Policies issued by American General Life Insurance Company

Policies issued by American General Life Insurance Company Quality of Life. . . Insurance® Portfolio Providing differentiated protection from life’s uncertainties Jennifer Cole Director, Marketing Strategy & Research Life Insurance, AIG Global Consumer Insurance FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 1

Quality of Life. . . Insurance® Real Benefits + Real Flexibility = Real Protection Quality of Life. . . Select. Choice Accelerated Benefit Rider Accordia Accelerated Access Rider North American Accelerated Death Benefit Endorsement LSW Accelerated Benefits Riders Transamerica Trendsetter® LB Accelerated Death Benefits Available Chassis Term, UL^, Indexed UL, Guarantee UL UL, Indexed UL Guarantee UL, Indexed UL Term, Indexed UL, UL Term Only Chronic Illness Maximum Acceleration a a a Lesser of 100% of DB or $1, 500, 000 Varies – Only available in individual policy form* Lesser of 100% of DB or $1, 000 Lesser of 100% of DB or $1, 500, 000 Lesser of 90% of DB or $500, 000 a a Lesser of 100% of DB or $1, 500, 000 None Lesser of 25% of DB or $50, 000 Max Payout : $20, 000 Lesser of 100% of DB or $1, 000 Lesser of 90% of DB or $500, 000 a a a Lesser of 100% of DB or $1, 500, 000 Lesser of 50% of DB or $250, 000 Lesser of 75% of DB or $750, 000 Lesser of 100% of DB or $1, 500, 000 Lesser of 100% of DB or $500, 000 None Chronic Illness: 2 year waiting period Critical Illness: 30 day waiting period Critical Illness Maximum Acceleration Terminal Illness Maximum Acceleration Waiting Period** Chronic Illness: 30 day waiting period Critical Illness: 30 day waiting period Qol Advantage? a None Defined Benefit Available Riders may be subject to state variations. UL^: Universal Life * Benefit amount based upon current CV , NAR, age at claim and other factors specified in policy. ** Riders also include 90 day elimination period to meet eligibility criteria. a FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 2

Qo. L Flexterm REAL Value for the Money How much is Qo. L worth to term policy? Monthly amount more with Qo. L – Male, $250 K Face Amount, 20 -Year Term 20 25 30 35 40 45 50 55 60 65 PPNT $ 2. 55 $ 1. 76 $ 1. 96 $ 2. 86 $ 5. 08 $ 6. 68 $ 19. 94 $ 51. 91 PNT $ 3. 04 $ 2. 75 $ 2. 46 $ 2. 98 $ 3. 33 $ 6. 05 $ 8. 40 $ 17. 64 $ 52. 97 SPNT $ 2. 81 $ 2. 99 $ 3. 25 $ 4. 07 $ 3. 82 $ 4. 79 $ 6. 43 $ 9. 49 $ 24. 66 $ 70. 76 SNT $ 5. 66 $ 4. 63 $ 4. 31 $ 3. 43 $ 3. 85 $ 6. 30 $ 7. 88 $ 14. 46 $ 27. 36 $ 72. 45 PT $ 13. 54 $ 9. 26 $ 10. 98 $ 6. 62 $ 16. 35 $ 16. 05 $ 22. 04 $ 42. 23 $ 64. 54 $ 613. 36 ST $ 15. 18 $ 12. 16 $ 18. 07 $ 10. 39 $ 21. 11 $ 26. 07 $ 36. 21 $ 43. 44 $ 86. 73 $ 612. 26 Monthly amount more with Qo. L – Female, $250 K Face Amount, 20 -Year Term 20 25 30 35 40 45 50 55 60 65 PPNT $ 2. 30 $ 2. 01 $ 1. 72 $ 1. 94 $ 3. 19 $ 4. 42 $ 7. 16 $ 15. 66 $ 26. 74 PNT $ 2. 83 $ 2. 53 $ 2. 49 $ 2. 70 $ 4. 50 $ 5. 68 $ 5. 99 $ 15. 26 $ 26. 63 SPNT $ 4. 17 $ 3. 90 $ 3. 26 $ 3. 71 $ 4. 43 $ 5. 27 $ 6. 89 $ 23. 19 $ 46. 61 SNT $ 3. 85 $ 3. 54 $ 3. 47 $ 3. 38 $ 4. 83 $ 7. 82 $ 10. 94 $ 23. 76 $ 28. 64 PT $ 9. 48 $ 4. 44 $ 8. 23 $ 7. 63 $ 8. 75 $ 14. 42 $ 25. 08 $ 27. 66 $ 55. 62 $ 178. 66 ST $ 12. 59 $ 7. 82 $ 10. 45 $ 11. 80 $ 13. 37 $ 17. 37 $ 45. 15 $ 45. 36 $ 130. 24 $ 546. 27 Legend: Within $5 or 15% Not within $5 and beyond 15% *Rates as of 11/7/14. Comparison of the monthly premiums of Qo. L Flex Term versus the lowest cost option across thirteen of its key competitors: Accordia Term Life, ANICO Signature Term, AXA Equitable Term 20, John Hancock 20 Year Level Premium Term, Legal & General America OP Term, Life Insurance Company of the Southwest Level Term, Lincoln Life. Element Level Term 20, Met. LIfe Guaranteed Level Term 20, Nationwide Your. Life GLT 20 Year Term, New York Life 20 Year Level Term, North American ADDvantage 20, Pacific Life Prime Term 20, Prudential Term Essential 20, and Transamerica Trendsetter LB. FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 3

Qo. L Flexterm REAL Value for the Money How much is Qo. L worth on your term policy? Monthly amount more with Qo. L – Male, $500 K Face Amount, 20 -Year Term 20 25 30 35 40 45 50 55 60 65 PPNT $ 2. 95 $ 2. 41 $ 1. 74 $ 2. 13 $ 4. 51 $ 8. 10 $ 10. 85 $ 19. 40 $ 99. 05 PNT $ 3. 94 $ 3. 51 $ 2. 85 $ 3. 59 $ 4. 87 $ 8. 52 $ 14. 24 $ 27. 36 $ 67. 81 SPNT $ 3. 74 $ 3. 87 $ 3. 33 $ 2. 81 $ 5. 78 $ 7. 56 $ 10. 84 $ 6. 31 $ 27. 77 $ 48. 92 SNT $ 5. 13 $ 4. 33 $ 3. 79 $ 4. 79 $ 6. 81 $ 9. 00 $ 12. 73 $ 23. 77 $ 39. 48 $ 98. 64 PT $ 16. 82 $ 10. 43 $ 12. 54 $ 10. 85 $ 24. 68 $ 28. 92 $ 39. 84 $ 82. 29 $ 74. 43 $ 460. 17 ST $ 21. 05 $ 11. 36 $ 34. 09 $ 15. 58 $ 26. 89 $ 37. 97 $ 70. 35 $ 82. 31 $ 107. 62 $ 1, 048. 24 Monthly amount more with Qo. L – Female, $500 K Face Amount, 20 -Year Term 20 25 30 35 40 45 50 55 60 65 PPNT $ 1. 92 $ 1. 91 $ 1. 40 $ 2. 09 $ 3. 79 $ 5. 21 $ 11. 67 $ 26. 81 $ 50. 69 PNT $ 2. 94 $ 2. 40 $ 2. 89 $ 3. 34 $ 4. 76 $ 6. 64 $ 9. 96 $ 27. 27 $ 51. 16 SPNT $ 5. 74 $ 3. 84 $ 3. 86 $ 4. 44 $ 6. 65 $ 8. 41 $ 13. 88 $ 40. 43 $ 92. 61 SNT $ 4. 96 $ 4. 94 $ 4. 84 $ 4. 73 $ 7. 11 $ 13. 56 $ 18. 76 $ 42. 59 $ 55. 22 PT $ 15. 97 $ 6. 27 $ 11. 80 $ 11. 41 $ 14. 82 $ 26. 68 $ 47. 95 $ 53. 21 $ 94. 52 $ 158. 31 ST $ 22. 84 $ 13. 41 $ 14. 38 $ 15. 53 $ 24. 78 $ 31. 15 $ 88. 29 $ 68. 35 $ 178. 15 $ 818. 88 Legend: Within $5 or 15% Not within $5 and beyond 15% *Rates as of 11/7/14. Comparison of the monthly premiums of Qo. L Flex Term versus the lowest cost option across thirteen of its key competitors: Accordia Term Life, ANICO Signature Term, AXA Equitable Term 20, John Hancock 20 Year Level Premium Term, Legal & General America OP Term, Life Insurance Company of the Southwest Level Term, Lincoln Life. Element Level Term 20, Met. LIfe Guaranteed Level Term 20, Nationwide Your. Life GLT 20 Year Term, New York Life 20 Year Level Term, North American ADDvantage 20, Pacific Life Prime Term 20, Prudential Term Essential 20, and Transamerica Trendsetter LB. 4 FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 4

New Qo. L Performer Plus Male, 50, Standard Non-tobacco, $500, 000 level Death Benefit Qo. L Performer Plus Accordia Life Assure Policy Purchased at Age 50 - $20, 000 1035 Exchange + $9, 010/year to Age 65 Death Benefit $500, 000 CV Year 1: $20, 318 Protected CV Year 10: $80, 858 Money! CV Year 20: $199, 030 Death Benefit $500, 000 CV Year 1: $9, 862 CV Year 10: $96, 662 CV Year 20: $177, 540 Insured suffers heart attack at Age 65 Max Potential Acceleration Amount $500, 000 Critical Illness! Max Potential Acceleration Amount $0 Insured accesses cash value at Age 75 to help supplement retirement Cash Surrender Value: $238, 815 Strong CSV! Cash Surrender Value: $202, 371 Continuing Innovation – Qo. L + Protected Money *Rates as of 10/22/2014. Cash surrender value based upon illustration current assumptions including planned premiums, current interest rates, and current charges. Current crediting rate for Performer Plus UL is 5. 25% and current rate for Accordia Life Assure is 4. 75%. FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 5

Qo. L Guarantee Plus with Lifestyle Income Rider Male, 55, Preferred Non-tobacco, Premium for $1, 000 level DB, guaranteed/carried to Age 100. State of Colorado. Company/Product Pay To Age Qo. L Guarantee Plus Cumulative Guarantee Annual Premiums to to Age Premium Age 95 Chronic Illness/ LTC Rider Guaranteed Critical Cash Values Income At Illness Rider Age 85 to Age 100 85 100 $472, 980 $15, 766 a Accordia Life Assure with Accelerated Access Rider 100 75 $498, 080 $12, 452 a Nationwide Your. Life No-Lapse GUL with LTC rider ** 100 $521, 880 $13, 047 a Transamerica Trans. ACE ® 2014 with LTC rider ** 100 $529, 840 $13, 246 a Met. Life Secure Flex Universal Life 100 86 $535, 480 $13, 387 Prudential Pru. Life® Universal Protector with Benefit. Access Rider** 100 $547, 760 $13, 694 a Pacific Life Versa-Flex NLG with Premier Living Benefits Rider 100 $599, 960 $14, 999 a LSW Foundation* with Accelerated Benefit Rider 100 80 $805, 640 $20, 141 a with ABRs + Lifestyle Income Rider a a *Rates as of 10/22/2014. Current Assumption UL Products illustrated at current rates: 4. 75% for Accordia Life Assure, 4. 7% for Met. Life Secure Flex UL, 4. 5% for LSW Foundation UL, ** Ricers that are paid through additional COIs and have dollar for dollar death benefit reduction at the time of claim. More protection for less total cost! FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 6

Qo. L Advantage Value NO Competitor Can Match Male, 40, Standard Non-tobacco, $200, 000 GUL; 25 -yr term $400, 000 Quality of Life… Insurance® Transamerica Stand Alone Policies Qo. L Guarantee Plus: $200, 000 Stand Alone Policies Trans. ACE® 2014: $200, 000 Qo. L Flex Term: $400, 000 Trendsetter LB: $400, 000 Qo. L Advantage Discount -$131 Total Premium: $2, 645 No Policy Fee Discount Premium: $1, 789 Premium: $987 Lower Premium! Premium: $1, 606 Premium: $1, 082 Total Premium: $2, 688 Insured suffers Heart Attack at Age 60 Higher Benefit! Maximum Acceleration: $600, 000 Maximum Acceleration: $360, 000 Why should your client pay more to get less? *Rates as of 10/22/2014. FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 7

Questions? FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION

FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 9

§ Important Consumer Disclosures Regarding American General Life Accelerated Benefit Riders § (1) When filing a claim for Qualifying Critical Illness, Qualifying Terminal Illness or Qualifying Chronic Illness under an Accelerated Benefit Rider, the claimant must provide to the Company a completed claim form (with Certification attached in the case of a Qualifying Chronic Illness) which must be received at its Administrative Center within the time frame specified in the Rider, if any. § (2) If a benefit under an Accelerated Benefit Rider is payable and the Owner elects to receive such benefit, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under the Policy as to such Qualifying Event. To make such an election, the Owner must complete an election form and return it to AGL within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit and/or a Defined Accelerated Benefit, if applicable, under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. Under certain circumstances where an insured’s mortality (i. e. , our expectation of the insured’s life expectancy) is not significantly changed by a Qualifying Critical Illness or Qualifying Chronic Illness, the accelerated benefit may be zero. § (3) The failure to provide a required claim form and a required election form (with the requested attachments) within the periods set forth for each in a Policy may preclude payment of a benefit. § (4) Benefits payable under an accelerated benefit rider may be taxable. Neither American General Life Insurance Company nor any agent representing it is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. § (5) Generally, we will send you an IRS Form 1099 -LTC if you receive an accelerated death benefit on account of a Chronic Illness or a Terminal Illness. We will send you an IRS Form 1099 -R if you receive an accelerated death benefit on account of a Critical Illness. § The sum that will be included in Box 2 (Accelerated death benefits paid) of IRS Form 1099 -LTC or in Box 1 (Gross distribution) of IRS Form 1099 -R will be the actual sum you received by check or otherwise minus any refund of premium and/or loan interest included with our benefit payment plus any unpaid but due policy premium, if applicable, and/or pro rata amount of any loan balance. § (6) See your policy for details. FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 10

Important Disclosures Regarding American General Life Competitors The carriers and products included in this presentation are peer group competitors of American General Life Insurance Company. Competitor riders include Accordia Accelerated Access Rider: LCABR-E 14; North American Company of Life And Health Accelerated Death Benefit Endorsement for Critical, Chronic and Terminal Illness is issued on form series LR 477; Life Insurance Company of the Southwest: Accelerated Benefits Rider 1 (ABR 1), Form Series 8052; Accelerated Benefits Rider 2 (ABR 2), Form Series 8095; Accelerated Benefits Rider 3 (ABR 3), Form Series 8165; Transamerica Trendsetter® LB Policy Form No. TL 19. Transamerica Trendsetter® is a registered trademark of Transamerica Life Insurance Company. Competitor universal life products include: Accordia Life Assure with Accelerated Access Rider (policy form #ICC 13 -ULA-E 14 and ICC 13 - LCABR-E 14), Nationwide Your. Life® NLG UL with 100% DB LTC rider (policy form #NWLA 0444 -CO and NWLA-171 -32), Transamerica Trans. ACE® with 100% DB LTC at 2% max monthly payout (policy form # ICC 12 UL 07 and LTCR 02). Met. Life Secure Flex Universal Life (Form 5 E-38 -14), Prudential Pru. Life® Universal Protector (policy form # ULNLG-2013 and VL 145 B), Pacific Life Versa Flex NLG with Premier Living Benefits Rider, using 50%/50% split between Base Coverage and ARTR (policy form #P 08 VN 1 and R 12 CIU), LSW Foundation with LSW Accelerated Benefit Rider (policy form series 8640 KS and ICC 10 -8844). Competitor term products include: Accordia Term Life (Form 2 TAF 05), ANICO Signature Term (Form ART 12), AXA Equitable Term 20 (Form 149 -20), John Hancock 20 Year Level Premium Term (Form 11 Term), Legal & General America OP Term (Form ICC 12 OPTN), Life Insurance Company of the Southwest Level Term (Form ICC 13 -8119(0613)), Lincoln Life. Element Level Term 20 (Form TRM 5065), Met. LIfe Guaranteed Level Term 20 (Form 5 E-21 -04), Nationwide Your. Life GLT 20 Year Term (Form ICC 13 -NWLA-490), New York Life 20 Year Level Term (Form 210 -60. 27), North American ADDvantage 20 (Form LS 143 AMP), Pacific Life Prime Term 20 (Form P 12 TRS), Prudential Term Essential 20 (Form PLTIC-2008), and Transamerica Trendsetter LB (Form TL 19). FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 11 11

§ Qo. L Select. Choice ABR benefits and definitions may vary in some states and/or not be available in all states. The maximum amount of life insurance benefit that may be accelerated under a policy is the Accelerated Coverage Amount shown in such policy. Benefit eligibility is subject to limitations and/or Waiting Period, Elimination Period and exclusion requirements. Please read the rider carefully for a complete definition of benefits and the conditions applying to the rider. We offer a stand-alone critical illness policy that provides separate benefits without affecting an owner’s life insurance. A company representative can provide details. Note: The life insurance offered with a Select. Choice Accelerated Benefit Rider is not stand-alone long term care insurance, disability income insurance, or other insurance designed to cover specific costs associated with an illness or condition. Receiving benefits under the rider will reduce the amounts available for future acceleration under it and any other Accelerated Benefit Rider attached to the policy. It will also reduce the base life insurance benefit and the funds available to supplement retirement or other needs. In some cases, such reductions can result in policy termination. Any benefits paid under the rider may be less than what is needed to cover all of the costs associated with an illness or condition. No representing agent is authorized to give legal or tax advice. Please consult a qualified legal or tax advisor regarding questions concerning the information and concepts contained in this material. The Defined Accelerated Benefit (DAB) is an optional benefit which provides for payment of a predetermined portion of the applicable life insurance benefit upon the occurrence of a Qualifying Event. The DAB for the initial Qualifying Event, where a claim is made, is determined as a fixed percentage between 5% -15% of the maximum applicable life insurance benefit that can be accelerated under the policy. The DAB for a subsequent Qualifying Event is calculated using a reduced percentage (20% of the initial DAB percentage). There will be a charge for the rider if the DAB percentage is greater than zero. The Flexible Accelerated Benefit (FAB) provides for acceleration of all or a portion of the remaining life insurance benefit that may be accelerated after any DAB is paid. Any portion of the life insurance benefit that is elected to be accelerated as a FAB is subject to an actuarial discount, administrative charge, and payment of any unpaid but due policy premiums and will always be less than the portion of the base life insurance benefit accelerated. The amount offered as a FAB is determined by the company after a claim is submitted and, when accepted, is payable to the Owner as a lump sum. If a benefit under an Accelerated Benefit Rider is payable, the Company will provide the Owner with one (1) opportunity to elect a Flexible Accelerated Benefit under a Policy. The Owner must complete an election form and return it to the Company within 60 days of receipt of the election form. The Company will not provide a later opportunity to elect a Flexible Accelerated Benefit under a Policy as to the same Qualifying Critical Illness or Qualifying Chronic Illness. Subject to state variations. Policies issued by American General Life Insurance Company (AGL). 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. Please refer to your policy. For policy forms ICC 10 ABR and state variations. © 2014 AIG. All rights reserved. FOR FINANCIAL PROFESSIONAL ONLY – NOT FOR PUBLIC DISSEMNIATION 12