FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

AG ROP Select-a-Term® Level-premium Endowment Term

with a Money Back Promise

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Term Buyers Come in Two Flavors

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Low Cost, Low Cost, Low Cost

Some care only about low

cost term life protection

We have a solution for them…

AG Select-a-Term®

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Protection Plus Options

Others will pay a little more now to have more options later . . .

… like getting all base premiums

back at the end of the level premium period

The solution for them…

AG ROP Select-a-Term®

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Who Needs Return of Premium Term?

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Who Needs Return of Premium term?

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Why “IRR” is Important

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Policy Features

16 durations of guaranteed level term

Premiums back upon surrender at end of the level premium period

Convertible

No policy fee or modal premium factor

Conversions from AG Select-a-Term

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

More Options for Policyholders

Surrender for cash value

Conversion to UL

Purchase a Reduced Paid Up policy

Continue face amount coverage

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Sample Price Ranking

Male, Preferred Plus$500,000, 30-Year Term

Premium data for ReliaStar Life Insurance Company, Pruco Life Insurance Company and American National Insurance Company generated on September 8, 2011. Every attempt made to verify accuracy of information, but rates are subject to change at any time. Premiums available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability. Premium increase at the end of the guaranteed term if policy is renewed. Death benefit remains level. Not available in the state of Washington.

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Female, Preferred Plus$500,000, 30-Year Term

Premium data for ReliaStar Life Insurance Company, Pruco Life Insurance Company and American National Insurance Company generated on September 8, 2011. Every attempt made to verify accuracy of information, but rates are subject to change at any time. Premiums available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability. Premium increase at the end of the guaranteed term if policy is renewed. Death benefit remains level. Not available in the state of Washington.

Sample Price Ranking

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Rapid Rater

Now on Web (Excel no longer needed)

Available at http://eStation.aglife.com

No password required

Prices for all durations and classes on one page

AG Select-a-Term

AG ROP Select-a-Term

Comparison

An Innovative Price Quoting Tool

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Rapid Rater: AG ROP Select-a-Term

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Rapid Rater: Comparison

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

Marketing Materials

eStation.americangeneral.com

Marketing Support: 800-677-3311

Producer Guide

(AGLC 104158)

Agent Use Consumer Approved

Client Guide (AGLC 104180)

The bottom line on ROP (AGLC 104221)

Switching from term life to ROP (AGLC 104214)

ROP for retirement (AGLC104398)

FOR PRODUCER USE ONLY −− NOT FOR DISSEMINATION TO THE PUBLIC.

AG ROP Select-a-Term accumulates a cash value that starts no later than the fifth policy year. At the end of the level premium period, the cash value of the in force policy equals the total of cumulative premiums paid, less any charges for substandard ratings and riders. If the client surrenders the policy, this amount is paid out, minus any outstanding loan balance. Alternatively, the same amount may be rolled into a permanent plan of insurance should the insured be eligible for and choose to exercise the conversion option. Coverage may also be continued beyond the level premium period by payment of increasing annual premiums. The policy will continue to build cash value until the policy anniversary nearest the insured’s 95th birthday when the cash value will equal the face amount of the policy. The cash value, minus any outstanding loan balance, will then be distributed as the endowment benefit if the policy is in force and the insured is then living. The cash value and endowment benefit are subject to all terms and conditions detailed in the policy.

These product specifications are not intended to be all-inclusive of product information. State variations may apply. Please refer to the policy for complete details.

Policies issued by:

American General Life Insurance Company (AGL), 2727-A Allen Parkway, Houston, TX 77019AG Select-a-Term Policy Form Number 07007; AG Select-a-Term Policy Form Number ICC10-07007 (for the state of Washington) AG ROP Select-a-Term Policy Form Number 10001

The United States Life Insurance Company in the City of New York (USL), One World Financial Center, 200 Liberty Street, New York, NY 10281, AG Select-a-Term Policy Form Number 09007N; AG ROP Select-a-Term Policy Form Number 10001N

The underwriting risks, financial and contractual obligations, and support functions associated with the products issued by AGL and USL are each insurer’s own responsibility. USL is authorized to do an insurance business in the state of New York. Policies and riders not available in all states.

IMPORTANT: Prior to soliciting business, be certain you are appropriately licensed and appointed with the insurer and that the product has been approved for sale in that state. If uncertain, please contact your American General Life Companies representative for assistance.

Important Information