For Producer Use Only IRA Strategies for Wealth Transfer Presenter Title

1 For Producer Use Only Today’s Objectives Today I’ll demonstrate how you can improve your client’s legacy Today I’ll demonstrate how you can improve your client’s legacy by describing what IRA investors typically do, & comparing it to two simple but powerful ideas by describing what IRA investors typically do, & comparing it to two simple but powerful ideas so they can maximize their IRA legacy potential and recognize the value you bring. so they can maximize their IRA legacy potential and recognize the value you bring.

2 For Producer Use Only 30 Years Ago Pension Social Security Savings Today Pension Social Security Savings Sources of Retirement Cash Flow

3 For Producer Use Only IRAs and RMDs

4 For Producer Use Only 6% 8% 10% 12% 14% 3.6% RMDs vs. Account Value RMDs as a % of Account Value

5 For Producer Use Only Projected IRA Values $100,000 IRA; 7% hypothetical annual return

6 For Producer Use Only Typical IRA Transfer IRA Owner(s) Children Grandchildren

7 For Producer Use Only Typical IRA Transfer IRA Owner(s) $500,000 Children $300,000 Grandchildren

8 For Producer Use Only Story Selling

9 For Producer Use Only 3 Circles 2 Questions 3-Point Value Proposition

10 For Producer Use Only 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

11 For Producer Use Only 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

12 For Producer Use Only IRA Wealth Transfer Strategies

13 For Producer Use Only Typical IRA Transfer IRA Owner(s) Children Grandchildren

14 For Producer Use Only Typical IRA Transfer IRA Owner(s) $500,000 Children $300,000 Grandchildren

15 For Producer Use Only Life Insurance Solutions for IRA Wealth Transfer

16 For Producer Use Only 1. IRA Income Tax Offset IRA RMD’s Life Insurance (equal to taxes) Taxes Beneficiaries

17 For Producer Use Only IRA $500,000 RMD’s Life Insurance $200,000 Taxes Beneficiaries $500, IRA Income Tax Offset

18 For Producer Use Only 2. IRA Income Tax Elimination IRA RMD’s Life Insurance (equal to IRA) Beneficiaries Charity

19 For Producer Use Only IRA $500,000 RMD’s Life Insurance $500,000 Beneficiaries $500,000 Charity $500,000 Tax-Free Total: $1,000, IRA Income Tax Elimination

20 For Producer Use Only Comparison of Strategies Total Net After-Tax Legacy

21 For Producer Use Only Do you remember our 3-Point Value Proposition? 1.We’ll keep your IRA in your Care, Custody and Control; 2.Potentially double, triple or quadruple the value to your beneficiaries; and 3.Take no additional investment risk in your portfolio

22 For Producer Use Only The “Soft” Close “I know you qualify for this program financially, but... I don’t know if you qualify medically.” You have time to think about it.

23 For Producer Use Only Questions or Comments

24 For Producer Use Only IRA Strategies for Wealth Transfer

25 For Producer Use Only Important Information Policies issued by American General Life Insurance Company (AGL), a member of American International Group, Inc. (AIG) The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AGL 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. Keep in mind that American General Life Insurance Company and their distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Individuals should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. ©2014. All rights reserved. AGLC107191