Guaranteed Issue Whole Life Insurance GIWL Policies issued

Guaranteed Issue Whole Life Insurance (GIWL) Policies issued by American General Life Insurance Company ("AGL“) FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 1

Who Needs GIWL? Almost 1/3 42% of people aren’t buying life insurance or more of it because they don’t like thinking about “death. ” of Americans say they are concerned with burdening others with their funeral expenses. 1 in 4 Americans say they need more life insurance than they have. Source: LIMRA and LIFE Foundation 2016 Insurance Barometer Study FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 2

Reasons to Buy GIWL • Client prefers not to take a medical exam • Desire for permanent protection – i. e. , won’t go away in 10, 15, or 20 years • Client doesn’t want to burden others with final expenses • An additional, easy to get, modest legacy for loved ones • Client living on fixed income who requires non fluctuating payments FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 3

GIWL Competitive Product Guaranteed Issue – No medical questions • Face Amounts: $5, 000 - $25, 000 • Ages 50 -85 (ALB) Graded Death Benefit Whole Life • Years 1 -2: • Years 3+: • Accidental Death: 110% of premiums paid Full Face Amount Unique Chronic Illness Acceleration Benefit at no additional cost • Returns 100% of premiums paid, up to 50% of Face Amount • No waiting period • One-time lump sum payment when insured becomes chronically ill (2 out of 6 ADLs) Terminal Illness Benefit Included • 50% of Death Benefit within 24 month life expectancy or less FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 4

GIWL Product Requirements • Insured must be Owner • Payor can be different than Insured • Social Security number will be required • Only one policy per Owner/Insured in a twelve-month period • Insured can get no more than $25 k total in GI insurance from American General • No replacement or conversion into this product allowed • Payment options include bank draft, credit card, and social security debit card (for initial and recurring); able to set delayed billing and specify date. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 5

GIWL Chargeback/Lapse Rules • Chargebacks apply on death and lapse • Lapse (Year 1 only) - Months 1 -6: 25% - Months 7 -12: N/A • Death (Years 1 -2) - Year 1: 100% - Year 2: 50% FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 6

GIWL Competitive Product Analysis As of September 6, 2016 American General Life (AGL) Gerber Kemper Met. Life Mutual of Omaha Guaranteed Issue Whole Life Guaranteed Life Insurance Plan Guaranteed Issue Whole Life Guaranteed Acceptance Whole Life Guaranteed $5, 000 - $25, 000 $5, 000 - $20, 000 $2, 000 - $25, 000 $5, 000 - $20, 000 50 - 85 50 - 80 40 - 80 50 - 75 45 - 85 Graded Benefit Coverage (non ADB) 110% of premiums paid Premiums paid + 10% interest compounded annually Chronic Illness Benefit Return of Premium Up to 50% of face No waiting period None Terminal Illness 50% of Death Benefit with 24 month life expectancy None Product Name Coverage Available Issue Ages 120% of premiums 110% of premiums paid Every attempt has been made to verify accuracy of this information, but rates are subject to change any time. These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 7

GIWL Competitive Pricing As of September 6, 2016 $10, 000 Face Amount, Monthly Premiums Age AGL 55 $56 Gerber Male 65 $73 75 $124 55 $40 $36 Female 65 $54 $55 75 $96 $90 $46 Kemper -18% $98 +75% $68 -6% $130 $125 +1% $167 -10% +3% -6% $146 Met. Life Mutual of Omaha $61 +8% +78% $97 +32% $71 -2% +35% $164 +32% $127 +2% $85 +112% $49 +21% $36 -10% $109 +102% $70 +29% $55 +1% +52% $119 +23% $100 +4% $49 -13% $15, 000 Face Amount, Monthly Premiums Age AGL Gerber Kemper Met. Life Mutual of Omaha 55 $84 $69 -18% $145 +72% $90 +7% $72 -14% Male 65 $109 $102 -6% $192 +76% $144 +32% $106 -2% 75 $186 $187 +0. 5% $248 +33% $245 +31% $189 +2% 55 $59 $53 -10% $125 +112% $72 +22% $54 -9% Female 65 $81 $83 +2% $161 +99% $104 +28% $81 0% 75 $143 $135 -6% $216 +51% $177 +24% $150 +5% $20, 000 Face Amount, Monthly Premiums Age AGL 55 $111 $91 Gerber -18% $192 Kemper +73% $120 Met. Life +8% Mutual of Omaha $96 -13% Male 65 $114 $136 +19% $254 +123% $192 +68% $142 +24% 75 $247 $248 +1% $329 +33% $326 +32% $252 +2% 55 $78 $71 -9% $165 +112% $96 +23% $71 -9% Female 65 $107 $110 +3% $214 +100% $138 +28% $108 +1% 75 $190 $180 -5% $287 +51% $236 +24% $199 +5% Every attempt has been made to verify accuracy of this information, but rates are subject to change any time. These comparisons cannot be used with the public. Complete personalized policy illustrations for each company product must be presented or discussed with your client regarding guaranteed and nonguaranteed elements of the policy, including surrender values, accumulation values, loans, withdrawals, death benefits and other important information. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 8

GIWL Technology Platform Strategy and Process Designed to enable a simple, straight-through electronic sales and application process • Easy to use, responsive design – works on tablet and mobile devices • Provides simple quoting with upsell suggestions • Includes all forms, disclosures, etc. , needed at point of sale • Validates all information is correctly completed – no incomplete applications • Validates payment information in real time helping agents maximize productivity FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 9

Self Registration – One Time Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 10

Self Registration – One Time Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 11

Log In FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 12

Landing Page FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 13

GIWL Quote Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 14

GIWL Quote Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 15

Application Process Options There are two ways to complete an application: • Paper Forms – Can be printed out, filled out by hand faxed into AIG • Electronic Order Entry – Filled out online with instant submission and, in most cases, instant processing FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 16

Paper Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 17

Download Application Packet FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 18

Application Packet FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 19

GIWL Paper Application All prescreening is to be done by the Distribution Partner to ensure all information is correctly submitted. No = Ineligible – Do not send to AIG Yes = Ineligible – Do not send to AIG Bank draft or credit card is required for this product. FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 20

Fax Process Flow • Get Quote • Download Forms • Complete Forms with Applicant • Prescreen forms for completeness and product eligibility • Fax prescreened forms with GIWL Transmittal Form to AG • Upon receipt at AG • Forms will be reviewed for completeness • Policy will be data entered and issued • Get Paid FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 21

Online Application Process e. Signature FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 22

Electronic Process Flow 1 Agent Login 2 Prepare Quote 3 4 Fill Out Application 5 Download Completed Application Copy Obtain Quote Get Paid! FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 23

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 24

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 25

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 26

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 27

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 28

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 29

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 30

GIWL Online Application Process FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 31

Guarantee Issue Whole Life Agent Assisted Sales Product Availability by State WA MT AK ND NH VT ME MN SD OR ID WI WY IA NE IL NV UT CO KS AZ TX Available for Sale RI MA NJ WV TN DE VA NC AR CT PA OH KY OK NM IN MO CA * HI NY MI MD DC* SC MS AL GA LA FL Not Available for Sale As of Sept 7 th 2016, Guarantee Issue Whole life is available in all states except NY, PA, ME. * Some Riders are not available in all states: - Chronic Illness & Terminal Illness ABRs not available in CA - Chronic Illness not available in DC FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 34

Marketing Material New Marketing Material! • • Consumer Brochure The Agent Guide Rate Calculator Top 10 Reasons to Sell FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 35

Questions FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION 36

Important Information Policies issued by American General Life Insurance Company (AGL), Policy Form Numbers ICC 15 -15532, 15 -15532; Rider Form Numbers, ICC 15 -15201, ICC 15 -200, 15 -200. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of the issuing insurance company. AGL does not solicit business in the state of New York. Products may not be available in all states and product features may vary by state. AGLC 110198 REV 1216 © 2016 AIG. All rights reserved. FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. . AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. Additional information about AIG can be found at www. aig. com | You. Tube: www. youtube. com/aig | Twitter: @AIG_Latest. News | Linked. In: http: //www. linkedin. com/company/aig AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at www. aig. com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds. FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION