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1 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and agents of the insurers of American General Life Companies. This presentation must be used with the accompanying narrative notes which are included in the presentation. You must take the following steps to access these notes: 1.Save the presentation to your laptop or PC 2.Open the saved presentation; then click the “View” option in your menu bar in the upper left corner of your screen 3.From the “View” drop down, click “Notes Page” This will open the presentation with the narrative notes at the bottom of each slide. When making the presentation, these notes must be used without modification. Please contact your American General Life Companies representative with additional questions. Important Notice

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Page 1: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

1FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

The following presentation has been developed and approved for use by authorized producers and agents of the insurers of American General LifeCompanies. This presentation must be used with the accompanying

narrative notes which are included in the presentation.

You must take the following steps to access these notes:

1.Save the presentation to your laptop or PC

2.Open the saved presentation; then click the “View” option in your menu bar in the upper left corner of your screen

3.From the “View” drop down, click “Notes Page”

This will open the presentation with the narrative notes at the bottom of each slide. When making the presentation, these notes must be used without modification.

Please contact your American General Life Companiesrepresentative with additional questions.

Important Notice

Page 2: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

2FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

to offer

Generation S clients?

…the clients who

have saved money

and aren’t using it…

NOT FDIC INSURED. MAY LOSE VALUE. NOT A DEPOSIT. NO BANK GUARANTEE. NOT INSURED BY ANY FEDERAL AGENCY.

Do you need something new…

Page 3: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

3FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

Savers, not spenders

Modest but comfortable lifestyle

Pension + savings Other investments Risk averse Family first

Page 4: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

4FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

According to an AARP

study in 2001…

Average Inheritance

actually received was

$49,000

Page 5: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

5FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Is the middle-class

inheritance threatened?

Stock market volatility Low yields Taxes and inflation

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

Page 6: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

6

What can you earn on $50,000

without

stock market risk?

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

1-year CD = 1.02% Bank money market account = 0.817%

5-year CD = 2.27% 10-year Treasury note = 2.61%

Source: Bankrate.com 12/30/2010: average national yields

FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Page 7: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

7

It might take a while….

0.50% >>> 144 years

1.00% >>> 72 years

2.00% >>> 36 years

2.50% >>> 29 years

3.00% >>> 24 years

Want to double that investment?

Rule of 7272/Interest Rate

=Years to Double

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

6

Page 8: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

8FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Smart. Secure. Simple.

Inheritance Life®

Page 9: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

9FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

SMART.Tax-advantaged means of transferring wealth LEVERAGE:One-time premium produces a larger death benefit

Inheritance Life

Page 10: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

10

Inheritance Life®

Leverage

Immediately increase a legacy

FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Page 11: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

11FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Inheritance Life provides Leverage

Example assumes Preferred risk class.Rates current as of Jan 11, 2011.

Page 12: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

12FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

SMART.Tax-advantaged means of transferring wealth LEVERAGE: One-time premium produces a larger death benefit Death benefit is guaranteed Earnings grow tax-deferred1

Avoids probate2

Passes to heirs income-tax free1

1Based on current federal income tax laws2Subject to state probate laws

Inheritance Life

Page 13: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

13FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

SECURE.Clients have the security of guarantees Guaranteed Return of Premium Clients can access funds if they need them Partial Withdrawals each year of 10% of accumulated

value (beginning yr 2) Loans available anytime Terminal Illness Rider (not available in NY) Surrender charges waived upon qualifying medical stay

Inheritance Life

Page 14: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

14FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

SIMPLE. Easy transition for annuity agents New product for existing clients Slight modification to talk track New solution that doesn’t take away

from your existing business

Inheritance Life

Page 15: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

15FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

Safety Tax Efficient Yield Liquidity Easy

Create an Inheritance with…

Page 16: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

16FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

SIMPLE.Wealth transfer solution as easy as…

5 questions Signature 10 minutes

No medical exams!

Inheritance Life

Page 17: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

17FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Inheritance Life

Page 18: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

18

Strategies for Generation “S”Wealth transfer solutions for a generation of savers

Birthdays impact

leverage

Page 19: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

19FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Smart. Secure. Simple.

Inheritance Life

Page 20: 0 FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC The following presentation has been developed and approved for use by authorized producers and

20FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Important InformationPolicies issued by:

American General Life Insurance Company

2727-A Allen Parkway, Houston, TX 77019

Inheritance Life Policy Form Number 06440

Terminal Illness Rider Form Number 91401

Waiver of Surrender Charge Rider Form Number 06422

The United States Life Insurance Company in the City of New York

One World Financial Center, 200 Liberty Street, New York, NY 10281

Inheritance Life Policy Form Number 06440N, 06440NU

Waiver of Surrender Charge Rider Form Number 06422N

The underwriting risks, financial and contractual obligations and support functions associated withthe products issued by American General Life Insurance Company, Houston, TX (AGL) and The United States Life Insurance Company in the City of New York, NY, NY (USL) are the issuing insurer’s responsibility. USL isauthorized to conduct insurance business in New York. Policies and riders not available in all states.American General Life Companies, www.americangeneral.com, is the marketing name for the insurancecompanies and affiliates comprising the domestic life operations of American International Group, Inc.,including AGL and USL.

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.

© All rights reserved.

AGLC104701


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