07620JTN. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life) are its responsibility. Guarantees are subject to the claims paying ability of the issuing insurance company. AGL does not solicit business in New York. Policies and riders not available in all states. American General Life Companies, www.americangerneral.com, is the marketing name for a group of affiliated domestic life insurers, including AGL and US Life. 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. Do not state or imply that the purchase of the Elite Global Plus II is like an investment or a means of participating in “securities,” “markets,” stocks,” “stock market index,” or “S&P 500.” STANDARD & POOR’S, S&P and S&P 500 are registered trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by American General Life Companies. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of paying premiums for the Product.www.americangerneral.com FOR PRODUCER USE ONLY. NOT FOR DISSEMINATION TO THE PUBLIC. AGLC106841 Important Information