AG Secure Lifetime GUL II®

Lifestyle Income SolutionSM

Introducing…

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Presented by…Levi Robinson, CLU, ChFC, FLMIDirector Product & Market Training

Long-term protection and maximum flexibility with…

Guaranteed death benefit

Guaranteed access

Guaranteed cash value

No more premium caps!

Lifestyle Income SolutionSM Helps protect against outliving retirement income

AG Secure Lifetime GUL II®

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Face$500K, guaranteed to 121

Annual Premium $9,636

Guaranteed Cash at age 853 $77,207

Face$1M, guaranteed to 121

Annual Premium2 $21,001

Guaranteed Cash at 85 $154,415

AG Secure Lifetime GUL IIFlexibility & Choice

Unique Partial Withdrawal CapabilityAccess Cash and Preserve Death Benefit Guarantee

Male, age 65, PNT, guaranteed to 1211

50% Withdrawal at 85$77,207

3

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

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Guaranteed return of premium option

AG Secure Lifetime GUL II offers even more flexibility with the

no-cost Enhanced Surrender Value Rider, commonly referred to

as a return of premium rider.

It gives you a one-time option at the end of policy year 20 to

surrender the policy and receive back up to a maximum of fifty

percent of premiums paid.

The option must be exercised within a 60-day window.

New Rider!

Lifestyle Income SolutionSM

In addition to the valuable protection guarantee that AG Secure Lifetime GUL II 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.

Lifestyle Income SolutionSM

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Think about what may contribute to

the possibility of outliving your retirement income.

Do any of these issues concern you?

Concern

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

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

L.I.S. Specifications

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Minimum Eligibility Period: Policy in force for 15 Years

Have paid enough premiums to guarantee the death

benefit to age 100

The Benefit will Provide a minimum of 120 Monthly

Withdrawal Benefit Payments

Guaranteed Withdrawal Benefit Percentage: 0.83%

100% ÷ 120 months = 0.83333%

There is no indebtedness on the policy

Policy is not a Modified Endowment Contract

No claim is pending under the Terminal Illness Rider

L.I.S. Conditions

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Female Age 40 PNT

Needs $400,000 Death Benefit

Wants $1,200 a month in LIS benefit at age 85

Premium requirement = $2,535 annually

Let’s look at the quote

Example

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The Calculation

$1,200 x 120 months

= $144,000

$144,000 BB$400,000 DB

= 37%

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

The Calculation

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

The Application

Must check the “Terminal Illness Rider” box

Must check the “Other Riders/Benefits” box andwrite “Lifestyle Income Solution” in the line

Must include the withdrawal benefit percentage in the “Amount/Units” field.

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Lifestyle Income Solution 37%

The owner may request to withdraw less than the full amount, but not less than $500 per month

A withdrawal less than the maximum allowable amount could extend the period for which monthly withdrawals can be taken under the rider

The owner may request a suspension of monthly withdrawal benefits at any time by sending the company a written request

Withdrawal benefits may be resumed at any time

Withdrawals

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Why do better rated clients pay more for

the Lifestyle Income Solution?

When the insured has a reasonable expectation of living longer, the premium for the Lifestyle Income Solution may be higher due to the increased likelihood that the policy

owner may receive acceleration benefits under the Lifestyle Income Solution.

Underwriting

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Paul, age 55, plans to retire in about ten years

His 401(k) is expected to generate $2,000per month for life

Paul estimates he will receive $1,500 permonth in Social Security benefits

Paul also has $300,000 in a savings account He plans to withdraw about $1,500 a month

Combined with social security and his 401(k), shouldgenerate an income stream of $5,000 per month

Case #1

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Case #1

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

Case #1

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC

$400,000

$300,000

$200,000

$100,000

$0

Age 65 Age 85 Age 95

$490,000 Life Insurance Coverage

Income

Guaranteed Withdrawal Benefits begin at age 85

Reduction of Death Benefit when GuaranteedWithdrawal Benefits are paid as income

Remaining DeathBenefit $309,425

$180,575 paid underLifestyle Income Solution

Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas77019. Policy Form Numbers 10460, ICC-10460; Lifestyle Income Rider Form Number 13972; AccidentalDeath 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

ofMonthly Deduction Rider Form Number 82001. The United States Life Insurance Company in the City ofNew York, One World Financial Center, 200 Liberty Street, New York, New York, 10281. Policy Form Number10460N; Lifestyle Income Rider 13972N; Accidental Death Benefit Rider Form Number ADB791E; Children’sInsurance 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

productsissued by American General Life Insurance Company (AGL) and The United States Life Insurance Company

inthe City of New York (US Life) are the issuing insurer’s responsibility. Guarantees are subject to the claimspaying ability of the issuing insurance company. American General does not solicit business in the state of

NewYork. 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

AGLand US Life. These product specifications are not intended to be all-inclusive of product information. Statevariations may apply. Please refer to the policy for complete details.

© 2013. All rights reserved.

AGLC107128

Important Information

FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC