HIGHLY CONFIDENTIAL – DO NOT COPY. All the information contained herein is confidential and proprietary and belongs solely to AIG. The unauthorized use, reproduction or disclosure of this information is prohibited. FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION IRA Strategies for Wealth Transfer Presented by: Name Title Life Insurance | AIG Financial Distributors Policies issued by American General Life Insurance Company, member of AIG

2 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

3 3 Circles 2 Questions 3-Point Value Proposition

4 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Cross out the one you would least like to get your money when you’re done with it. X L.O. CG Your money can go to three places when you’re done with it: 3 Circles

5 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 2 Questions: 1.Mr. & Mrs. Jones, if things go the way you have planned, what’s going to happen to your IRA? 2.Why don’t you give it to them right now? 2 Questions: 1.Mr. & Mrs. Jones, if things go the way you have planned, what’s going to happen to your IRA? 2.Why don’t you give it to them right now? Client Questions & Value Proposition 3-Point Value Proposition: 1.We’ll keep your IRA in your Care, Custody and Control; 2.Potentially double, triple or quadruple the value of your legacy; and 3.Take no additional investment risk in your portfolio 3-Point Value Proposition: 1.We’ll keep your IRA in your Care, Custody and Control; 2.Potentially double, triple or quadruple the value of your legacy; and 3.Take no additional investment risk in your portfolio

6 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION IRA $500,000 RMD’s Life Insurance $200,000 Taxes Beneficiaries $500, IRA Income Tax Offset

7 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION IRA $500,000 RMD’s Life Insurance $500,000 Beneficiaries $500,000 Charity $500,000 Tax-Free Total: $1,000, IRA Income Tax Elimination

8 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION IRA Distribution Amounts Comparison of IRA Wealth Transfer Solutions

9 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Target Clients Legacy = IRA Wealth Transfer Age 60 – 75 Not planning to spend IRA assets; will leave as a legacy

10 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Refocus on “Retirement Insurance”  Solve your client’s problems with “Life Insurance You Don’t have to Die to Use”... Asset Protector  Enable your clients to maximize their wealth transfer

11 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION Learn more and identify prospects  Learn More: Call your American General Life representative – Set up a webinar or in person training session – Find out how the “napkin tools” and other tools can work for you  Identify Prospects: thought provoking materials to your client/prospect database today

12 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION IMPORTANT INFORMATION This information is general in nature and may be subject to change. The Company, its financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. For advice concerning your situation, consult your professional attorney, tax advisor or accountant. Policies issued by American General Life Insurance Company (AGL) except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION AGLC © AIG All rights reserved.

HIGHLY CONFIDENTIAL – DO NOT COPY. All the information contained herein is confidential and proprietary and belongs solely to AIG. The unauthorized use, reproduction or disclosure of this information is prohibited. Questions?