AG Select-a-Term More than GREAT price Policies issued

AG Select-a-Term® More than GREAT price! Policies issued by American General Life Insurance Company ("AGL“) FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Features § Select Income Rider § Disability Income Rider § Select a Term § Laddering § Preserve a Premium § Rated Cases § Product Specifics Appendix 2 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Select Income Rider FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Select Income Rider § David 35 § Lisa 35 § Monthly Income § David $4, 800 § Lisa $3, 000 § Two Small Children in Grade School § Mortgage § Two Car Payments *Not an actual case. Presented for illustrative purpose only. 4 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Sales Concept… They each purchase a $750, 000 AG Select-a-Term policy to provide a lump sum death benefit to pay off debt and cover final expenses. For extra protection, David adds Select Income Rider for a monthly benefit of $5, 000 for 10 years and Lisa chooses to add Select Income Rider for a monthly benefit of $2, 500 for 10 years. 5 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

How Select Income Rider Works: Lump Sum + Guaranteed Income Stream AG Select-a-Term 30 -Year Monthly Premium: $109. 83 Yr 1 Yr 35 David Dies In Year 25 Lump Sum Death Benefit $750, 000 Yr 25 Guaranteed Monthly Income $5, 000 Premium based on Male, 35, PNT. Not an actual case; for illustrative purposes only 6 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Why it Works This entire protection plan covers both spouses for less than $2, 400 per year. 1, 2 This planned approach to protection is low cost, simple to put in place and provides a sense of easing the burden of money management. That’s a powerful combination! 1 Premium rates current as of April 8, 2013, 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. 2 Premium rates based on male and female, age 35, Preferred underwriting class for a 30 -year policy paying monthly premiums. 7 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Disability Income Rider FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Disability Income Rider The Disability Income Rider offered on AG Select-a. Term® can be a valuable enhancement for some term clients. Many of your term clients have some employer provided disability income (DI) coverage, but may want more. They may also want coverage that won’t be lost if they change jobs. 9 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Filling the Gap: Male Doctor, Age 45 § Current employer policy provides disability coverage equal to 50% of his base salary. § Base salary is $10, 000 a month. § Use the American General’s Disability Income Rider to fill in the other 20% gap! 10 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

AG Select-a-Term 30 § $1, 000 Death Benefit § Guaranteed Annual Policy Premium With Disability Income Rider Premium $2, 304 § Monthly Benefit Amount $2, 000 § Elimination Period 90 Days § Benefit Period 2 Years 11 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Filling the Gap: 12 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Laddering FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Laddering What is Laddering? Laddering means you buy multiple smaller policies that custom tailor your needs rather than one large policy. 14 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Here’s How it Works Step 1: Identify your needs Step 2: Determine how long you need coverage Step 3: Determine the amount for those needs Step 4: Buy multiple smaller term policies that match your needs exactly instead of a larger policy By laddering your policies, you purchase the right amount of coverage in a cost-effective way. 15 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

See It In Action Larry, age 39, has two children, ages 5 and 8. He wants to purchase life insurance to provide for his family in the following situations: § $250, 000 of coverage on himself until his youngest child reaches the age of 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 16 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

See It In Action § Larry could buy a single $1 million policy, but the closest available term period offered by other companies would be 30 years. § If he drops the policy after 27 years when his longest need expires, he would have paid $29, 808 over the 27 year period. § With AG Select-a-Term, he can buy a separate policy for each of his three situations. § Building his life insurance on his terms saves him more than $8, 000, even if he were to drop the 30 -year policy after 27 years. 17 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

See It In Action $250, 000 16 Years $176. 50 $2, 824. 00 $500, 000 23 Years $449. 00 $10, 327. 00 $250, 000 27 Years $311. 50 $8, 410. 50 $937. 00 $21, 561. 50 $1, 104. 00 $29, 808. 00 $1, 000 30 Years 1 Not an actual case. Presented for illustrative purposes only. Example assumes each policy is kept in force for its full level-premium term period. 2 Preferred Plus underwriting class. Premium rates current as of August 31, 2015, 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. 18 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Preserve a Premium FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Preserve a Premium Flexibility at its best § You tell your client, because they’re not as healthy as expected, that the underwriting offer on their application is “other-thanapplied-for? ” § Your client responds that they won’t pay the higher premium. § They really need the coverage, but the high premium scares them. 20 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Here’s The Solution… § AG Select-a-Term greatly improves your chances in placing the business. § Other insurance companies sell policies that last for 10, 15, 20, or 30 years. § AG Select-a-Term offers 17 different durations for 10 years, or from 15 to 30 years. § This typically allows you to offer the same face amount, but for a shorter duration than originally planned. § Coverage period is shorter, but the face amount is unchanged, and the premium can be about the same as originally quoted. 21 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Let’s Take A Look 22 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

What About Rated Cases? FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Rated Term Case? § While most companies determine substandard rates by applying a table rating factor to Standard rates, American General applies a table rating factor to Special rates. § The Special rates are more favorable than Standard rates. * § As a result, our pricing on rated cases may surprise you. § American General offers the lowest rated case premiums among carriers compared in the case quoted in the table to the right. § In fact, our table C and D premiums often beat premiums for lower table ratings among this group of carriers. * Applies only to the Non-tobacco underwriting class. 24 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Achieve significant savings on rated term cases! Competitors premium rates current as of 05/31/2015. The company has verified the accuracy of information, but rates are subject to change at any time. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 25

Take the sticker shock out of rated term cases by turning to perennial term leaders—American General Life Companies. 26 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Questions 27 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Product Specification Appendix FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Select Income Rider FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Summary § Upon the death of the base policy insured, this rider pays a monthly benefit to the beneficiary. § The issue age for the rider is the same as the AG Select-a-Term (base) policy to which it is attached. § This rider can only be added at issue and may be dropped after issue. 30 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Benefits § This rider provides supplemental term insurance coverage on the life of the insured. § The terms and conditions of this supplemental term insurance coverage are the same as those of the base policy to which it is attached; except that the death benefit payable under this rider will be paid as a monthly income benefit to the beneficiary. § The settlement options described in the base policy are not available to the beneficiary. 31 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Benefits § By electing this rider and paying the rider premium the owner has made an irrevocable election to have the rider death benefit paid as a monthly income benefit. § (In other words, the beneficiary cannot convert the periodic benefit. ) § Generally, a portion of each monthly payment will be subject to federal and /or state income tax. 32 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Benefits Payable § The insurer will pay to the beneficiary the monthly benefit shown on the rider specifications page. § The payment of benefits under this rider is irrevocable and separate from any other payment options available under the base policy. § The monthly benefit is fixed and payable until the end of the selected monthly benefit duration. 33 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Benefits Payable § The monthly benefit and monthly benefit duration for this rider are shown on the rider specifications. § However, if upon the insured’s death the payee is an estate, the proceeds will be paid in a lump sum that is equal to the conversion face amount shown on the rider specifications. 34 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Specifications § Benefits payable for: § 60, 120, 180, 240, 300, 360, 420, or 480 months § Issue Ages § Same as the AIG Select-a-Term base policy § Minimum Monthly Benefit § $500 § Maximum Monthly Benefit § $100, 000 35 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Beneficiary § The beneficiary(ies) are as shown in the application unless later revised by the owner and recorded by the insurer. § If any beneficiary dies before the rider insured, that beneficiary’s interest will pass to any other beneficiaries according to their respective interests. § If no beneficiary survives the rider insured, the estate of the owner will be the beneficiary. § If a trust is the owner and no beneficiary survives the rider insured, the estate of the rider insured will be the beneficiary. 36 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Disability Income Rider FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Disability Income Rider Can provide a regular monthly benefit up to 2 years to the primary insured if they are unable to work due to a covered illness or injury 90 -day elimination period and 2 year benefit period The definition of disability is “own occupation” for the first 12 months and “any occupation” after the first 12 months Premiums for the Term Policy and all riders are waived while your client is receiving disability benefits Available on policies issued standard or better with a minimum face amount of $250, 000 38 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Replacement Ratio The maximum replacement ratio is 50%. Existing DI coverage will be considered when calculating the 50% maximum replacement ratio. For Risk Class 1 (White Collar) only, the participation limit is 70%. For example, if an applicant has 40% of LTD from work, he or she can purchase an additional 30% with this rider. However, if they do not have any existing DI coverage, they will still be limited to a 50% maximum replacement ratio up to $3, 000. 39 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Disability Income Rider Two occupation classes: white collar and blue collar (see Occupation Class definitions below). Minimum monthly benefit is $300. Maximum monthly benefit is $3, 000. This rider cannot be added after issue but can be dropped after issue. DI coverage period is to age 65, or the end of the level-premium guarantee period of the term life policy, whichever is sooner. 40 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Issue Ages 20 -50 10 -, or 15 - through 30 -year plans Ages 51 -55 10 -, or 15 - through 22 -year plans 41 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Class I Professional and White Collar Occupations Professionals would include individuals in very responsible positions and typically holding advanced degrees and professional designations or be an officer of a large corporation. Examples: architects, engineers, CPA’s, lawyers, physicians, dentists and corporate officers. White Collar would include individuals who are generally salaried employees, possess special technical skills, are well-educated and frequently have managerial responsibilities. Their positions do not expose them to on the job risks of physical injury or environmental hazards. Examples: administrators, teachers, research analysts and pharmacists 42 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Class II Blue Collar Occupations Blue Collar would include positions that may be either salaried or hourly paid. They will generally be recognized as skilled workers, some of whom will have supervisory duties. Many require relatively limited skills and modest formal education. Typically a college degree is not required and the skills are usually learned on the job. In many cases, the physical demands are high and the tasks frequently require manual labor. It is not uncommon for there to be some exposure to accidental injury and/or adverse working conditions. Examples: assemblers, mechanics, machine operators, construction trades, office clerical, technicians, receptionists, LPNs, registered nurses, nurses aides, and physical therapists 43 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Underwriting § Available to term applicants standard or better § (some occupational restrictions) § No additional underwriting 44 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Unacceptable Risks § These jobs are usually characterized by six categories of exposure: (examples) § There is a high risk of accidental injury (logging, subsurface mining or construction, law enforcement, fire fighting, explosives or military service) § The work may be very physically demanding (household movers, farm laborers, and professional athletes) § There is a very high degree of mental stress (air traffic controllers) § There may be exposure to an adverse and/or dangerous working environment (hazardous materials handlers, high elevations, exposure to heat, cold or airborne particulate matter) § The jobs demand that a very high standard of physical fitness be maintained (pilots, common carriers, police, fire and professional athletes) § The skills required are such that a minor injury or impairment may be disabling (entertainers, musicians, and professional athletes) 45 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Questions 46 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

Important Information Policies issued by: American General Life Insurance Company (AGL), 2727 -A Allen Parkway, Houston, Texas 77019. AG Select-a-Term Policy Form Number 07007, AG Select-a-Term Policy Form Number ICC 10 -07007, Accidental Death Benefit Rider Form Number 79002, Child Rider Form Number 79410, Disability Income Rider Form Number 06305, Terminal Illness Rider Form Number 91401, Waiver of Premium Rider Form Number 79001, Select Income Rider Form Number 08818, AG ROP Select-a-Term Policy Form Number 10001, Term Conversion Option Endorsement AGLC 103527. The underwriting risks, financial and contractual obligations and support functions associated with products issued by AGL are the issuing insurer’s responsibility. Guarantees are subject to the claims-paying ability of the issuing insurance company. American General Life Companies, www. americangeneral. com, is the marketing name for a group of affiliated domestic life insurers, including AGL. Important: Prior to soliciting business, be certain that you are appropriately licensed and appointed with the insurer and that the product has been approved for sale by the insurer in that state. If uncertain, contact your American General Life Companies representative for assistance. FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC AGLC 106903 © 2015. All rights reserved. 47 FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION