1. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 0 AG ROP Select-a-Term ® Level-premium Endowment Term with a Money Back Promise

2. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 1 Term Buyers Come in Two Flavors

3. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 2 Low Cost, Low Cost, Low Cost Some care only about low cost term life protection We have a solution for them… AG Select-a-Term ®

4. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 3 Protection Plus Options Others will pay a little more now to have more options later... … like getting all base premiums back at the end of the level premium period The solution for them… AG ROP Select-a- Term ®

5. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 4 Who Needs Return of Premium Term?

6. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 5 Who Needs Return of Premium term? *Preferred Plus class. Presented for illustrative purposes only. Premium rates current as of July 31, 2012, rates may vary by state. Premiums available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed level premium period if renewed. Death benefit remains level. AG ROP Select-a-Term is not available in the state of Washington

7. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 6 Why “IRR” is Important *Preferred non-tobacco class. Presented for illustrative purposes only. Premium rates current as of July 31, 2012, rates may vary by state. Premiums available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed level premium period if renewed. Death benefit remains level.

8. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 7 Policy Features  16 durations of guaranteed level term  Premiums back upon surrender at end of the level premium period  Convertible*  No policy fee or modal premium factor  Conversions from AG Select-a-Term *AG ROP Select-a-Term policies may be converted to AG Secure Lifetime GUL® (subject to change at the discretion of AGLC) —up to the 60th month of the term contract (prior to the fifth policy anniversary), subject to the age limitations of the term policy’s conversion provision. From the 6th policy year until the end of the conversion period, the policy holder may convert to Elite Transition UL.®* Policies may be converted during the conversion period without evidence of insurability. Conversion period for AG ROP Select-a-Term extends to the earlier of the end of the level-premium period or the insured’s attainment of age 70

9. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 8 More Options for Policyholders  Purchase a Reduced Paid Up policy  Continue face amount coverage

10. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 9 Rapid Rater  Now on Web (Excel no longer needed)  Available at http://eStation.aglife.com  No password required  Prices for all durations and classes on one page  AG Select-a-Term  AG ROP Select-a-Term  Comparison An Innovative Price Quoting Tool

11. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 10 Rapid Rater: AG ROP Select-a-Term

12. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 11 Rapid Rater: Comparison

13. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 12 Marketing Materials eStation.americangeneral.com Marketing Support: 800-677-3311 Producer Guide (AGLC 104158) Agent Use Consumer Approved Client Guide (AGLC 104180) The bottom line on ROP (AGLC 104221) Switching from term life to ROP (AGLC 104214) ROP for retirement (AGLC104398)

14. FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC. 13 AG ROP Select-a-Term accumulates a cash value that starts no later than the fifth policy year. At the end of the level premium period, the cash value of the in force policy equals the total of cumulative premiums paid, less any charges for substandard ratings and riders. If the client surrenders the policy, this amount is paid out, minus any outstanding loan balance. Alternatively, the same amount may be rolled into a permanent plan of insurance should the insured be eligible for and choose to exercise the conversion option. Coverage may also be continued beyond the level premium period by payment of increasing annual premiums. The policy will continue to build cash value until the policy anniversary nearest the insured’s 95 th birthday when the cash value will equal the face amount of the policy. The cash value, minus any outstanding loan balance, will then be distributed as the endowment benefit if the policy is in force and the insured is then living. The cash value and endowment benefit are subject to all terms and conditions detailed in the policy. 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. Policies issued by: American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, TX 77019 AG Select-a-Term Policy Form Number 07007; AG Select-a-Term Policy Form Number ICC10-07007, AG ROP Select-a-Term Policy Form Number 10001 The United States Life Insurance Company in the City of New York (US Life), One World Financial Center, 200 Liberty Street, New York, NY 10281, AG Select-a-Term Policy Form Number 09007N; AG ROP Select-a-Term Policy Form Number 10001N The underwriting risks, financial and contractual obligations, and support functions associated with the products issued by AGL and US Life are each insurer’s own responsibility. US Life is authorized to do an insurance business in the state of New York. Policies and riders not available in all states. IMPORTANT: Prior to soliciting business, be certain you are appropriately licensed and appointed with the insurer and that the product has been approved for sale in that state. If uncertain, please contact your American General Life Companies representative for assistance. Important Information AGLC106298