FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICAll the information contained herein is confidential and proprietary and belongs solely to American General Life Companies. The unauthorized use, reproduction or disclosure of this information is prohibited.

2FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

This type of life insurance is a single

policy that covers two lives.

It pays the death benefit after both of

the people insured have passed away

and is typically more affordable than

purchasing two individual policies.

What is Survivor Life Insurance?

3FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Sales Applications

Estate Liquidity Supplemental Cash Flow

Charitable Gifts Wealth Transfer

Gifts to Grandchildren Insurance for Special Needs Children

Insuring the Uninsurable Business Applications

Sales Applications

4FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Life insurance is the least expensive method for providing cash for the payment of estate taxes.

Since 1981, the federal law has allowed one spouse to transfer all their property to the other spouse at death tax free.

This is the “unlimited marital deduction”.

If there is a federal estate tax due, it is not due until the second spouse dies.

What is Survivor Life Insurance?

These materials are not intended to provide an opinion or to give advice on particular situations. Please consult your attorney or tax advisor for complete up to date information concerning federal and state tax laws in this area. American General Life Insurance Company does not give legal or tax advice.

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Introducing our new, improved second-to-die GUL

We are excited to announce the elimination of premium caps in order to

provide more flexibility with case design for your clients.

AG Secure Survivor GUL II® is now particularly designed for 1035 and other shorter-pay scenarios.

Quotes now include the amount of the Enhanced Surrender Value Rider

(Return of Premium feature)

Optionality®— guarantees and flexibility for the estate planning market. (Guarantees are backed by the claims-paying ability of the issuing insurer)

Competitive level premium rates

AG Secure Survivor GUL II® now offering…

6FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Target MarketAG Secure Survivor GUL II®

Has a need for survivorship life insurance

Is age 50-75 and in reasonably good health

Is risk averse and concerned about the liquidity needs of their estate

Wants to leave as many of their personal or business assets as intact

as possible

May need their business to continue without interruption when they

die

May desire that their favorite charitable organization benefit from

their legacy

7FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Family NeedAG Secure Survivor GUL II®

Because one policy insures two people, AG Secure Survivor GUL II®

is typically more affordable for spouses than buying two individual

policies.

Liquidity needs frequently arise after the second death and AG

Secure Survivor GUL II® is a useful tool to fund estate and gift tax

obligations, or to replace assets gifted to charity.

AG Secure Survivor GUL II® is a flexible way to help equalize

inheritances among heirs. It can provide a specified, guaranteed

amount to one child to help equalize assets among several, when a

business interest or other major asset is being left to one only one

child.

8FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Business NeedAG Secure Survivor GUL II®

AG Secure Survivor GUL II® is

helpful in providing capital for

business planning and

succession. Life insurance is a

powerful tool to provide

working capital or ensure

business continuity at the

death of a business owner or

key employee.

9FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Policy SpecificationsAG Secure Survivor GUL II®

Minimum Death Benefit $100,000 at issue ($50,000 after partial withdrawal)

Issue Ages 20-90; 20-80 Preferred Plus Non-Tobacco

Underwriting Classifications Preferred Plus Non-Tobacco Preferred Non-Tobacco Standard Non-Tobacco Preferred Tobacco Standard Tobacco Special (Substandard) Non-Tobacco Special (Substandard) Tobacco

Death Benefit Options Option 1 (Level Death Benefit) – Death benefit equal to the specified amount

Interest Rate Guaranteed interest rate 2.00 percent all years

10FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Policy SpecificationsAG Secure Survivor GUL II®

Changes to the Specified Amount Increases available at any time both insured’s are under 90, subject to satisfactory evidence of insurability (this will void the guaranteed cash value provision)

Decreases available any time after first policy year*

Monthly Deductions and Premium Load Current monthly administration fee of $8 (maximum charge of $10)

Monthly expense charge per $1,000 of specified amount (varies by issue age, sex, and underwriting classification)

Current charge of 8.00 percent of all premiums (maximum 10.00 percent)

*The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $100,000. A change in the policy will not be permitted if the change would result in the policy’s not meeting the definition of life insurance under Section 7702 of the Internal Revenue Code. The policy owner should consult a tax advisor to determine the effect of these provisions.

11FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Policy SpecificationsAG Secure Survivor GUL II®

Surrender Charges Decreasing 19-year surrender charge schedule

Withdrawals1

(Partial Withdrawals) Available any time after the fifth

policy year A partial withdrawal of the cash value

will result in a proportional reduction of required premium, accumulation value, specified amount, and death benefit amount2

Death benefit cannot be reduced below $50,000 as a result of the withdrawal

Current charge of $25 for each withdrawal (maximum contractual charge of $50 for each withdrawal)

1Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $100,000.2A change in the policy will not be permitted if the change would result in the policy’s not meeting the definition of life insurance under Section 7702 of the Internal Revenue Code. The policy owner should consult a tax advisor to determine the effect of these provisions.

12FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

RidersAG Secure Survivor GUL II®

Enhanced Surrender Value Rider

Return of premium rider provides a one-time option for an enhanced full

surrender, during a 60-day period following the end of policy year 15

The amount of the enhanced cash surrender value is typically a percentage of the

total premium paid, net of partial withdrawals and outstanding loans

There is no charge for this optional rider; it will be attached at issue and cannot be

terminated by policyowner request

13FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLICFOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

RidersAG Secure Survivor GUL II®

Four-Year Term Rider

Estate protection rider provides last survivor term insurance coverage during the

first four policy years

The additional death benefit is equal to 125 percent of the policy’s initial specified

amount

There is a charge for this optional rider; it can only be added at issue and

terminates after four years

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Optionality®

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Optionality: Adjust the Benefit

Adjust the Death Benefit in the Future1

• As a client’s needs change, the death benefit can be lowered

• Lowering the benefit means pro-rata lower premium

• While still maintaining an adjusted guaranteed death benefit

1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee.

Initial GuaranteedDeath Benefit

Current Age

MaturityAdjustment

New GuaranteedDeath Benefit

Initial Guaranteed Premium Pro-rata Guaranteed Premium

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Unique Package of Guarantees

Uncommon flexibility to respond to life’s changing needs

Access1

Access cash value & preserve proportional guarantees

Enhances future flexibility and choice as needs change

Distinctive among GUL products

1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee.

17FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Flexibility and Choice

Partial Withdrawal Capability

Access Cash and Preserve a lower Death Benefit Guarantee1

$500,000 face, guaranteed to age 121

$ 10,560 annual premium

$ 77,207 guaranteed cash value at age 85

1 Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. The reduction in specified amount will be subject to the same guidelines and restrictions as outlined in the policy. The resulting remaining death benefit amount must be no less than $50,000. Accessing cash values may affect the continuation guarantee.

Male, Female age 65 PNT

Assume 50% withdrawal at age 85 - $75,386 (less withdrawal fee)

Ongoing Proportional Guarantees

$1 million face, guaranteed to age 121

$ 13,061 annual premium

$150,772 guaranteed cash value at age 85

Maturity

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Offer your clients two opportunities for return of

their premiums with

AG Secure Survivor GUL II®

Optionality®

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Male and Female, both age 50 preferred non tobacco*

Death benefit $3 million, guaranteed to age 100

Total premium paid in a 10- pay scenario: $428,143

Optionality in action

At the end of year 15, they could choose to exercise the return of premium

feature and receive back $428,143 or

Continue their guaranteed coverage until year 32, when the insureds are age

82, and their guaranteed cash surrender value is $459,895

* For the State of Texas as of 9/20/2013. Not an actual case, presented for illustrative purposes only. Guarantees are subject to the claims paying ability of the issuing insurance company

The Concept

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Quoting the Enhanced Surrender Value Rider

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23FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Questions or Comments

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Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway,

Houston, Texas 77019. AG Secure Survivor GUL II Policy Form Numbers 13239, ICC13-13239;

Enhanced Surrender Value Rider Form 11990, ICC-11990 Four Year Term Rider Form Number

01904. The United States Life Insurance Company in the City of New York, One World

Financial Center, 200 Liberty Street, New York, New York 10281. The underwriting risks, financial

and contractual obligations and support functions associated with products issued by American

General Life Insurance Company (American General Life) and The United States Life Insurance

Company in the City of New York (United States Life) are the issuing insurer’s responsibility. All

guarantees are subject to the claims-paying ability of the issuing insurance company. United

States Life is authorized 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 a group of affiliated domestic life insurers including American General Life and

United States Life.

AGLC107412

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