1. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC All the information contained herein is confidential and proprietary and belongs solely to American General Life Companies. The unauthorized use, reproduction or disclosure of this information is prohibited. Providing “Optionality ® ” an unbeatable package of guarantees and flexibility AG Secure Lifetime GUL ® with Lifestyle Income Solution SM

2. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC All the information contained herein is confidential and proprietary and belongs solely to American General Life Companies. The unauthorized use, reproduction or disclosure of this information is prohibited. Important Notice The following presentation has been developed and approved for use by authorized producers and agents of the insurers of American General Life Companies. This presentation must be used with the accompanying narrative notes which are included in the presentation. You must take the following steps to access these notes: 1.Save the presentation to your laptop or PC. 2.Open the saved presentation; then click the “View” option in your menu bar in the upper left corner of your screen. 3.From the “View” drop down, click “Notes Page”. This will open the presentation with the narrative notes at the bottom of each slide. When making the presentation, these notes must be used without modification. Please contact your American General Life Companies representative with additional questions.

3. 2 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC AG Secure Lifetime GUL ® Long-term protection and maximum flexibility with…  Guaranteed death benefit  Guaranteed access  Guaranteed cash value  Lifestyle Income Solution SM helps protect against outliving retirement income

4. 3 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Building Guaranteed Cash Value Earlier AG Secure Lifetime GUL ®  AG Secure Lifetime GUL generates guaranteed cash sooner—as early as policy year 10  Cash value is only part of the story— we remain committed to offering highly competitive GUL premiums  Our ongoing commitment to the universal life market has brought great innovation in 100% guaranteed UL AG Secure Lifetime GUL

5. 4 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC What is 'Optionality ® '? Guaranteed Death Benefit Guaranteed Premium  Select Guarantee Period and Select Premium Funding Period  Pro-rata adjustments with no loss of guarantees and no surrender charges on Cash Value withdrawals  Guaranteed Cash Value beginning as early as year 10

6. 5 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Optionality ® in Action  Create an additional income stream in retirement while maintaining a guaranteed death benefit  Reduce the death benefit and premium while maintaining the original coverage guarantee period  Withdraw cash value from the policy yet still maintain the original coverage guarantee period  Terminate coverage and surrender the policy for cash value  Exchange the policy for one that better suits the current need

7. 6 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC 1.Guarantees are subject to the claims-paying ability of the issuing insurance company. 2. Subject to the policy’s terms and conditions. Unique Package of Guarantees 1  Dial death benefit guarantee to specified age/duration  Age 90, 95, 100, 121, etc.  24-month rolling targets – Comp isn't lost with shorter guarantees – (Not available in NY) Guarantee Period Dial in the Guarantee Period  Clients can pick how long they want to pay the premium  Longer periods mean lower premiums  Select any duration: 7 years, 15 years, to Maturity, etc. Dial In the Premium Funding Period 1,2

8. 7 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC 1. Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. 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. Accessing cash values may affect the continuation guarantee. Unique Package of Guarantees 1 Guarantee Period Uncommon flexibility to respond to life’s changing needs  Access cash value and preserve proportional guarantees  Enhances future flexibility and choice as needs change  Unique among GUL products Access

9. 8 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Face – $500,000K, guaranteed to 121  Annual Premium – $9,636  Guaranteed Cash at 85 3 – $77,207 1. Not an actual case. Presented for illustrative purposes only. 2. Quoted dated 12/10/2012 for the state of Texas. 3. 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. AG Secure Lifetime GUL Guarantee Period Unique Partial Withdrawal Capability Access Cash and Preserve Death Benefit Guarantee  Face – $1M, guaranteed to 121  Annual Premium 2 – $21,001  Guaranteed Cash at 85 – $154,415 Male, age 65, PNT, guaranteed to 121 1 50% Withdrawal at 85: $77,207 Flexibility & Choice

10. 9 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Lifestyle Income Solution SM  In addition to the valuable protection guarantee that AG Secure Lifetime GUL provides, it can also help protect a client against outliving their retirement income with American General’s Lifestyle Income Solution.  The Lifestyle Income Solution was developed to help preserve the clients standard of living during retirement.  It provides the option to receive a living benefit to help supplement their retirement income.

11. 10 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC The Case  In 2050, the number of Americans age 65 and older is projected to be 88.5 million, more than double its projected population of 40.2 million in 2010. 1  For a married couple age 65, there is a 50% chance that at least one spouse will live to 94, and a 10% chance that one will live to 104. 2 1 The Next Four Decades, The Older Population in the United States: 2010 to 2050 U.S. Department of Commerce, Economics and Statistics Administration, U.S. CENSUS BUREAU, Issued May 2010, P25-1138. 2. Prepared by Ernst & Young Insurance and Actuarial Advisory Services practice. The analysis uses the Annuity 2000 mortality table with Scale G2 mortality improvements. Increased longevity is not just a possibility – statistics show it's very likely

12. 11 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC The Case  61% of Americans surveyed said they were more afraid of outliving their assets than they were of death. 1  48% of Americans aged 45-70 have no financial plans in place to protect themselves against outliving their assets and the rising cost of healthcare should they live longer than expected. 1 1 State of the Insured Retirement Industry: 2012 Recap and a 2013 Outlook, Insured Retirement Institute. The positive aspects of living longer do come with some financial concerns

13. 12 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC  Credit card debt  Historically low interest rates  Poor performing 401(k)s  Changes in health insurance Concern Think about what may contribute to the possibility of outliving your retirement income. Do any of these issues concern you?  Social Security uncertainty  Health care expenses  Insufficient retirement income  Stock market corrections

14. 13 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Conditions Specifications  Issue ages 18-70  Minimum specified amount $100,000  Maximum specified amount $10,000,000  Only available at policy issue  Terminal illness rider must also be selected when adding the Lifestyle Income Solution Conditions  Minimum eligibility period: 15 Years  Have received enough premiums to guarantee the death benefit to age 100  Guaranteed withdrawal benefit percentage: 0.83%  The benefit will provide a minimum of 120 monthly withdrawal benefit payments  There is no indebtedness on the policy  Policy is not a Modified Endowment Contract  No claim is pending as to any accelerated death benefit rider attached to the policy

15. 14 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC At age 85, Paul has a stroke. He takes advantage of his Lifestyle Income Solution, receiving a benefit of $1,500 per month totaling $180,000 over ten years. 3 Worried About Outliving Your Retirement Income? Problem: Retirement Income shortfall Lifestyle Income Solution SM may work for you Paul (Age 55) Paul plans to retire in ten years. After a successful career, he is looking forward to enjoying an active retirement with his wife Linda but is concerned that a serious illness later in life may exhaust his savings, leaving an income shortfall due to medical costs. Solution: Life Insurance you don't have to die to use Paul purchases $500,000 AG Secure Lifetime GUL policy with the Lifestyle Income Solution 1 and chooses the option to receive a $1,500 monthly benefit after he turns 85. 2 BENEFITS AG Secure Lifetime GUL Lifestyle Income Solution When Paul eventually passes away, his policy still has a minimum of $320,000 residual death benefit, leaving a legacy for his family. If Linda has passed away, the benefit can be left to their children and grandchildren. Not an actual case. For illustrative purposes only 1. Lifestyle Income Solution is purchased for an additional fee 2. At the time the policy is purchased, James must select a target date for starting distributions that is at least 15 years after the issue date. 3. The maximum withdrawal benefit basis percentage that may be selected is subject to limitations and may be less than 100% of the life insurance coverage amount. 4 Withdrawals under the Lifestyle Income Solution must begin on a policy anniversary.

16. 15 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC As Your Needs Change, Your Policy Can Too Problem: Retirement Income shortfall Not an actual case. For illustrative purposes only. 1. Lifestyle Income Solution is purchased for an additional fee. 2. At the time the policy is purchased, James must select a target date for starting distributions that is at least 15 years after the issue date. You are in control with Lifestyle Income Solution SM James (Age 58) James has a blended family – adult children from a previous marriage and two daughters with his wife Emily. He plans to retire in 5 years and his goals include traveling abroad and leaving an inheritance for his extended family. He and Emily worry about whether their savings can last in case they need them later in retirement, which makes them hesitant to plan the overseas trips they’ve talked about for a decade. Solution: Life Insurance you don't have to die to use James needs life insurance and the flexibility to use the funds from his retirement savings to enjoy his early retirement years without a potential income shortfall later in life. James purchases a $400,000 AG Secure Lifetime GUL policy with the Lifestyle Income Solution 1 and chooses the option to begin receiving monthly benefits of $2,000 after he turns 85. 2 AG Secure Lifetime GUL Lifestyle Income Solution BENEFITS

17. 16 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC As Your Needs Change, Your Policy Can Too Security: A policy with flexibility to meet your changing needs Not an actual case. For illustrative purposes only. 3. The maximum withdrawal benefit basis percentage that may be selected is subject to limitations and may be less than 100% of the life insurance coverage amount. 4. Withdrawals under the Lifestyle Income Solution must begin on a policy anniversary. 5. State of the insured retirement industry: 2012 Recap and a 2013 outlook, Insured retirement institute. Detailed notes are listed in speaker notes. You are in control with Lifestyle Income Solution SM Did you know? “61% percent of Americans surveyed said they were more afraid of outliving their assets than they were of death.” 5 James and Emily enjoy several European adventures in their early retirement years. At age 85, James decides to take advantage of his Lifestyle Income Solution, receiving $1,000 per month, or $120,000 over ten years. 3 James knows he can increase his monthly benefits from $1,000 to $2,000 per month at any time. By choosing an amount less than the maximum, James also has the option to receive benefits for an extended period of time if needed. 4 James and Emily find comfort knowing that should James pass away first, the policy’s death benefit can help to protect Emily’s financial future. Emily passes away first. When James eventually follows, his policy still has a minimum $280,000 residual death benefit, which allows him to leave an inheritance for all of his children and grandchildren. BENEFITS

18. 17 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC An Affordable Option To Help Protect Your Retirement Problem: Insuring future long-term care for your child Not an actual case. For illustrative purposes only. 1. Lifestyle Income Solution is purchased for an additional fee. 2. At the time the policy is purchased, Lindsay must select a target date for starting distributions that is at least 15 years after the issue date.. Plan ahead with Lifestyle Income Solution SM Lindsay (Age 50) Lindsay is a single mom and works full time. Her daughter Shelley has autism and will never live independently. A trust set up by Shelley’s grandparents helps cover the cost of Shelley’s residential caregiver, leaving the balance to be covered by Lindsay. For Lindsay it’s important that, even if she passes away early, she will still be able to help provide for Shelley’s ongoing care. Lindsay is also interested in potential additional retirement income to help support herself and her daughter if the need arises. An affordable solution Lindsay plans on retiring at 67. At that point, she wants to continue using the trust funds to help care for Shelley while using her own retirement savings to maintain their lifestyle. Based on her insurance needs, Shelley purchases a $250,000 AG Secure Lifetime GUL policy with the Lifestyle Income Solution 1 and chooses the option of receiving just over $10,000 a year after she turns 85. 2 By planning ahead, her premiums are affordable for her at $3,155 per year. AG Secure Lifetime GUL Lifestyle Income Solution

19. 18 FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC Lindsay knows she has the flexibility to start or stop benefits at any time if needed. An Affordable Option To Help Protect Your Retirement Life Insurance with a living benefit Plan ahead with Lifestyle Income Solution SM Lindsay chooses to activate her Lifestyle Income Solution and receives a monthly benefit of $850 for 10 years, totaling over $100,000. 3 Lindsay pays her premiums through age 67. 2 Just when she needs it, she frees up almost $3,200 of annual cash flow. When Lindsay reaches 85, her savings are diminishing and she wants to supplement her retirement income. 3 BENEFITS When Lindsay passes away at age 95, she has received over $100,000 from her policy, and the $147,000 remaining death benefit is paid into a trust to help provide ongoing care for Shelley. Not an actual case. For illustrative purposes only. 1. http://aigretirementreset.com/ 2. At 67, the policy is is paid to the policy's Continuation Guarantee Target Date. 3. The maximum withdrawal benefit basis percentage that may be selected is subject to limitations and may be less than 100% of the life insurance coverage amount. 3. Withdrawals under the Lifestyle Income Solution must begin on a policy anniversary.http://aigretirementreset.com/ $0 $50,000 $100,000 $150,000 $200,000 $250,000 41 42 84 86 87 88 89 90 91 92 93 94 95 96 100 Lindsay’s $250,000 policy provides them with a living benefit and also a residual death benefit. Cumulative Lifestyle Income Solution benefit Residual death benefit Did you know? 49% of retirees anticipate they’ll need to provide financial assistance to family 1

20. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC All the information contained herein is confidential and proprietary and belongs solely to American General Life Companies. The unauthorized use, reproduction or disclosure of this information is prohibited. Questions? For additional information, please contact your American General Life Companies representative or visit our producer web site at http://eStation.americangeneral.com National Sales Desk can be reached at 1-800-677-3311

21. FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC All the information contained herein is confidential and proprietary and belongs solely to American General Life Companies. The unauthorized use, reproduction or disclosure of this information is prohibited. Important Information Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Policy Form Numbers 10460, ICC-10460; Lifestyle Income Rider Form Number 13972; Accidental Death Benefit Rider Form Number 82012; Children’s Insurance Benefit Rider Form Number 82410; Spouse/Other Insured Term Rider Form Number 88390; Terminal Illness Rider Form Number 91401; Waiver of Monthly Deduction Rider Form Number 82001. The United States Life Insurance Company in the City of New York, One World Financial Center, 200 Liberty Street, New York, New York, 10281. Policy Form Number 10460N; Lifestyle Income Rider 13972N; Accidental Death Benefit Rider Form Number ADB791E; Children’s Insurance Benefit Rider Form Number CI791E1; Waiver of Monthly Deduction Rider Form Number 82001N. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life) are the issuing insurer’s responsibility. Guarantees are subject to the claims paying ability of the issuing insurance company. American General does not solicit business in the state of New York. Policies and riders not available in all states. American General Life Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers, including AGL and US Life. These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the policy for complete details. © 2013. All rights reserved. AGLC107128