INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTION

MASTER PLAYBOOKQoL

1

PRODUCT BUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG

aig.com/QoLMasterPlaybook

BOOST YOUR SUCCESS WITH THESE MUST HAVE TOOLS AND RESOURCES

INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACK

MASTER PLAYBOOKQoL

2

PRODUCT BUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG

QoL Producer WebsiteYour one stop shop for all QoL sales and

marketing tools

aig.com/QoLMasterPlaybook

QoL Training PlaybookRobust product/sales presentations, sales

concepts, archived webinars and more

QoL Competitive Comparison PlaybookSee how our products stack up

vs. the competition

Power Up with IUL WebsiteCompelling product solutions, bite-sized training

modules and effective sales strategies

QoL IUL PlaybookEverything you need to know, including

non-medical underwriting

QoL Term Conversion PlaybookIdentify opportunities, market to eligible clients,

step-by-step conversion process and more.

QoL Premium Approval Limits Easy reference guide

QoL Multicultural Playbook Chinese, Korean, Vietnamese and

Spanish materials

INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACK

PRODUCT BUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG

MASTER PLAYBOOKQoL

3

Life Insurance Awareness Start conversations year round with easy to use infographics, videos and checklists

Policy Review Playbook Your client’s life changes, has their life insurance coverage kept up?

Beneficiary Review PlaybookTools to potentially identify additional client needs or coverage gaps

Generation Matters Website Explore tools & strategies to help connect with clients of any generation and any stage in life

Advanced Markets Portal Attract and retain affluent and business-owner clients

Foreign Nationals Checklist Make sure you have everything you need to submit a Foreign Nationals case In Good Order.

InsMark Playbook Create compelling easy-to understand client concept presentations

QoL Consumer Website A compelling way to introduce Prospects to Life Insurance and the QoL living benefits story

Campaign in a Box “Grab and go” client prospecting, training, education and selling strategies ready to deploy.

Foreign Nationals Guidelines Better serve Foreign Nationals as they face unique U.S. planning challenges

aig.com/QoLMasterPlaybook

INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACK

MASTER PLAYBOOKQoL

4

PRODUCT BUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG

aig.com/QoLMasterPlaybook

QoL Rapid Rater Instant quotes on QoL Flex Term

QoL Summary Report Recent updates from around the company

AGL Preferred Vendors Preferred Underwriting Requirement Vendors

EMSI Online Viewing of APS Status

eStationAccess WinFlex, iGo eApply, L&C, New Business, Inforce and more

Policy Illustration & Quotation RequirementsSpecific documentation required on each product including state variations

PG Webinar Landing PageLive webinars with powerful training

PG RewardsRewards and bonuses everyone can earn

PG Life KitsGet the right kit you need FAST. No password required.

Forms DepotDownload or order business forms, marketing materials and more

QoL Max Accumulator+ Non-medical UW Helpful facts and tips for fast track submission to approval

Underwriting PlaybookStay informed with the most current underwriting resources

INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACK

MASTER PLAYBOOKQoL

5

PRODUCT BUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG

aig.com/QoLMasterPlaybook

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). 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. Guarantees are backed by the claims-paying ability of American General Life Insurance Company.

AGLC110977 REV0618 © 2018 AIG. All rights reserved.

Financial Strength

■ AIG• Through asset sales and other actions by AIG, the Federal

Reserve, and Treasury, America recovered its $182.3 billion plus a combined positive return of $22.7 billion

• One of the greatest comeback stories in business history

■ Ratings for American General Life Insurance Company and The United States Life Insurance Company in the City of New York (as of 06/14/2017)

Agency Rating Descriptor

Standard & Poors

A+ (Strong)2

Companies rated A have strong financial security characteristics, but are somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.

Moody’s Investors Service

A2 (Good)¹

Companies rated A offer good financial security. However, elements may be present that suggest a susceptibility to impairment sometime in the future.

Fitch Ratings

A+ (Strong)2

Companies rated A have an excellent ability to meet their ongoing financial obligations to policyholders.

A.M. Best Company

A (Excellent)¹

Companies rated A have low expectations of default risk. The capacity for payment of financial commitments is considered strong. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings.

1. Outlook Stable 2. Outlook Negative

AGL and US Life have received strong financial strength ratings from independent ratings agencies, reflecting its financial stability and its ability to meet its obligations to its policy holders and others. For the most current ratings information please visit www.aig.com/investor-relations.

Ratings are current as of 06/14/2017 and subject to change at any time. Standard & Poor’s 21 ratings are a measure of claims-paying ability and range from AAA (Extremely Strong) to R (Regulatory Action). Moody’s Investors Service’s 21 ratings are a measure of financial security and range from AAA (Exceptional) to C (Extremely Poor). A.M. Best’s 15 ratings are a measure for claims-paying ability and range from A++ (Superior) to F (in Liquidation). Fitch Ratings’ 21 ratings are a measure of insurer financial strength and range from AAA (Exceptionally Strong) to C (Distressed). Only the fixed account protection features, income payments, and guarantees are backed by the claims-paying ability of the issuing insurance company.

Underwriting

■ Improved Underwriting• Enhanced service and more competitive offers:

~ Increased staff ~ Better responsiveness ~ More underwriter empowerment ~ Thorough communications ~ Enhanced risk profiles on Coronary Artery Disease and much more

• Non-med underwriting on QoL Max Accumulator for ages 0-59 with face amounts $50,000-$249,000

• Treadmill stress tests eliminated• Elimination of resting EKGs on cases through $10,000,000, up

to age 70.• Financial underwriting flexibility

~ No need for both Third Party Financials & tax transcripts when provided with substantive & effective financial justification for face amount

~ No tax transcripts required through $5 million face amount• MD Exams are eliminated for applicants under insurance age 71• Lab Scoring

~ Improved Communication On Adverse Results ~ Developing a credit for excellent lab scores

• Field Underwriting Guide

■ Programs• High Retention – $3.5m Term, $10m Permanent• Expanded Standard• Better Choice Preferred• Preferred Offsets• Healthy Credits

■ Competitive Advantages• Foreign Nationals and Foreign Travel, Cigar Smokers, SCUBA

Marketing Support

American General Life HIGHLIGHTS

INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTION

MASTER PLAYBOOKQoL

1

PRODUCT BUSINESS DEVELOPMENT DOING BUSINESS ABOUT AIG

aig.com/QoLMasterPlaybook

BOOST YOUR SUCCESS WITH THESE MUST HAVE TOOLS AND RESOURCES

NEXT

www.aig.com/qolmasterplaybook

Your go-to QoL resource

QoL

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

The Power of AIGAIG strength and

experience, premier protection and

proven solutions

AIG Keeping our Promises Customer service is at the heart of what we do

AGL Highlights and AIG Financial Fact Flyer Information and facts for our MGAs and Producers

Earning Your Trust Flyer Build consumer trust and confidence in AIG

AIG HistoryBrief highlights of our

beginning to AIG today