FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION AG Select-a-Term ® More than GREAT...

FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

AG Select-a-Term®

More than GREAT price!

Presented by…

Levi Robinson, CFP®, ChFC, CLU, RICP, FLMI

Vice President Product Training

AIG Global Consumer Insurance

Policies issued by American General Life Insurance Company ("AGL“)

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AG Select-a-Term – The Basics

17 Guaranteed Level Term Durations 10-year and 15- to 30-year durations Perfect for needs selling

Competitive Rates Rates vary between AG Select-a-Term, issued by AGL and AG Select-a-Term

issued by US Life (New York) Low band ($100,000-$249,999) with commissionable policy fee High band starts at $1,000,000

Convertible to earlier of end of level premium period or age 70 Convertible to any single life UL for 5 years1

Convertible to AG Extend IULSM beyond 5 years Convertible to AG ROP Select-a-Term® for 2 years2

1. An AG Select-a-Term policy may not be converted to a Survivorship or Variable Universal Life policy. 2. AG ROP Select-a-Term is not offered by The United States Life Insurance Company in the City of New York (US Life).

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Strong Competitive Position - Nationwide

1. Ranking percentages are based on 15, 20, 25, 30 year term duration, male and female quinquennial ages 20-75, $250K, $500K and $1.5M face amounts in non-tobacco underwriting classes, against 14 leading competitors. 960 cells sampled on 5/31/2015.

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1 Comparison based on 15, 20, 25, 30 year term duration, male and female quinquennial ages 20-75, $250K, $500K and $1.5M face amounts in non-tobacco underwriting classes, against 14 leading competitors. 960 cells sampled on 5/31/2015.2 Premium rates current as of June 8, 2015, rates may vary by state. Premiums available for other rate classes, ages

Take a look.How can you beat a better product at a better price?

New, Lower, Market-Leading Pricing1

17 Tactical Term Periods

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Flexible Guaranteed Term

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Term For Needs Selling

Term As Long As You Need It

Match current mortgage duration

Coverage until the kids are grown and gone

Term to Retirement at age 62, 65, 67, 70 or whenever

“Laddering” term durations


Laddering

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Laddering

What is Laddering?

Laddering means you buy multiple

smaller policies that custom tailor

your needs rather than one large

policy.

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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.

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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

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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.

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See It In Action

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.

$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

$1,000,000 30 Years $1,104.00 $29,808.00

$937.00 $21,561.50


Preserve a Premium

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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-than-

applied-for?”

Your client responds that they won’t pay the higher premium.

They really need the coverage, but the high premium scares

them.

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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.

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Let’s Take A Look


What About Rated Cases?

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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.

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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.

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Take the sticker shockout of rated term casesby turning to perennial

term leaders—AmericanGeneral Life Companies.

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Questions

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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 ICC10-07007, 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 AGLC103527. 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

AGLC106903

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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION AG Select-a-Term ® More than GREAT...

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