FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 1

[Date]

[Presenter Name][Presenter Title]

Help Add Critical Illness to aBusiness Owner’s Succession Plan

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 2

IMPORTANT INFORMATIONFOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION

While this information is general in nature, applicable laws and regulations are complex and subject to change. All companies mentioned, their employees, financial professionals and other representatives are not authorized to give legal, tax or accounting advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Policies issued by: American General Life Insurance Company (AGL), Policy Form Number 05130. AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. AGL does not solicit business in the state of New York. Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Please consult the policy form and outline of coverage for details. Comprehensive medical coverage may be required in some states in order to apply for or maintain the policy. Advanced Markets is a marketing unit of AGL.

© AIG 2014. All rights reserved. AGLC108236

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION

A reason to call…

Want a Reason to MeetWith Business Owners?

A Reason They Haven’tHeard Before?

Want to Offer a Client’s Attorney Something New and Valuable?

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 4

Did you know…

Over half of all business owners do not have a formal written business succession plan1;

For those that do, it is very unlikely that their buy-sell agreements cover critical illness (CI) as a triggering event for a buyout;

A 40-year-old male is over five times more likely to suffer a critical illness than an untimely death prior to age 65 (for a female, over four times)2

By age 55, this number climbs to over eight times for a male (six times for a female)2

1 LIMRA Small Business Consortium Study, 2013.2 American General Life Insurance Company Critical Illness Actuarial Study of Claims Paid, 2009.

Now you have a reason to reach out to reach out to every current and prospective business owner client and their attorneys.

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION

Current Plan…

5

How does it work?

BobContinues pay from profits while unable to work

Buy-SellAgreementwithout CI

WIDGETS, INC.

Jeff

Bob

Critical Illness Event

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION

Proposed Plan…

6

How does it work?

Buy-SellAgreement

with CI

WIDGETS, INC.

Jeff

Bob Bob

CriticalCare Plus® Policy

on JeffCriticalCare Plus® Policy

on Bob

Buys CI policies

Critical Illness Event

CriticalCare Plus® Policy

on BobPolicy pays Widgets, Inc.

Widgets, Inc. buys out Bob

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 7

Two ways to approach the opportunity…

1. To the Business Owner…

“I’ve just been made aware of an important issue facing most business owners – a situation about which they are likely ill-prepared. I’d like to meet with you to discuss your business succession plan and the shortcoming that could put your business and your family at risk. In advance of our meeting, I’ll forward you an informational flyer that will prepare you for our discussion.”

Email or send:“What if…Critical Illness Buy-Sell” flyer

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 8

Two ways to approach the opportunity…

2. To the Client’s Attorney…

“I’ve just been made aware of an important issue facing most business owners – a situation about which many are unaware. I’d like to meet with you to discuss an important bulletin that I have just received from AIG’s Advanced Markets team – a group of experts that provides me up-to-date planning information. I’ll send you the bulletin in advance.”

Email or send:Advanced Markets “OnTopic” bulletin

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION

A reason to call…

Why Should I Do This?

What Support Will There Be?

Who Do I Call forMore Information?

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 10

The reasons why…

The odds are high that this issue has not been addressed by either the business owner or their attorney;

Very few advisors are discussing this with their business owner clients. This approach will differentiate you from your competition;

You have a new product to sell – CriticalCare Plus®. Don’t let someone else put this form of coverage in place ahead of you;

This approach will get you in front of business owners, talking about their succession plan – opening the door to numerous planning opportunities;

Provides a natural lead-in to a life insurance sale. Maybe their buy-sell isn’t funded yet. Maybe a retirement discussion leads to other product sales.

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION 11

The support you need… Critical Illness Buy-Sell Agent flyer

CriticalCare Plus® playbook

NEW! Top 10 Reasons to SellCriticalCare Plus® flyer

NEW! Understanding Critical IllnessInsurance flyer

Support and Training: Call AIGA&H marketing support – (877) 399-7747

Got a Case and Need Help?: Contact AIG Advanced Markets – (855) 323-6923 or advancedmarkets@aig.com.

FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION

Thank you…