1. Quality of Life…Insurance AIG Partners Group Product Overview
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Policies issued by American General Life Insurance Company ("AGL“), Houston, TX, Member of American International Group, Inc. (AIG)

2. The company, its distributors and 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. Clients should consult their attorney, tax advisor or accountant regarding their particular situation.
This is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/ provisions as described may vary due to such law. All products are subject to the policy terms, conditions, limitations, reductions, exclusions and termination provisions. If any conflict exists between this document and the policy, the policy shall govern in all cases. Please see policy and certificate for details.
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3. QoL Product Portfolio Overview
Death Benefit
Protection
Cash Value
Accumulation
Competitive products with living benefits
Competitive cash value accumulation and income distribution potential in target market ages 35-55
Proprietary Volatility Control Index options that helps stabilize returns
Persistency bonus credited from year 6 that can further boost cash value and income
QoL Max Accumulator+
Competitive premiums to carry in target market ages 40-70
Guarantee to life expectancy – generally age 85 up to age 100
Attractive cash value growth with downside protection from volatility control index options and persistency bonus starting as early as year 6
QoL Value+ Protector
Competitive guarantee premiums in target market of age 55+, most competitive guarantee to age
Built-in ROP in year 20 and 25 with no additional cost
Guaranteed cash value accumulated in the policy
QoL Guarantee Plus GUL II
Competitive premiums and living benefit riders
Innovative design that is truly customizable - multiple durations to meet your clients’ exact insurance needs
Attractive conversion provisions with conversion credits for certain years
QoL Flex Term
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4. Quality of Life…Insurance SelectChoice II
Accelerated Benefit Riders
The Quality of Life…Insurance SelectChoice II Accelerated Benefit Riders provide an attractive value to your clients and prospects by helping to ensure they have access to their policy death benefit in the event of a chronic, critical, or terminal illness.
Lets take a look at the details of these accelerated benefit riders.
Policies issued by American General Life Insurance Company ("AGL“)

5. Value of Living Benefits
Help cover cost of care for chronic, critical, or terminal illness
Provide peace of mind during a difficult time
Help maintain quality of life
On ALL Quality of Life… Insurance Products
NO ADDITIONAL PREMIUM COST
Living benefits are quite valuable and an important aspect in today’s financial planning. Not having the proper coverage in place to help protect against the unknown can derail even the most sound financial plans.
Living benefits will help cover the cost of care for chronic, critical, or terminal illnesses.
They provide peace of mind to your clients during a difficult time. Knowing they can accelerate a portion of their life insurance policy’s death benefit can help ease the financial burden caused by these unexpected illnesses or conditions.
It will also help your clients maintain their quality of life.
The Accelerated Benefit Riders are included automatically on all Quality of Life…Insurance products.
The best part is that these valuable benefits are provided on the policy at no additional premium cost to the client.

6. Accelerated Benefit Rider Details
Accelerate 100% of death benefit, up to $2 million, for a qualifying chronic, critical, or terminal illness
Total accelerated death benefit across all QoL policies may not exceed $2 million
Provide a discounted benefit depending on severity of the condition and the expected impact on life expectancy
More severe the expected impact on life expectancy, greater the accelerated amount
Death benefit will be reduced by the death benefit allocated to the benefit claimed
Includes GUARANTEED MINIMUM benefit payout
Percentage of death benefit based off policy year at time of claim
Indemnity Benefit—No receipts required; spend benefits on anything
No underwriting restrictions!
These riders allow the client to accelerate 100% of their death benefit, up to $2 million, for a qualifying chronic, critical, or terminal illness.
The total accelerated death benefit across all QoL policies may not exceed $2 million. This means, if the client has multiple QoL policies, they have a total of $2M to accelerate across all their policies.
The riders provide a discounted benefit to your client depending on the severity of the condition and the expected impact it has on their remaining life expectancy. Because they are receiving a portion of their death benefit early, the actual amount they receive is discounted to account for the early acceleration. The more severe the expected impact on life expectancy, the greater the accelerated amount they receive may be. The policy’s death benefit will be reduced by the death benefit allocated to the benefit claimed.
The client is able to choose the amount of death benefit they wish to accelerate. They may accelerate the entire death benefit, or they can accelerate a portion of the death benefit (leaving some intact) on a go-forward basis. Keep in mind that if the client accelerates less than full death benefit amount, the policy costs will also be adjusted to reflect the new, lower death benefit.
The riders include a guaranteed minimum benefit payout for the chronic, critical, and terminal illness conditions. The guaranteed minimums are a percentage of the policy’s death benefit and are based off the policy year at the time a claim is made.
The SelectChoice II accelerated benefit riders are an indemnity type of benefit. That means the client does not have to provide receipts to receive the acceleration or wait to be reimbursed for their medical expenses. In fact, they can spend the benefit payout on whatever they see fit.
There are also no underwriting restrictions with the QoL Accelerated benefit riders. As long as the client qualifies for the policy, they automatically receive these benefits!

7. Chronic Illness An illness or physical condition that:
Certified in the last 12 months by a licensed health care practitioner
AND
Affects the insured so that he or she is unable to perform at least 2 activities of daily living without substantial assistance OR
Requires substantial supervision by another person to protect themselves from threats to health and safety due to severe cognitive impairment
No Permanency Requirement!
ACTIVITIES OF DAILY LIVING
BATHING
EATING
DRESSING
TOILETING
TRANSFERRING
CONTINENCE
Lets take a look at the chronic illness benefit. A chronic illness is defined as:
An illness or physical condition that:
Is certified in the last 12 months by a licensed health care practitioner
AND
Affects the insured so that he or she is unable to perform without substantial assistance at least 2 activities of daily living OR
Requires substantial supervision by another person to protect themselves from threats to health and safety due to sever cognitive impairment.
The activities of daily living are: Bathing, eating, dressing, toileting, transferring, and continence.
Finally, there is no permanency requirement for the chronic illness benefit. That means the insured’s chronic illness is no longer required to remain permanent in order to receive the acceleration. They can now be expected to recover from the condition and still receive the benefit as long as they meet the other criteria.
*Claim must be certified by a US physician practicing in the state where the physician is licensed. A claim certified by a U.S. licensed physician practicing abroad is not acceptable.

8. Critical Illness An illness or physical condition that:
QUALIFYING CRITICAL ILLNESSES
MAJOR HEART ATTACK
STROKE
CORONARY ARTERY BYPASS
INVASIVE CANCER
BLOOD CANCERS
END STAGE RENAL FAILURE
MAJOR ORGAN TRANSPLANT
PARALYSIS
COMA
SEVERE BURN
Insured is diagnosed by a physician within 365 days of date claim is received
Is diagnosed by a physician* after insured’s coverage has been in force for 30 consecutive days (90 for invasive cancer)
Is not an occurrence of the same illness or condition that an acceleration has already been paid
Next lets take a look at the critical illness benefit. A critical illness is defined as:
An illness or physical condition that:
The insured is diagnosed with by a physician within 365 days of the date the claim is received by the company.
Is diagnosed by a physician after the insured’s coverage has been in force for 30 consecutive days (or 90 consecutive days if the condition is invasive cancer).
And, is not an occurrence of the same illness or condition that an acceleration has already been paid under this rider. . We pay one time per critical illness. Remember, it is up to the client how much of their policy death benefit they accelerate. So, if they have a qualifying critical illness and don’t accelerate the full death benefit amount and later have a different qualifying critical illness they can accelerate from their policy death benefit again.
You can see on the screen the list of qualifying critical illness for the death benefit acceleration.
*Claim must be certified by a US physician practicing in the state where the physician is licensed. A claim certified by a U.S. licensed physician practicing abroad is not acceptable.

9. Terminal Illness An illness or physical condition that:
Is certified by a physician* to be reasonably expected to result in the insured’s death within 24 months from the date of the diagnosis
The final portion of the accelerated benefit riders covers terminal illness. Terminal illness is defined as:
An illness or physical condition that:
Is certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of diagnosis
*Claim must be certified by a US physician practicing in the state where the physician is licensed. A claim certified by a U.S. licensed physician practicing abroad is not acceptable.

10. Accelerated Access Solution (AAS)
Additional Chronic Illness Coverage
The Accelerated Access Solution (AAS) rider provides valuable protection for your clients if they are diagnosed as chronically ill.
Lets take a look at how the rider works.

11. Accelerated Access Solution Details
What is it?
-Paid chronic illness rider
-Available on certain permanent policies
How does it work?
-Dollar-for-dollar acceleration
-Client always knows the benefit amount
How much?
-Accelerate 100% of death benefit
-$3 million maximum
Underwriting details
-Table D max UW class
-Not available with a flat extra.
First, this is an additional, paid chronic illness benefit that is available on certain permanent policies.
AAS provides a dollar-for-dollar acceleration which means the client always knows the benefit amount they are going to receive if they are diagnosed with a chronic illness.
The rider allows the client to accelerate 100% of their death benefit, up to $3 million.
Finally, the rider is available for clients rated Table D or better and is not available with a flat extra.
**Flat extra is an additional UW rating that can be applied to any rate classification. If it is assessed against a client they are not able to buy the AAS rider.

12. Accelerated Access Solution (AAS)
101(g)
No LTC license necessary
2-out-of-6 ADLs; or Severe Cognitive Impairment
Not expected to be Permanent
Indemnity Benefit
No Receipts
Spend benefits on anything
Flexible Benefit Base
Benefit = 50% up to 100% of Death Benefit
$50,000 minimum up to $3,000,000 maximum
Full waiver of monthly deductions
Let’s look at some of the benefits of the Accelerated Access Solution.
It was filed as a rider under IRC section 101(g). That means that no LTC license is necessary to sell it. Also, it means the definition for acceleration is for the client to be unable to perform 2 out of 6 activities of daily living (ADLS) or suffer from severe cognitive impairment.
The condition also does not need to be expected to be permanent in order to qualify for the death benefit acceleration.
AAS is an Indemnity benefit. That means the client does not have to provide receipts to receive the acceleration or wait to be reimbursed for their medical expenses. In fact, they can spend the benefit payout on whatever they see fit.
The rider provides a flexible benefit base. The client is able to choose all of their death benefit (up to the $3 million maximum) or as little as 50% of their death benefit ($50,000 minimum) to allocate towards the AAS benefit. Any percentage between % can be chosen, but the client must choose when the policy is issued.
Finally, AAS provides a FULL waiver of monthly deductions. With the rider, if the client becomes chronically ill and begins their death benefit acceleration we will waive the full monthly deductions inside of their policy for the entire length of time they are on claim.
It is a full waiver of deductions, even if the client elected a benefit base of less than 100%. 12

13. Accelerated Access Solution (AAS)
Flexible Monthly Benefit
1. IRS Per Diem capped at 2% per month
2. IRS Per Diem capped at 4% per month
3. IRS Per Diem with No Cap!
In addition to choosing how much of the policy death benefit to allocate towards the rider, the client also chooses between one of the 3 monthly benefit options to receive the benefits should they become chronically ill.
The client can choose to receive 2% or 4% of their death benefit per month. These options may also be limited by the IRS Per Diem amount. The IRS caps the amount of monthly benefit the client can receive from these types of riders. So, if they choose either of these 2 options, they will receive the lesser of 2% or 4% of their DB per month or the IRS Per Diem at the time they go on claim.
Or they may choose a unique option, IRS Per Diem with no cap! This payout option is not limited to 2 or 4% of the death benefit. Rather, the client will receive whatever the IRS Per Diem is when they go on claim.
Remember, the client must choose between these 3 payout options at policy issue. We often get asked how to know which payout option to choose. While there is generally no right or wrong answer a general rule of thumb is that for policy death benefits $500k or below, the No Cap Per Diem payout option may be more attractive. On larger face amount policies it could take the IRS Per Diem too long to surpass what the 2 or 4% of the death benefit would be.
IRS caps the maximum per diem limitation excludable from taxable income each year. The 2019 maximum is $370/day or $11,254/month. Subsequent years may be higher. 13

14. Benefits of Accelerated Access Solution
Inflation hedge against future costs
Purchase more than today’s Per Diem limit
Many products won’t allow it
Provides inflation protection with a maximum monthly benefit cap
4% Cap
4% of $300,000 = $12,000 per month
Go on-claim:
in 2018 and collect $10,950 per month
in the future when Per Diem = $15,000 per month and collect $12,000 per month
Per Diem
$300,000 AAS benefit
Maximum monthly benefit: $25,000 per month
For clarification, here are a few more examples.
With Accelerated Access Solution you can actually purchase more than today’s Per Diem limit.
Because we allow you to purchase an aggregate amount and a monthly benefit amount in excess of the current Per Diem, the outcome is very simple. At lower Per Diem amounts you get less per month, but for more months. At higher Per Diem amounts you get more per month, but for fewer months.
Let’s look at another example using a 4% cap. If you purchased a $300,000 Accelerated Access Solution benefit, your maximum monthly benefit would be $12,000. Accelerating $12,000 per month would be able to continue for 25 months ($300,000 ÷ 12 = 25)
If you went on-claim in 2018 you’ wouldn’t receive the entire $12,000 per month. The IRS Per Diem would limit you to $10,950 per month, which would last for 27 months.
And, if you went on claim when the IRS Per Diem was $15,000, American General would limit your monthly benefit to your capped amount of $12,000 per month.
Lastly, if you did not choose a 2% or 4% cap, then your maximum monthly benefit is your total benefit divided by 12. In this example, $300,000 ÷ 12 = $25,000 per month.
Naturally, if the Per Diem amount is less than $25,000 per month, you’ll receive the Per Diem in effect when you began your claim. 14

15. CARE COORDINATION PROGRAM
AGL offers services to help the insured locate and choose a provider through its “Care Coordination Program”.
American General Life has partnered with the nation’s largest administrator of long-term care insurance (Long-Term Care Group, Inc. or LTCG™), to arrange the long-term care services at no cost to policyholders. This free benefit, called the “Care Coordination Program”, is completely optional and available on all policies with the Accelerated Access Solution chronic illness rider.
AGL offers services to help the insured locate and choose a provider through its Care Coordination Program.
American General Life has partnered with the nation’s largest administrator of long-term care insurance (Long-Term Care Group, Inc. or LTCG) to arrange the long-term care services at no cost to policyholders.
This free benefit called the Care Coordination Program, is completely optional and available on all policies with the Accelerated Access Solution chronic illness rider. 15

16. CARE COORDINATION PROGRAM
This program offers access to Care Management professionals that can provide information to support a search for a caregiver or facility that is right for each family’s situation as well as assistance to:
locate a qualified caregiver, long term care facility or home-delivered meals provider
develop a plan of care to ensure all your needs are met
direct you to organizations with expertise in your disabling condition
set up your first home care visit
understand the steps involved in moving into a long term care facility
help you understand the cost of long term care and how you will be billed for the services you receive
This program offers access to Care Management professionals that can provide information to support a search for a caregiver or facility that is right for each family’s situation as well as assistance to:
-locate a qualified caregiver, long term care facility or home delivered meals provider
-develop a plan of care to ensure all your needs are met
-direct you to organizations with expertise in your disabling condition
-set up your first home care visit
-understand the steps involved in moving into a long-term care facility
-help you understand the cost of long term care and how you will be billed for the services you receive 16

17. QoL Max Accumulator+ Cash Value Accumulation IUL
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18. Read Slide

19. Read Slide
1 Policy must comply with IRS requirements to qualify as a life insurance contract. Total premiums in the policy cannot exceed funding limitations under IRC Withdrawals during the first 15 years of the contract may be treated as income first and includible in policyholder’s income. If the policy is classified as a modified endowment contract (see IRC 7702A),withdrawals or loans are subject to regular income tax and an additional 10% tax penalty may apply if taken prior to age 59 ½. Distributions will reduce policy values and may reduce benefits. Availability of policy loans and withdrawals depend on multiple factors including but not limited to policy terms and conditions, performance, and fees or expenses.

20. Read Slide

21. Read Slide
2 Non-medical underwriting means that no in-person paramedical examination will be required of an insurance applicant

22. Non-Medical UW Overview
QoL Max Accumulator+ key non-medical underwriting guidelines1:
Ages 0-50
Face Amounts $50,000-$499,999
No lab tests, physical exam or APS required for proposed insured
Up to Preferred Plus underwriting classes available2
If amount applied for on a new application plus any coverage issued within the last 12 months is equal to or greater than $500,000, the new application for coverage will not be eligible for nonmedical underwriting review. The new application for coverage will be reviewed through full underwriting at the applied-for amount.3
Total inforce coverage consideration includes QoL Advantage program scenarios where a combination of QoL Flex Term and QoL UL policies are purchased.
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For full details on the non-medical underwriting criteria see our Non-Medical Underwriting Guidelines (AGLC110667)
Our underwriting team renders a decision based on the submitted applications, declarations of Part A and B, supplementary forms, and result s of various database searches. Substandard classes are only available through Table E. Note that Table A and B are included in the standard rate class. Table C, D, E are included in the Table D rate class.
Face amount is based on the total amount of coverage issued and placed in-force by AGL within the past 12 months.

23. Non-Medical UW Overview
To speed your cycle time from submission to commission, our electronic submission platform, iGO e-application can be used for any QoL Max Accumulator+ application. Traditional paper processing for non-medical applications will also be accepted.
Compensation and performance are identical to the fully underwritten product, with a simpler, faster path to coverage using streamlined underwriting.
Offers the same pricing as “fully underwritten” product for the same classes
Same state availability
Chronic Illness Rider (Accelerated Access Solution) still available
QoL MAX ACCUMULATOR+
Read Slide
For full details on the non-medical underwriting criteria see our Non-Medical Underwriting Guidelines (AGLC110667)

24. Index Interest Strategies
Type
Strategy Name
Index Utilized
Guaranteed Interest
Current/ Cap Rate
Current Account Value Enhancement1
Current Non-Guaranteed Illustrative Rate
Par
Blend
ML Strategic Balanced Index2 0%
100%
0.65%
7.48%
Global Blend
PIMCO Global Optima Index2 NA
80%
0.30%
7.65%
Cap
High Bonus
S&P 500 Index
0.25%
10%
0.75%
6.19%
High Cap
13%
7.39%
Read Slide
Rates current as of 3/29/2019 and subject to change.
Available only from policy years 6+
It is important to note that volatility control measures may help to limit the impact of market downturns; however these measures can also limit the impact of positive market performance. An IUL is not an investment; it is a life insurance product that provides growth potential through index interest crediting. You cannot invest directly in an index.

25. ML Strategic Balanced Index® Dynamically blending equity and fixed income indices designed to provide stability with upside growth potential
What You Should Know About the S&P 500 and ML Strategic Balanced Index
The S&P 500® Index includes 500 of the largest companies in the U.S. market. It is widely regarded as the standard for measuring U.S. stock market performance. The Merrill Lynch 10-Year Treasury Futures (Total Return) Index tracks the performance of a portfolio of near maturity 10-year U.S. Treasury futures contracts. It is representative of the fixed income market.
The ML Strategic Balanced Index is a hybrid index that diversifies across multiple asset classes. It seeks growth and volatility control by dynamically allocating to equity, fixed income and cash. Account options that use the ML Strategic Balanced Index may benefit from a higher, more consistent level of earned interest.

26. Equity and fixed income weightings are rebalanced every six months.
Rules-based Indexing
A dynamic, two-step allocation process
1. STRATEGIC ALLOCATION
Equity and fixed income weightings are rebalanced every six months.
2. DAILY VOLATILITY MGMT
Cash positions are adjusted daily to maintain volatility at a target level of 6%.
The ML Strategic Balanced Index® employs quantitative rules based on market volatility to adjust exposures between the S&P 500® Index (without dividends) and the Merrill Lynch 10-Year Treasury Futures (Total Return) Index. This rules-based process helps to eliminate the negative impact that emotions may have on allocation decisions, making the process objective and transparent.
Equity and fixed income allocations are rebalanced semiannually based on the historical volatility of the underlying indices. Volatility is also monitored on a daily basis, and allocations may be shifted to cash when short-term volatility rises above 6%. The Index seeks to maintain volatility at this level to help balance risk and return.
Volatility Control measures seek to provide smoother results and mitigate sharp market fluctuations. While this type of strategy can lessen the impact of market downturns, it is important to note that it will also lessen the impact of market upturns, therefore limiting upside potential.

27. The value of a dynamic rules-based approach
Stable performance over the past 20 years
Annual returns for the ML Strategic Balanced Index® and the S&P 500® Index from
S&P 500® Index
ML Strategic Balanced Index®
ANNUAL RETURN
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Note: Past performance is not a guarantee of future results. The ML Strategic Balanced Index was created on August 12, Levels for the Index before August 12, 2014 represent hypothetical data determined by retroactive application of a back tested model, itself designed with the benefit of hindsight. The above hypothetical chart only reflects the performance of the ML Strategic Balanced Index. It does not reflect the amount of interest credited to an index annuity or index life product during this time. Actual results for a specific insurance contract would depend on the crediting strategy chosen and the spread or participation rate for the time period(s) shown.

28. I now want to provide you some details into the PIMCO Global Optima Index. The index dynamically blends global equity and U.S. fixed income markets to help deliver upside growth potential.

29. Why PIMCO Global Optima Index™?
The index may capture upside potential in Bull Markets and help protect against downside risk in Bear Markets. Annual Index Returns,
Note: Past performance is not indicative of future results. Hypothetical example for illustrative purposes only. Source: PIMCO and Bloomberg. MLSB is the ML Strategic Balanced Index. MLSB was created on August 12, The PIMCO Global Optima Index™ was created on October 9, Returns for these indices before their inception dates represent hypothetical data determined by retroactive application of a back-tested model, itself designed with the benefit of hindsight. The above hypothetical chart is intended only to show the hypothetical growth of the PIMCO Global Optima Index™, MLSB and the S&P 500® Index from 12/31/00 to 8/31/17. It does not reflect the amount of interest credited to an index annuity during this time. Actual results for a specific insurance contract would depend on the crediting strategy chosen and the spread or participation rate for the time period(s) shown.
The PIMCO Global Optima Index™ offers the potential for a higher equity weighting to help generate greater returns, on average, than indices with lower volatility targets.
The Index is constructed to help manage risk with its flexible allocations to fixed income and cash. As the table highlights, the Index would have generated returns that were less volatile than the S&P 500® over the last 16 years, while still participating in a significant portion of the gains. Past performance is not a guarantee of future results.

30. 1. Upside Growth Potential
A 2-Step Quantitative Approach to Help Boost Returns
Combine global diversification with active risk management
Note: The Index is diversified across the following constituents: U.S. large-cap stocks (SPDR® S&P 500® ETF); U.S. midcap stocks (SPDR® S&P® Mid-Cap 400 ETF); U.S. small-cap stocks (Russell 2000 Index); international stocks (MSCI EAFE); emerging market stocks (MSCI Emerging Markets Index); and U.S. bonds (iShares Core U.S. Aggregate Bond ETF). All equity indices are total return indices, including dividends. Indices are unmanaged and not available for direct investment.
PIMCO Global Optima Index uses a 2 step-quantitative approach to help boost returns. Global diversification is combined with active risk management. The equity weightings are rebalanced every month based on market capitalization, momentum and value to help capture returns.
Allocations between global equities and U.S. bonds are adjusted daily to help maintain a target volatility of 7.5%. Cash may be added during periods of extreme volatility.
The PIMCO Global Optima Index diversifies equity allocations across U.S. large-, mid-, and small-cap, international and emerging markets stocks using key trading signals and quantitative insights. These preset rules do not change in response to market or economic conditions. As a result, allocation decisions are not impacted by emotions, making the process objective, consistent, and transparent.

31. 3. Allocation Flexibility
Historical Index Weights – Trailing 15 Years (month-end allocations, May)
Equity
Bond
Cash
Note: Past performance is not indicative of future results. The PIMCO Global Optima Index™ was created on October 9, Equity allocations for the Index before October 9, 2017 represent hypothetical data determined by retroactive application of a back-tested model, itself designed with the benefit of hindsight. The above hypothetical chart is intended only to show the equity allocations of the PIMCO Global Optima Index.™
The PIMCO Global Optima Index™ May Shift Allocations Daily to Help Generate Returns or Reduce Risk
The Index examines market behavior and volatility on a daily basis to determine what is believed to be an optimal allocation between equities and fixed income to provide upside potential while seeking to maintain a target volatility level of 7.5%. To help optimize returns in up markets, the Index may increase its equity allocation to as high as 100%. During periods of extremely high volatility, the Index may move some or all of its allocation to cash.
The Index’s equity allocation has averaged 58% since If it had existed since December 2000, the Index would have spent 1,187 days with an equity allocation above 70% and over 500 days with an equity allocation above 90%!

32. Available Loan Types* LOAN TYPE DETAILS INTEREST CREDITED
INTEREST CHARGED
STANDARD
Available in any policy year, as long as there is positive cash surrender value
Fixed
Non-participating
2% interest
Known in advance
3% rate
PREFERRED
Available in years 11+
Limited to 10% of the accumulation value at the beginning of the policy year
2% rate
PARTICIPATING
Index Interest
Participating
Declared
5% rate (can be changed after policy issue)
Review loan rates. Discuss AG 49 implications.
*Policy loans and withdrawals may be taxable and may decrease the face amount or value of the policy.

33. For Beneficiaries
Flexible income for family or business if your client dies too soon.
The tax-free death benefit can help ensure that their family or business lives on with a lump sum benefit payment.
Another option the insured can choose for their beneficiaries is the optional Select Income rider.
Another option the insured can choose for their beneficiaries is the optional Select Income rider.
Rider availability may vary by state.

34. Select Income Rider No cost rider
Potentially increases policy’s funds available to access by policy owner
Helps beneficiaries manage ongoing expenses
Optional rider converts a portion or all of the life insurance benefit for beneficiaries to a predefined guaranteed set of annual payments
Minimum percentage of life insurance benefit available to convert is 10% (up to 100%)
No cost rider
Potentially increases policy’s funds available to access by policy owner
Helps beneficiaries manage ongoing expenses
Optional rider converts a portion or all of the life insurance benefit for beneficiaries to a predefined guaranteed set of annual payments
Minimum percentage of life insurance benefit available to convert is 10% (up to 100%)
Whatever has higher COIs will typically see better results with SIR. So males should typically see a bigger impact than females, older ages, worse risk classes, etc.
Rider availability may vary by state.

35. Select Income Rider Only available at issue
Once selected at issue, the installment payment period is irrevocable for the beneficiary
May lower the policy’s costs of insurance charges, which may enable cash value to accumulate faster
Income or withdrawal amounts may increase by 2-5% on average, compared to what those would be without the rider
Only available at issue
Once selected at issue, the installment payment period is irrevocable for the beneficiary.
May lower the policy’s cost of insurance charges, which may enable cash value to accumulate faster
Income or withdrawal amounts may increase by 2-5% on average compared to what it would be without the rider
Whatever has higher COIs will typically see better results with SIR. So males should typically see a bigger impact than females, older ages, worse risk classes, etc.
Rider availability may vary by state.

36. Select Income Rider
Schedule of life insurance payments will be determined at issue
You can choose payment durations to beneficiaries of 10, 20, and 30 years
Benefit schedule will be based on the initial face amount of the policy at issue
Life insurance benefit payments will increase annually at a rate set at issue (1.01%)
Schedule of life insurance benefit payments will be determined at issue
You can choose payment durations to beneficiaries of 10, 20, and 30 years
Benefit schedule will be based on the initial face amount of the policy at issue
Life insurance benefit payments will increase annually at a rate set at issue (1.01%)
The DB for the Net Amount at Risk is the PV (DB Installments) rather than the full DB.
The discount to the face amount is a tabular lookup.
If the policy owner funds the policy more than the corridor, and if the discount rate is more than the corridor factor, the policy could have zero COIs.
The percentage of the life insurance benefit selected to be paid in installments will be adjusted pro rata throughout the life of the policy by comparing the initial face amount to the life insurance benefit at death.
Rider availability may vary by state.

37. Select Income Rider Payout Example
Period
Payout 1
$100,000 2
$101,010 3
$102,030 4
$103,061 5
$104,102 6
$105,153 7
$106,215 8
$107,288 9
$108,371 10
$109,466
Total Payout:
$1,046,696
Minimum installment amount: $10,000
Interest amount above the base death benefit is taxable income to the beneficiary
Read Slide
Hypothetical representation for illustrative purposes only.
Rider availability may vary by state.

38. Select Income Rider Examples
Read Slide
Hypothetical representation for illustrative purposes only.
Rider availability may vary by state.

39. Income for Life Rider What’s better than Income for Life?
Tax-free Income for Life!
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Tax Free Income For Life!

40. Income for Life Rider
With the Income for Life Rider, the cash values can be used to produce a guaranteed stream of lifetime income with optional annual cost of living adjustments.
There is no additional cost to add this rider to the policy – only a one time charge deducted from the account value when you activate this feature.
Income is not guaranteed until the rider is activated. The one time charge and annuity factor rates can be repriced by the company before activation.
With the Income for Life rider, the cash values can be used to produce a guaranteed stream of lifetime income with optional annual cost-of-living adjustments.
There is no additional cost to add this rider to the policy, only a one-time charge deducted from the account value when you activate this feature.
Income is not guaranteed until the rider is activated. The one-time charge and annuity factor rates can be re-priced by the company before activation.
Rider availability may vary by state.

41. Income for Life Rider
After activating this feature, the guaranteed income stream will continue for the policy holder’s lifetime and never decrease – even if the market experiences a significant drop – and the policy will retain a life insurance benefit.
Plus, with a built-in “step-up” feature, the income amount may increase if the market does well. On each policy anniversary, the step-up feature recalculates the income stream if the underlying account value exceeds the current target performance.
The choice on whether or not to activate this feature is up to the policy holder.
After activating this feature, the guaranteed income stream will continue for the policy holder’s lifetime and never decrease—even if the market experiences a significant drop—and the policy will retain a life insurance benefit.
Plus with a built-in “step-up” feature, the income amount may increase if the market does well.  On each policy anniversary, the step-up feature recalculates the income stream if the underlying account value exceeds the current target performance.
The choice on whether or not to activate this feature is up to the policy holder.
Rider availability may vary by state.

42. Income for Life Rider Issue ages: 0-75 Waiting period: Ten years
Must be no younger than 55 and no older than 85 at time of election
Automatically included
Income stream: Guaranteed income stream (similar to an annuity payout)
Fixed loans after withdrawals to basis
Optional annual cost of living adjustment (COLA): 0%, 1%, 2% or 3%
Issue Ages: 0-75
Waiting period: 10 years
Be no younger than 55 and no older than 85 at time of election
Automatically included
Income stream: Guaranteed income stream (similar to an annuity payout)Fixed Loans after withdrawals to basis
Optional annual Cost of Living Adjustment (COLA): 0%, 1%, 2%, or 3% options
Face amount of base policy: never be reduced below $15,000
Step up: guaranteed lifetime income amount can increase if index performance exceeds a certain level (5.99%)
Step up excludes any account value enhancements or interest bonuses in effect on the base policy or interest credited on the loan balance.
Only available with GPT
Upon election of rider DB switched to Level
Payments can be paid monthly, quarterly, semi-annually or annually
One time charge assessed at time of activation
This is based on the insured’s issue age, face amount band, UW class, policy duration at time of election, and gender.
The charge is essentially to cover the cost of the excess mortality over the annuity payout.
Annuity factor is used to determine the payout which will vary based on age, face band, UW class, and policy duration at time of calculation. The annuity factor table also varies by the interest rate increase expected (COLA election amount)
After the rider is in effect, the rider may be terminated at any time The base policy will continue thereafter under ordinary policy administration.
Must not have received any accelerated benefits such as from thee AAS rider.
All rider terminated upon election except for the following:
Income for Life Rider
Select Income Rider
Overloan Protection Rider
Index Riders
All policy loans must be paid off in full at the date of election
While in effect no further premiums can be paid into the rider.
Have no less than $25,000 in cash surrender value in the policy at the time of election.
No accelerated benefits must be paid out prior to exercise.
No policy changes (no additional premiums/withdrawals/loans, face changes, DB option changes, etc.) can be made after rider election or else it terminates the rider.
Rider availability may vary by state.

43. Income for Life Rider Upon election of rider, DB switched to Level
Payments can be paid monthly, quarterly, semi-annually or annually
One time charge assessed at time of activation
No accelerated benefits must be paid out prior to exercise
No policy changes (no additional premiums/withdrawals/loans, face changes, DB option changes, etc.) can be made after rider election, or the rider will be terminated.
Riders such as AAS and QoL ABRs are dropped when Income for Life Rider is activated.
Issue Ages: 0-75
Waiting period: 10 years
Be no younger than 55 and no older than 85 at time of election
Automatically included
Income stream: Guaranteed income stream (similar to an annuity payout)Fixed Loans after withdrawals to basis
Optional annual Cost of Living Adjustment (COLA): 0%, 1%, 2%, or 3% options
Face amount of base policy: never be reduced below $15,000
Step up: guaranteed lifetime income amount can increase if index performance exceeds a certain level (5.99%)
Step up excludes any account value enhancements or interest bonuses in effect on the base policy or interest credited on the loan balance.
Only available with GPT
Upon election of rider DB switched to Level
Payments can be paid monthly, quarterly, semi-annually or annually
One time charge assessed at time of activation
This is based on the insured’s issue age, face amount band, UW class, policy duration at time of election, and gender.
The charge is essentially to cover the cost of the excess mortality over the annuity payout.
Annuity factor is used to determine the payout which will vary based on age, face band, UW class, and policy duration at time of calculation. The annuity factor table also varies by the interest rate increase expected (COLA election amount)
After the rider is in effect, the rider may be terminated at any time The base policy will continue thereafter under ordinary policy administration.
Must not have received any accelerated benefits such as from thee AAS rider.
All rider terminated upon election except for the following:
Income for Life Rider
Select Income Rider
Overloan Protection Rider
Index Riders
All policy loans must be paid off in full at the date of election
While in effect no further premiums can be paid into the rider.
Have no less than $25,000 in cash surrender value in the policy at the time of election.
No accelerated benefits must be paid out prior to exercise.
No policy changes (no additional premiums/withdrawals/loans, face changes, DB option changes, etc.) can be made after rider election or else it terminates the rider.
Rider availability may vary by state.

44. Dollar Cost Averaging Rider
Read directly from slide
Tax Free Income For Life!

45. How It Works
Allows for allocating lump sum payments (both 1035s and non-1035s) to index interest accounts over a number of months, instead of all at once.
Premiums allocated to DCA will be transferred into the Index Interest Accounts in level installments over future Allocation Days (monthly)
Helps ensure a large portion of policy’s accumulation value would likely not be subject to market movements of only one date, thereby minimizing the risk of being affected by extreme drops or rises on a single date.
DCA allows for allocating lump sum payments, both 1035s and non-1035s, to index interest accounts over a number of months, instead of all at once.
Premiums allocated to DCA will be transferred into the index interest accounts in level installments over future allocation days (monthly).
Helps ensure a large portion of the policy’s accumulation value would likely not be subject to market movements of only one date, thereby minimizing the risk of being affected by extreme drops or rises on a single date.

46. No charge, included automatically
Rider Details
No charge, included automatically
Available on: QoL Max Accumulator+, QoL Value+ Protector
Not illustratable in WinFlex
There is no charge for the DCA rider and is included automatically on Max Accumulator+, QoL Max Accumulator+, Value+ Protector, and QoL Value+ Protector.
The rider is not available in NY and is not illustratable in WinFlex.
Please note that the rider is not available for existing inforce policies.

47. Rider Details
Utilizing the rider will have an affect on the amount of interest the policy earns
Functionality of the rider is dependent upon index performance
There is no guarantee of more or less interest crediting from its use
DCA rider creates and additional account (DCA Account) that will remain on the policy for the life of the contract
Interest is credited daily to money in the DCA account: Current rate = Fixed Account rate, 2% minimum
Premiums allocated to DCA account will be transferred into the Index Interest Accounts according to the client’s pre-selected allocation percentage
Transfers from the DCA Account to a declared interest account are not permitted
Utilizing the rider will have an affect on the amount of interest the policy earns. The functionality of the rider is dependent upon index performance. There is no guarantee of more or less interest crediting from its use.
DCA creates and additional account, the DCA account, that will remain on the policy for the life of the contract.
Interest is credited daily to money in the DCA account. It credits the fixed account rate for each specific product and has a 2% guaranteed minimum interest rate.
Premiums allocated to the DCA account will be transferred into the index interest accounts according to the client’s pre-selected allocation percentage.
Transfers from the DCA account to a declared interest account are not permitted.

48. At any time the policyholder may request:
Additional Information
At any time the policyholder may request:
The remaining DCA balance be allocated to the index interest accounts on the next Allocation Day
A change to the Allocation percentages for the DCA account
A change to the dollar amount of the DCA installment amounts ($100 minimum)
Payments after year one 1035s or non-1035s may also use DCA. We simply need notified when they make the payment they want it deposited into DCA and what number of months they want it transferred out
Interest is applied to DCA account. The final transfer would include the interest that has accrued during the transfer period.
At any time the policyholder may request:
The remaining DCA balance be allocated to the index interest accounts on the next Allocation Day
A change to the Allocation percentages for the DCA account
A change to the dollar amount of the DCA installment amounts ($100 minimum)
Payments after year one 1035s or non-1035s may also use DCA. We simply need notified when they make the payment they want it deposited into DCA and what number of months they want it transferred out
Interest is applied to the DCA account. The final transfer would include the interest that has accrued during the transfer period.

49. IUL Supplemental Application
New DCA section must be completed on supplemental app if they want to use it
There has been a new DCA section added to the IUL supplemental application. It must be completed if the client wishes to use DCA.
Check the box at the top if they wish to use it.
Then, check one or both of the next boxes that apply for 1035 exchange and/or lump sum premiums.
Finally, please designate the number of monthly DCA transfers.
With DCA, the deposited amount will be split into the number of monthly transfers requested. For example, if the deposit is $1,200 and you elect 12 monthly transfers we would move $100 per month for 12 months into the desired index interest accounts. That 12th transfer would also include the interest that had accrued in the DCA account during that 12 month period.

50. DCA Allocation percentages must also be selected.
IUL Supplemental Application
DCA Allocation percentages must also be selected.
NOTE: DCA Allocation percentages may be different than the allocation percentages applicable to regular premium payments.
Additionally, on the IUL Supplemental application, DCA allocation percentages must also be selected. This is referring to how you wish the index strategy allocations to be split for the transfers from the DCA account.
The DCA Allocation percentages may be different than the allocation percentages applicable to regular premium payments.

51. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
QoL Value+ Protector
Death Benefit Focused Index Universal Life
Read Slide
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

52. Read Slide

53. Read Slide

54. Cash Access Options Benchmark Premium:
The Benchmark Premium is a level annual premium which is used to determine the Excess Funding option.
Benchmark Cash Value:
The Minimum Benchmark Cash Value is calculated using a tracking account that applies the same premium and current charges as the policyholder account value with the exception that interest will be credited on the tracking account at a fixed rate. (5.50%)
Benchmark Premium:
The Benchmark Premium is a level annual premium which is used to determine the Excess Funding option.
Benchmark Cash Value:
The Minimum Benchmark Cash Value is calculated using a tracking account that applies the same premium and current charges as the policyholder account value with the exception that interest will be credited on the tracking account at a fixed rate. (5.50%)
These values can be located on the Your Narrative Summary in the illustration

55. Excess Funding
If the client pays premium into their policy to achieve additional tax advantaged growth, they can use this unique liquidity option to withdraw excess premiums in policy year 20 with no decrease in their initial death benefit1, if there is available cash surrender value in the policy. 2,3
If the client pays premium into their policy to achieve additional tax advantaged growth, they can use this unique liquidity option to withdraw excess premiums in policy year 20 with no decrease in their initial death benefit1, if there is available cash surrender value in the policy. 2,3
The total cash withdrawal benefit for all Cash Access Options is limited to the lesser of $100,000 and 10% of the Specified Amount.
1. Option election dates are at the end of the 20th policy for issue ages 0-64 or the later of age 85 or the end of the 5th policy year for issue ages
2. Under current federal tax law, partial withdrawals are reportable to the policy owner, and may be taxable.
3. Limitations apply.

56. Excess Funding Example
At the end of policy year 20 the client can withdraw the difference between the cumulative premium paid into the policy and the cumulative Benchmark Premium.
Annual Premium
Cumulative Premiums End of Policy Year 20
Benchmark Premium
$3,683
$73,660
Hypothetical Premium
$5,000
$100,000
Excess Funding Available
$26,348
Read Slide
Male, Age 45, PNT, $500k DB

57. Strong Index Performance
If values in the policy exceed benchmark assumptions due to strong index performance, the client may withdraw the excess cash value, either in policy year 20 or at age 85—with no decrease in the initial death benefit or length of the death benefit guarantee.1
The cash can be used as desired, or to buy additional paid-up life insurance without further underwriting.2 Must be rated standard or better for this option.
If values in the policy exceed benchmark assumptions due to strong index performance, the client may withdraw the excess cash value, either in policy year 20 or at age 85—with no decrease in the initial death benefit or length of the death benefit guarantee.1
The cash can be used as desired, or to buy additional paid-up life insurance without further underwriting.2 Must be rated standard or better for this option.
The total cash withdrawal benefit for all Cash Access Options is limited to the lesser of $100,000 and 10% of the Specified Amount.
Option election dates are at the end of the 20th policy year (for issue ages 0-64) and the later of age 85 or the end of the 5th policy year (for all issue ages).
Under current federal tax law, partial withdrawals are reportable to the policy owner and may be taxable. Limitations apply.

58. Strong Index Performance Example
Read slide
Male, Age 45, PNT, $500k DB

59. Protected Premium Rider
For policies that will be funded early, for example through a single-pay premium or 1035 exchange Allows client to withdraw funds above cumulative target premium in years 2-5 with no surrender change penalties, to the extent that accumulation value is available.1 The funds are not locked in Must be elected at issue. Additional charge for the rider
For policies that will be funded early, for example through a single-pay premium or 1035 exchange
Allows client to withdraw funds above cumulative target premium in years 2-5 with no surrender change penalties, to the extent that accumulation value is available.1 The funds are not locked in
Must be elected at issue. Additional charge for the rider
Rider availability may vary by state.
1. The target premium is a level annual premium which is intended to carry the policy to or close to maturity on a current (non-guaranteed) assumption basis assuming 1) a 6% illustrated rate and 2) that premiums have been paid on time at the beginning of each policy year.

60. Protected Premium Rider
Read slide
Rider availability may vary by state.

61. Index Interest Strategies
Strategy Name
Index Utilized
Guaranteed Interest
Par/ Cap Rate
Current Account Value Enhancement1
Current Non-Guaranteed Illustrative Rate
Blend
ML Strategic Balanced Index2 0%
90%
0.80%
6.35%
Global Blend
PIMCO Global Optima Index2 NA
65%
6.25%
Cap Rate
S&P 500 Index
9.50%
0.75%
5.88%
Participation Rate
50%
5.76%
Read Slide
Rates current as of 3/29/2019 and subject to change.
Available only from policy years 6+
It is important to note that volatility control measures may help to limit the impact of market downturns; however these measures can also limit the impact of positive market performance. An IUL is not an investment; it is a life insurance product that provides growth potential through index interest crediting. You cannot invest directly in an index.

62. Product Specs Monthly Per $1,000 Expense Charge first 5 years only
Issue Ages 0-85
Minimum DB $50,000
19 Year Surrender Charge Period
Monthly Admin Fee Current $10.00 / Max $10.00
Premium Load
Current charge – 15% years 1-5, 10.5% years 6-10, 8% years 11+
Max charge of 15%
Monthly Per $1,000 Expense Charge first 5 years only
Read slide

63. Select Income Rider Examples
Read Slide
Hypothetical representation for illustrative purposes only.
Rider availability may vary by state.

64. QoL Guarantee Plus GULII
Competitive GUL with post-issue flexibility
Read Slide
Policies issued by American General Life Insurance Company ("AGL“)

65. Male, Age 65, PNT, Guaranteed to 1051
QoL Guarantee Plus GUL II
Flexibility & Choice
Male, Age 65, PNT, Guaranteed to 1051
Face:
$1MM Guaranteed to 1051
Annual Premium:
$22,363
Guaranteed Cash at 85
$113,958
Face:
$500,001 Guaranteed to 1051
Annual Premium:
$16,304
Guaranteed Cash at 85
$63,699
50% Withdrawal at 85:
$69,487
Read Slide
Differentiated Partial Withdrawal Capability Allows You To
Access Cash and Preserve Death Benefit Guarantee
Not an actual case. Presented for illustrative purposes only.
Quote dated 12/17/2018 .
The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000.

66. Guaranteed Return of Premium (ROP)
QoL Guarantee Plus GUL II
Guaranteed Return of Premium (ROP)
Enhanced Surrender Value Rider
If your clients’ needs change or they no longer need coverage, the new Enhanced Surrender Value Rider provides two options for surrendering the policy and recouping paid premiums – 50 percent in year 20 or 100 percent in year 25.
The Enhanced Surrender Value (“ROP”) is capped at 40% of specified face amount; for example, the benefit under a policy with a $1,000,000 specified amount could never be greater than $400,000.
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.

67. QoL Guarantee Plus GUL II
Enhanced Surrender Value Rider (Return of Premium)
Read Slide
Hypothetical information for illustrative purposes only.
RIDER AVAILABILITY MAY VARY BY STATE
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

68. Lifestyle Income Solution: Longevity Insurance
Lifestyle Income Solution (LIS) Rider
Lifestyle Income Solution: Longevity Insurance
Accelerate up to 10% of DB per year
Primary requirement: Live to age 85
Tax-free up to basis; ordinary income after
Read Slide
Choosing to exercise rights under the Lifestyle Income Solution can impact cash available under the Accelerated Access Solution.
Please speak with your American General Life Insurance Company representative for more information.

69. Hypothetical information for illustrative purposes only.
LIS Example
Read Slide
Hypothetical information for illustrative purposes only.

70. QoL Flex Term
Read Slide

71. Invaluable Flexibility
QoL Flex Term Highlights
Invaluable Flexibility
18 term durations – Ability to choose any duration between 10, years, and 35 year level term
Clients can choose the policy duration to match their specific needs
Includes QoL Accelerated Benefit Riders!
Full Convertibility
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
Read Slide
*Conversion credit reduces target premium on new, permanent policy

72. QoL Advantage Laddering Policies to Save Money
Read Slide

73. 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

74. QoL Advantage 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

75. Laddering—See It In Action
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.

76. 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: $1,280 annual
Male, age 39, Preferred Non-Tobacco
PURPOSE
WITH QoL ADVANTAGE
16 Year 250k DB
Youngest Child Reaches Age 21
$142
23 Year 500k DB
To Retirement
$466
27 Year 250k DB
Mortgage Protection
$356
TOTAL $964
Read Slide
Initial Annual Savings:
$316
This hypothetical example is for illustrative purposes only. Not an actual case and intended solely to depict how the product features might work.

77. Total premiums paid into three term policies:
QoL Advantage
LADDERING: SEE IT IN ACTION
Even if Larry cancelled his 30 year term policy after his total 27-year needs had expired:
Premiums paid into
$1 million policy:
$34,560
Total premiums paid into three term policies:
$22,606
$11,954
savings!
Minus
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.

78. Additional Resources
Read Slide

79. POWER UP with IUL
Learn more about bridging from GUL to IUL and all the powerful product solutions available for your clients. Our bite-sized sales strategies and training can help you accelerate your business into the fast lane today! Everything IUL. Visit aig.com/QoLIUL
Read Slide
Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers 15442, ICC15442, 15646, ICC ; Rider Form Numbers 13600, ICC , 82012, 82410, 88390, 15990, ICC , 15972, 13601, ICC and Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. 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.
AGLC © AIG All rights reserved.

80. QoL Master Playbook
Aig.com/QoLMasterPlaybook
Read Slide

81. QoL Training Playbook
Save the web address to ensure you have the most up-to-date information.
PowerPoints and PDFs can be saved at your convenience.
Read SLide

82. Disclosures Applicable to Critical Illness, Chronic Illness, and Terminal Illness Accelerated Death Benefit Riders
(1) When filing a claim for Qualifying Critical Illness under a Critical Illness Accelerated Death Benefit Rider, for Qualifying Chronic Illness under a Chronic Illness Accelerated Death Benefit Rider or for Qualifying Terminal Illness under a Terminal Illness Accelerated Death Benefit Rider, the claimant must provide to the Company a completed claim form and then-current Certification which must be received at its Administrative Center. (2) If a benefit under the Critical Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Critical Illness Accelerated Benefit Amount as to the occurrence of the Qualifying Critical Illness in question. To make such an election, the Owner must complete an election form and return it to AGL within the Election Period set forth in the rider (i.e., within 60 days of the owner’s receipt of the election form). The Company will not provide a later opportunity to elect a Critical Illness Accelerated Benefit Amount under a Policy as to the same occurrence of a Qualifying Critical Illness. (3) If a benefit under the Chronic Illness Accelerated Death Benefit Rider or under the Terminal Illness Accelerated Death Benefit Rider is payable, the Company will provide the Owner with an opportunity to elect a Chronic Illness Accelerated Benefit Amount as to the Qualifying Chronic Illness in question or to elect a Terminal Illness Accelerated Death Benefit Amount as to the Qualifying Terminal Illness in question, as applicable. To make an election, the Owner must complete an election form and return it to AGL within 60 days of the Owner’s receipt of the election form. (4) Under certain circumstances where an insured’s mortality (i.e., our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness or a Qualifying Chronic Illness and, notwithstanding the Minimum Accelerated Benefit Amount provision, the accelerated benefit may be zero. (5) The failure to provide a required election form (with the requested attachments) within the Election Period provided by the applicable rider (i.e., within 60 days of the owner’s receipt of the election form) may preclude payment of a benefit. (6) Benefits payable under an accelerated death benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. (7) Generally, we will send you an IRS Form 1099-LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099-R if you receive an accelerated death benefit on account of a Critical Illness. The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099-LTC or in Box 1 (Gross distribution) of IRS Form 1099-R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance. (8) The maximum amount of life insurance death benefits that may be accelerated as to an Insured Person under all accelerated benefit riders is the lesser of the existing amount of such death benefits or a lifetime maximum of $2,000,000. (9) See your policy for details. Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers 15442, ICC , A,15646, ICC ; Rider Form Numbers 15602, ICC ,15603, ICC , 15604, ICC , 15600, ICC , 15972, 82012, 82410, 88390, 14002, 14306, 07620, 15997, ICC , 15996, 15994, ICC , 15271, ICC , 15274, ICC , 15272, ICC , 15273, ICC , ICC , 15990, Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. 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. © 2016 AIG. All rights reserved. Carriers mentioned in the presentation are peer group competitors of American General Life. Every attempt has been made to verify the accuracy of competitor information included in this presentation. Product information and rates are subject to change at any time.
Read slide

83. An Accelerated Death Benefit Rider (ABR) is not a replacement for Long Term Care Insurance (LTCI).  It is a life insurance benefit that gives you the option to accelerate some of the death benefit in the event the insured meets the criteria for a qualifying event described in the policy.  The rider does not provide long-term care insurance subject to California insurance law, is not a California Partnership for Long-Term Care program policy. The policy is not a Medicare supplement.
ABRs and LTCI provide different types of benefits. An ABR allows the insured to access a portion of the life insurance policy’s death benefit while living. ABR payments are unrestricted and may be used for any purpose. LTCI provides reimbursement for necessary care received due to the inability to perform activities of daily living or cognitive impairment. LTCI coverage may include reimbursement for the cost of a nursing home, assisted living, home health care, homemaker services, adult day care, hospice services or respite care for the primary caretaker and the benefits may be conditioned on certain requirements or meeting an elimination period or limited by type of service, the number of days or a maximum dollar limit.  Some ABRs and all LTCI are conditioned upon the insured not being able to perform two or more of the activities of daily living or being cognitively impaired.
 This ABR pays proceeds that are intended to qualify for favorable tax treatment under section 101(g) of the Federal Internal Revenue Code. The federal, state, or local tax consequences resulting from payment of an ABR will depend on the specific facts and circumstances, and consequently advice and guidance should be obtained from a personal tax advisor prior to the receipt of any payments. ABR payments may affect eligibility for, or amounts of, Medicaid or other benefits provided by federal, state, or local government. Death benefits and policy values, such as cash values, premium payments and cost of insurance charges if applicable, will be reduced if an ABR payment is made.  ABR payments may be limited by the contract or by outstanding policy loans.
Read Slide

84. Read Slide Information about the ML Strategic Balanced Index®
The PIMCO Global Optima IndexTM (the “Index”) is a comprehensive equity and bond index, offering exposure to global equity and U.S. fixed income markets. The Index is a trademark of Pacific Investment Management Company LLC (“PIMCO”) and has been licensed for use for certain purposes by American General Life Insurance Company with select life insurance and annuity products. The Index is the exclusive property of PIMCO and is made and compiled without regard to the needs, including, but not limited to, the suitability or appropriateness needs, as applicable, of the Company, the Product, or owners of the Product. The Product is not sold, sponsored, endorsed or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index. PIMCO does not provide investment advice to the Company with respect to the Product or to owners of the Product.
The ML Strategic Balanced Index® provides systematic, rules-based access to the blended performance of two underlying indices—the S&P 500 (without dividends), which serves to represent equity performance, and the Merrill Lynch 10-year U.S. Treasury Futures Total Return Index, which serves to represent fixed income performance. To help manage overall return volatility, the Index may also systematically utilize cash performance in addition to the performance of the two underlying indices.
The ML Strategic Balanced Index (the “Index”) is the property of Merrill Lynch, Pierce, Fenner & Smith Incorporated, which has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) to calculate and maintain the Index. The Index is not sponsored by S&P Dow Jones Indices or its affiliates or its third party licensors (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices will not be liable for any errors or omissions in calculating the Index. “Calculated by S&P Dow Jones Indices” and the related stylized mark(s) are service marks of S&P Dow Jones Indices and have been licensed for use by Merrill Lynch, Pierce, Fenner & Smith Incorporated. Note that the ML Strategic Balanced Index™ is not available for policies issued in the State of New York.
Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. Neither PIMCO nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally or the Product particularly.
Important Note: The ML Strategic Balanced Index® embeds an annual index cost in the calculations of the change in Index Value over the Index Term. This “embedded index cost” will reduce any change in Index Value over the Index Term that would otherwise have been used in the calculation of index interest, and it funds certain operational and licensing costs for the index. It is not a fee paid by you or received by the Company. The Company’s licensing relationship with Merrill Lynch, Pierce, Fenner & Smith Incorporated for use of the ML Strategic Balanced Index and for use of certain service marks includes the Company’s purchase of financial instruments for purposes of meeting its interest crediting obligations. Some portion of those instruments will, or may be, purchased from Merrill Lynch, Pierce, Fenner & Smith Incorporated or its Affiliates.
PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. PIMCO shall have no responsibility or liability whatsoever with respect to the Product.
Information about the S&P 500® Index
The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by AGL and US Life. Standard & Poor’s ®, S&P® and S&P 500 ® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by AGL and US Life. AGL and US Life’s Max Accumulator+ is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
The Licensed PIMCO Licensed Index is comprised of a number of constituents, some of which are owned by entities other than PIMCO. The Licensed PIMCO Indices rely on a variety of publicly available data and information and licensable equity and fixed income sub-indices. All disclaimers referenced in the Agreement relative to PIMCO also apply separately to those entities that are owners of the constituents of the Licensed PIMCO Indices. The constituents of the Licensed PIMCO Indices include: MSCI Inc., FTSE International Limited, FTSE TMX Global, Debt Capital Markets, Inc., Frank Russell Company and certain ETFs. The Licensee expressly agrees to include the following disclaimer and limited language in connection with the use of the Licensed PIMCO Indices for the Permitted Purposes.
Merrill Lynch, Pierce, Fenner & Smith Incorporated and its affiliates (“BofA Merrill Lynch”) indices and related information, the name “BofA Merrill Lynch”, and related trademarks, are intellectual property licensed from BofA Merrill Lynch, and may not be copied, used, or distributed without BofA Merrill Lynch’s prior written approval. The products of licensee American General Life Insurance Company have not been passed on as to their legality or suitability, and are not regulated, issued, endorsed, sold, guaranteed, or promoted by BofA Merrill Lynch.
Information about the PIMCO Global Optima Index
BOFA MERRILL LYNCH MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, ANY RELATED INFORMATION, ITS TRADEMARKS, OR THE PRODUCT(S) (INCLUDING WITHOUT LIMITATION, ITS QUALITY, ACCURACY,SUITABILITY AND/OR COMPLETENESS).
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Carriers mentioned in the presentation are peer group competitors of American General Life. Every attempt has been made to verify the accuracy of competitor information included in this presentation. Product information and rates are subject to change at any time.
Policies issued by: American General Life Insurance Company (AGL), Houston, TX Policy Form Numbers: 15646, ICC ; Rider Form Numbers: , , 15600, ICC , , 13601, ICC , 82012, 82410, 88390, 14002, ICC , 14306, 07620, 15997, 15996, 15271, ICC , 15274, ICC , 15272, ICC , 15273, 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.
AGLC ©2018 AIG. All rights reserved. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

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