1. Choose Wisely. Choose QoL Flex Term
The new Quality of Life…Insurance SelectChoice II Accelerated Benefit Riders provide a great value proposition to your clients and prospects. This presentation will walk through the details of the new riders and explain how they work.
Policies issued by American General Life Insurance Company ("AGL“)

2. QoL Flex Term Highlights
18 term durations – Ability to choose any duration between 10, years, and 35 year level term
You can choose the policy duration to match their specific needs
Includes QoL SelectChoice II ABRs!*
Invaluable Flexibility
Low Band
Policies between $50,000-$99,999 available for standard class
Non-medical underwriting up to age 59 – only medical history required, no exams needed
Available ages with full UW
Full Convert-ibility
Read Slide
Full convertibility for the entire term period or up to age 70
Partial conversions available
Expanded conversion credits – 8 years for 10 Year Term, or 10 years for all other durations!
Applied to accumulation value or premium on new, permanent policy
*Where QoL SelectChoice II ABRs are approved

3. QoL Flex Term benefits for just a little more a month – $250K Face
Shown against a broad range of top term products; these rates have not changed, but still competitive
Monthly amount more with QoL – Male, $250K Face Amount, 20-Year Term 20 25 30 35 40 45 50 55 60
PPNT
$1.80
$2.01
$2.02
$3.90
$4.08
$5.23
$6.24
$13.88
PNT
$1.91
$2.58
$3.18
$4.48
$8.58
$7.32
$13.87
SPNT
$3.51
$3.47
$3.30
$3.37
$5.37
$6.89
$9.60
$9.21
$11.32
SNT
$2.00
$2.32
$2.31
$2.73
$5.60
$8.06
$9.76
$15.48 PT
$2.91
$7.75
$5.69
$11.96
$13.24
$10.77
$16.09
$33.11 ST
$9.80
$13.73
$8.88
$16.62
$23.40
$26.94
$34.10
$50.23
Monthly amount more with QoL – Female, $250K Face Amount, 20-Year Term 20 25 30 35 40 45 50 55 60
PPNT
$1.38
$2.35
$4.79
$4.95
$6.50
$8.86
$18.96
PNT
$1.52
$1.61
$1.83
$2.89
$2.76
$6.09
$11.46
$17.77
SPNT
$3.85
$3.46
$2.45
$2.24
$2.71
$3.75
$5.09
$8.01
SNT
$1.84
$1.94
$2.26
$3.04
$3.50
$4.80
$6.79
$11.38 PT
$5.51
$3.33
$5.90
$3.28
$7.66
$10.38
$11.63
$14.58
$31.35 ST
$8.27
$6.29
$9.43
$9.22
$12.87
$16.56
$15.92
$21.58
Legend:
Within $5 or 15%
Not within $5 and beyond 15%
Comparison of the monthly premiums of QoL Flex Term versus fifteen of its competitors: Accordia Term Life, ANICO Signature Term, AXA Equitable Term 20, Banner OPTerm, John Hancock Term 17, Life Insurance Company of the Southwest Level Term, Lincoln LifeElement Level Term 20, Mutual of Omaha Term Life Answers, North American ADDvantage 20, Pacific Life Prime Term 20, Principal Term Life, Prudential Term Essential 20, Transamerica Trendsetter LB.. Current as of June 16,

4. QoL Flex Term benefits for just a little more a month – $500K Face
These cells have improved with the new, lower rates
Monthly amount more with QoL – Male, $500K Face Amount, 20-Year Term 20 25 30 35 40 45 50 55 60
PPNT
$1.93
$2.08
$2.11
$3.71
$4.23
$ 8.50
$13.07
$19.57
PNT
$2.06
$2.29
$2.80
$3.58
$5.73
$9.92
$14.70
$26.45
SPNT
$2.24
$4.24
$3.09
$5.81
$6.87
$10.42
$15.43
$28.36
SNT
$2.83
$3.04
$3.06
$3.12
$4.07
$7.53
$10.35
$15.65
$25.71 PT
$4.51
$5.21
$9.47
$20.68
$13.56
$19.83
$30.43
$46.15 ST
$6.16
$5.99
$9.10
$10.21
$22.65
$17.98
$34.66
$39.97
$57.51
Monthly amount more with QoL – Female, $500K Face Amount, 20-Year Term 20 25 30 35 40 45 50 55 60
PPNT
$1.32
$1.19
$1.52
$1.98
$4.03
$4.09
$11.46
$11.07
$27.98
PNT
$1.58
$1.78
$1.54
$2.33
$3.39
$10.54
$16.79
$36.29
SPNT
$3.60
$2.50
$3.41
$2.99
$4.10
$6.28
$10.68
$19.06
SNT
$2.95
$2.52
$2.98
$3.06
$3.35
$5.16
$6.97
$10.91
$17.75 PT
$9.81
$4.54
$4.08
$4.86
$6.66
$11.49
$14.36
$21.69
$33.39 ST
$8.84
$5.48
$6.13
$6.14
$8.67
$16.51
$31.19
$30.35
$49.19
Legend:
Within $5 or 15%
Not within $5 and beyond 15%
Comparison of the monthly premiums of QoL Flex Term versus fifteen of its competitors: Accordia Term Life, ANICO Signature Term, AXA Equitable Term 20, Banner OPTerm, John Hancock Term 17, Life Insurance Company of the Southwest Level Term, Lincoln LifeElement Level Term 20, Mutual of Omaha Term Life Answers, North American ADDvantage 20, Pacific Life Prime Term 20, Principal Term Life, Prudential Term Essential 20, Transamerica Trendsetter LB.. Current as of June 16,

5. QoL Flex Term—Competitive Positioning
Competitive Tobacco Rates
$1,000,000 Face Amount, Preferred Tobacco
Product
Female year
Male, year
Female year
QoL Flex Term
$1,635
$7,575
$2,025
ANICO Signature Term
$1,660
$7,580
$2,130
Pacific Life Prime Term
$1,665
$7,815
$2,255
Lincoln LifeElements
$1,730
$9,060
$2,224
Transamerica Trendsetter LB
$1,760
$8,480
$2,050
Prudential Term Essential
$1,785
$2,215
John Hancock Level Term 17
$1,790
$10,260 —
Brighthouse Guaranteed Level Term
$1,839
$7,579
$2,259
Mutual of Omaha Term Life Answers
$1,973
$8,303
$2,363
LSW Level Term
$2,075
$9,695
$3,035
As you can see, our QoL Flex Term has very competitive tobacco rates.
Here is a comparison on a 35 year old female 20 year term, 50 year old male 20 year term, and a 30 year old female 30 year term.
Against 9 of our major term competitors, in each of these instances our annual premium is cheaper than theirs for the $1M face on a preferred tobacco user.
Bold represents most direct competitors who have ABR coverage similar to ours.
Data is current as of June 16, 2017.

6. QoL Flex Term – Feature Comparison
Wide range of features and benefits
QoL Flex Term offers a wide range of features and benefits that make it competitive.
You can see that we are the only carrier of those listed who offers a 35 year term duration as well as other durations.
Also, we are one of 5 that offers a low face amount option of $50k and also one of 5 that offers ABRs on their term policies.
Bold represents most direct competitors who have ABR coverage similar to ours.
* Maximum face amount is $300,000; $250,000 for ages

7. QoL Flex Term – Feature Comparison
Quality of Life versus competitor’s ABRs
This chart highlights not only our premium competitiveness, but also shows how our ABR coverages compare to the competition.
In this example, we have a 40 year old male, preferred plus, 20 year term, $1 million face.
Our monthly premium is the cheapest of the 10 term policies listed in this comparison. Additionally, our chronic, critical, and terminal illness coverages are as competitive as those who offer similar ABR coverage.
Male, Age 40, PPNT underwriting class, 20-year duration, $1,000,000 face amount
Data is current as of June 16, 2017.

8. QoL Flex Term Issue Ages
Longer Coverage Periods
Plan Duration
Non-Tobacco
Tobacco
10 Year
20-80*
20-75*
15 Year
20-70
16 Year
17 Year
18 Year
20-69
19 Year
20-67
20 Year
20-65
21 Year
20-68
20-63
22 Year
20-62
Plan Duration
Non-Tobacco
Tobacco
23 Year
20-66
20-61
24 Year
20-64
20-59
25 Year
20-63
20-58
26 Year
20-62
20-57
27 Year
20-60
20-55
28 Year
20-54
29 Year
20-53
30 Year
20-50
35 Year
20-45
20-40
Here are the maximum issue ages for each of the term durations for both non-tobacco and tobacco users.
The biggest thing to notice is that the QoL Flex Term no longer offers juvenile coverage. The minimum issue age for all term durations is 20.
This chart can be found in the QoL Flex Term Producer guide to be used as a reference for you.
*Maximum Table Rating for issue ages 71+ is Table D
For issue ages 71+, no flat extras allowed

9. QoL Flex Term Conversion
Versus the competition
Product
Until year
Until age
Conversion Credit
Convert to Full Portfolio
QoL Flex Term
Entire term 70 a
ANICO Signature Term 20 65
Banner OPTerm
John Hancock Term 17 10
Lincoln LifeElements Term
LSW Level Term
10 to 20 depending on duration
Brighthouse Guaranteed Level Term
Entire Term
Mutual of Omaha Term Life Answers
Entire term 30-year is 20 75
New York Life Level Convertible Term
10 – Attained age
5 – Original age
North American ADDvantage 74
30-year is 69
Protective Customer Choice UL
Prudential Term Essential
SBLI Guaranteed Level Term
Transamerica Trendsetter LB
75 for PPNT
70 others
Here you see how our conversion privileges compare to our major competitors.
We allow the client to convert their term policy to any permanent policy currently available at the time of conversion. The may convert any time during the level premium payment duration, or until age 70, whichever comes first.
We also will provide a conversion credit if the conversion happens in the first 8 years on a 10 year term or in the first 10 years on any other term duration.
Bold represents most direct competitors who have ABR coverage similar to ours.

10. QoL Flex Term Minimum issue age: 20 for all cases Age nearest birthday
Additional Information
Minimum issue age: 20 for all cases
Age nearest birthday
Maximum issue age for policies between $50,000 and $99,999 is 70
Available Riders:
Accelerated Benefit Riders
Accidental Death Benefit ($100k min face, through Table D)
Child Rider*
Waiver of Premium**
Read Slide
*State availability may vary
**Not available on face amount above $5M (per life limit)

11. QoL Flex Term Initial Credit Card Payment Option Available
Additional Information
Initial Credit Card Payment Option Available
Available for initial premium payment
Only on policies set up for draft at issue. (Not available in AK, MD, NC, NJ, NY)
Complete Credit Card Authorization Form (AGLC REV0215)
Read Slide

12. QoL Flex Term Low Face Amount
Additional Information
Low Face Amount
Reduced face amount of $50,000 results in the addition of a new band ($50,000-$99,999)
Standard underwriting class ONLY
Non-medical underwriting available up to age 59 (medical history required, no exams needed)
Available up to age 70 (no substandard classes)
Cases must be submitted through AG Quick Ticket or iGo eApplication
Must THOROUGHLY complete Non-Medical Part B application
Read slide

13. QoL Flex Term Now offering face amounts starting at $50,000
$50,000 Face Amount – SNT, monthly rates
Scenario
QoL Flex Term
ANICO Signature Term
LSW Level Term
Mutual of Omaha Term Life Express
Transamerica Trendsetter LB
Male, 45, 10-years
$20.93
$17.71
$16.50
$22.47
$22.19
Male, 45, 20-years
$23.44
$21.77
$24.73
$27.50
$26.10
Female, 45, 20-years
$18.73
$17.93
$20.11
$26.12
$21.76
Female, 45, 30-years
$24.83
$26.91
$29.70
$34.18
$24.94
Male, 50, 15-years
$28.33
$25.44
$34.04
$29.89
Female, 50, 20-years
$23.79
$23.76
$25.92
$36.80
$29.46
Male, 55, 10-years
$33.48
$33.96
$29.92
$47.88
$38.40
Male, 55, 20-years
$44.55
$45.53
$47.30
$56.43
$49.67
Female, 55, 15-years
$27.77
$26.35
$27.37
$45.52
$31.48
Our new low face, non-med band offers a competitive premium compared to others in the industry that also offer a low face term option.
Any figure you see highlighted in green means that our QoL Flex Term premium is cheaper than the competitor for the particular scenario. Any figure you see highlighted in red means that the competitor premium is lower than ours.
In almost every instance the QoL Flex Term premium is cheaper than Mutual of Omaha and Transamerica. It is split pretty evenly between ANICO and LSW. About half of the time our $50,000 premium is cheaper and about half the time their $50,000 premium is cheaper.
Green means QoL Flex Term is lower; Red means the competitor is lower
Data is current as of June 16, 2017.

14. QoL Flex Term policies below $100,000 now available with simple non-medical underwriting!
Read slide
Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.
Standard non-tobacco and Standard tobacco rates classes available. No table ratings available for this band. Our underwriting team renders a decision based on the submitted application, declaration of Part A and B, supplementary forms, and result of various database sources.
Our underwriting team renders a decision based on the submitted applications, declarations of Part A and B, supplementary forms, and result of various database searches. No table ratings are available for policies in this band.

15. Non-medical Underwriting Qualifications3
NON-MEDICAL REQUIREMENTS
Ages: 20 – 594
Face Amount: $50,000 to $99,999
Total inforce coverage5 with American General Life cannot exceed more than $3,000,000.
Normal height and weight – BMI 18 to 33
No history of a chronic disease or impairment from list below
Treated cholesterol and blood pressure may be acceptable if current readings are in normal ranges: Cholesterol (lass than 240); Blood Pressure 135/85 or less.
Applicants treated for cholesterol or blood pressure will need to provide current readings.
Read slide
Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.

16. Non-medical Underwriting Qualifications
Chronic Illness/Impairment List
Read slide
Quick Ticket—Paramed completed part B
eApp—Agent completed part B
No change to existing eApp process
Paper app—not available
-In the event a paper app is received, it will be triaged by tele-interview company
-If received in house, case manager will reach out to the distributer to guide towards appropriate submission method.
3. This list is representative and is not a guarantee of approval for the policy.

17. Read Slide

18. QoL Flex Term… Cheaper than a Cup of Coffee
These charts are pulled directly from an approved sales idea that you may use for your reference. Against our most direct competitors, for the comparisons listed, you can see that our term premium is cheaper than those in the chart.
Not only is the monthly premium the lowest, our term products also offer very competitive ABR coverages that are included automatically on all of our term policies.

19. QoL Flex Term…
Cheaper Than a Cup of Coffee

20. Read Slide

21. QoL Flex Term…
The ABR term product offering competitive features for an affordable cost
These charts are pulled directly from an approved sales idea that you may use for your reference. Against our most direct competitors, for the comparisons listed, you can see that our term premium is cheaper than those in the chart.
Not only is the monthly premium the lowest, our term products also offer very competitive ABR coverages that are included automatically on all of our term policies.

22. QoL Flex Term… Feature Comparison
Not only is the monthly premium the lowest, our term products also offer very competitive ABR coverages that are included automatically on all of our term policies.
This chart breaks down the ABR differences, term durations, issue ages, and conversion credits between the direct competitors that we just compared premium with on the previous slide.

23. Read Slide

24. QoL Flex Term… Dave, 45 year old, rated PPNT Has a wife and 3 children
Offers the ability to pay for just what is needed
Dave, 45 year old, rated PPNT
Has a wife and 3 children
Has 17 years remaining on a $500,000 mortgage
Read Slide
With QoL Flex Term, Dave can purchase a $500,000 policy for 17 years. To provide coverage for that duration with other carriers, Dave will have to purchase a 20-year policy

25. QoL Flex Term… Offers the ability to pay for just what is needed
Read Slide

26. QoL Advantage
Read Slide

27. QoL Advantage
Offers banding discounts as well as the ability to waive the policy fee on the associated term policies.
Applies to purchasing multiple term policies or a UL policy with associated term policies.
Banding is a volume discount for the multiple policies.
The total face amount between all policies is considered in the banding.
The higher the total face amount, the lower the per unit of insurance for the client.
Read Slide

28. QoL Advantage Band 2: $250,000-$499,999 Band 3: $500,000-$999,999
QoL Advantage Banding
Band 2:
$250,000-$499,999
Band 3:
$500,000-$999,999
Band 4:
$1,000,000 and up
Read Slide

29. QoL Advantage The annual policy fee is $75
Policy Fees
The annual policy fee is $75
If QoL Flex Term is purchased with an additional QoL Product(s), the policy fee for the associated term policy(ies) will be waived.
The following represents the scenario where the policy fee is waived:
If the insured is the same as qualifying insured, with the same application date and is billed (ABC) to the same person, then the policy fee is $0.
Read Slide

30. QoL Flex Term Advantage
Features no longer available
Different insured
Policies written at a future date
The option to allocate Flex Term coverage
Universal Life additional interest crediting
Associated UL policy discounts
Read Slide

31. Term for Need Based Selling
QoL Advantage
Read Slide
Term for Need Based Selling

32. QoL Advantage
Laddering
Build YOUR life insurance on YOUR terms. With QoL Advantage you choose the exact amount and period of coverage you need. Not only does QoL Advantage let you customize your loved ones’ coverage, it can help you save money on premiums with laddering.
What is Laddering?
Laddering means you buy multiple smaller policies that custom tailor your needs rather than one large policy.
Read Slide
Clients should consult a financial professional to determine if the laddering technique is appropriate for their situation.

33. QoL Advantage Step 1: Identify your needs
Laddering—How it Works
Step 1: Identify your needs
Step 2: Determine how long you need coverage
Step 3: Determine the amount of those needs
Step 4: Buy multiple policies that match your needs exactly instead of a larger policy
Read Slide
By laddering your policies, you can purchase the right amount of coverage in a cost-effective way.
Clients should consult a financial professional to determine if the laddering technique is appropriate for their situation.

34. QoL Advantage
Laddering—See It In Action
Larry, age 39, has two children ages 5 and 8. His goals are to purchase life insurance to provide for his family in the following situations:
$250,000 of coverage on himself until his youngest child reaches age 21
$500,000 of coverage until retirement at age 62 to protect his family’s income needs
$250,000 of coverage to pay off his mortgage, which has 27 years remaining
Read Slide
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work.

35. Initial annual savings:
QoL Advantage
Laddering—See It In Action
Larry could buy a single $1 million policy, but the closest term period offered by other companies would be 30 years.
$1 million 30 year QoL Flex Term = $1,345 annual
Purpose
With QoL Advantage
16 Year
250k DB
Youngest Child Reaches Age 21
$147.50
23 Year
500k DB
To Retirement
$480
27 Year
Mortgage Protection
$367.50
Total
$995
Initial annual savings:
$350
Read Slide
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work.
Male, age 39, Preferred Non-Tobacco

36. $12,992.50 Savings! QoL Advantage
Laddering—See It In Action
Even if Larry canceled his 30 year term policy after his total 27 year needs had expired:
Premiums paid into $1 million policy:
$36,315
$12,992.50
Savings!
Read Slide
Minus
Total premiums paid into 3 term policies:
$23,322.50
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work.

37. Read Slide
Questions

38. Important Information
Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers ICC , ICC , ICC , ICC , 82012, 82410, 88390, ICC , 14306, ICC , ICC , ICC , ICC , ICC , ICC , ICC Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. 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. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. This information is general in nature, may be subject to change, and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. 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 individual circumstances, consult a professional attorney, tax advisor or accountant. Please visit for important disclosures regarding accelerated benefit riders. © AIG All rights reserved AGLC110682
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