Introducing the
Accelerated Access Solution®
Optional Living Benefit Rider for Value+ IUL
Presented by…
Policies issued by American General Life Insurance Company, a member company of AIG
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
Product Availability
Value+ IUL
AG Secure Lifetime GUL® II
AG Platinum Choice VUL
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Health Care Statistics You Should Know
About 91%
of older adults have at least one chronic condition,
and 73% have at least two.1
9 in 10 people
who go on long-term care claims do not recover.
Only 10% of the market would have what turns
out to be a non-permanent condition.2
4 in 5 people (80%)
live in private homes where about 80% of the care
is provided by family and friends.3
1National
Council on Aging: www.ncoa.org/improve-health/center-for-healthy-aging/chronic-disease, 2014
Department of Health and Human Services website: longtermcare.gov/the-basics/who-will-provide-your-care, 2014
3Congressional Budget Office based on data from Medicare Current Beneficiary Survey, Access to Care files,
2010.
2U.S.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Health Care Statistics You Should Know
$220,000 for out-of-pocket medical expenses
= the healthcare costs throughout retirement
for an average 65-year old couple retiring now1
73% of respondents
to a recent survey say serious health problems
are their major worry about living to 1002
1Fidelity
2The
Benefits Consulting study 6/11/2014
2Q11 SunAmerica Retirement Re-SetSM Study conducted by Harris Interactive surveyed a national sample of adults age 55+.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
A life insurance rider that can provide access to income tax-free death
benefits while the insured is living to help pay for expenses related to a
chronic illness.1
The funds can be used to help pay for:
Adult Daycare
Assisted Living
Family Care
Nursing Home Care
Virtually any expense,
even those unrelated to the illness
1Insured must be certified as chronically ill by a Licensed Health Care Practitioner and meet all eligibility requirements. Income tax free amounts are
subject to limitations under IRC section 101(g).
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
May be Ideal for Consumers:
 That know they need long-term life insurance protection
 Desire access to funds for potential future chronic care expenses
 Have experienced a recent care event with a family member or friend
 Living a healthy lifestyle but want options in the event their health
deteriorates
 Are reluctant to purchase stand-alone Long Term Care insurance
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Benefits of Accelerated Access Solution
 No waiting period
– Benefits are available at the time the policy is issued
– Subject to 90-day elimination period
 Optionality in payouts
– Policy owner selects the monthly payout option that’s best for them
– THREE different choices available
• 2%; 4%; or per diem
 Guaranteed benefits
– No increases in rider costs or decreases in benefits paid due to
changing market conditions
 Waiver of monthly deduction
– Policy payments stop for as long as policy owner meets the chronic
illness requirement
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
More Benefits of Accelerated Access Solution
 Flexible options with total benefit amount
– select any amount between 50% -100% of the base policy death
benefit amount
 No receipts required
– Benefits paid irrespective of actual costs incurred
 Not a “use or lose it” policy
– Benefits are paid no matter what…either when the chronic illness
requirement is met or via death benefits
 Control over how money is spent
– Up to the policy holder how the funds are used, not restricted via the
policy
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Activation of the Accelerated Access Solution
To activate the rider, one of the following health impairment criteria
must be met:
1. Insured is unable to perform without substantial assistance from
another person two of the Activities of Daily Living (ADLs) and the
condition is expected to be permanent.*
Activities of Daily Living:
 Bathing
 Continence
 Dressing
 Eating
 Toileting
 Transferring
*Annual re-certification is required.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Activation of the Accelerated Access Solution
To activate the rider, one of the following health impairment
criteria must be met:
2.Insured requires substantial supervision from threats to health
and safety due to a severe cognitive impairment (similar to
Alzheimer’s and similar forms of irreversible dementia) that is
measured by clinical evidence and standardized tests that is
expected to be permanent* measuring:
– Short-term or long-term memory
– Orientation as to people, places or time
– Deductive or abstract reasoning
When one of the two criteria is met and
the 90 day elimination period is satisfied,
the monthly benefit payments begin.
*Annual re-certification is required.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Specifications
 101(g) Rider
– Chronic Illness, not Long Term Care
 No additional agent licensing requirement
 COI Charge (rather than an adjustment at time of claim)
 Dollar-for-Dollar offset of death benefit during payments
 2 of 6 ADL’s or Cognitive Impairment
– Expected to be permanent
 Waiver of Monthly Deductions
– Monthly deductions are waived for the entire policy and all company riders
as long as the policy owner meets the chronic illness requirements
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution Specifications
 Issue Ages 18 – 80
 Must be added at policy issue
 Benefit Amount Limits (selected at purchase):
– Minimum Accelerated Benefit $50,000
– Maximum Accelerated Benefit $1,500,000
 Benefit Percentage Limits (selected at purchase):
– Minimum Accelerated Benefit = 50% of DB
– Maximum Accelerated Benefit = 100% of DB
 Available through Table D
 Indemnity, not Reimbursement
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Optionality in Payouts
The client gets to decide the payout option:
 2% of the Accelerated Access Solution benefit per month, or
 4% of the Accelerated Access Solution benefit per month, or
 The government-regulated maximum Per Diem amount in effect
at the time the client claims benefits
– 2015 Per Diem Maximum $330 per day ($118,800 year)
– Per Diem is indexed for inflation
 If the 2% or 4% options generate a monthly benefit in excess of
the Per Diem in effect at the time of claim, the monthly benefit
paid will not exceed the maximum Per Diem at the time of claim
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
How It Works…
 The Terminal Illness Rider1 must always be selected (no charge)
 The monthly cost of the A.A.S. rider will vary based on:
–
–
–
–
The accelerated benefit amount option chosen
Issue age
Gender
Underwriting class
 Once the insured meets the health impairment criteria:
– Premium requirements stop
– The death benefit is reduced by the benefit amount paid to the
policy owner, dollar-for-dollar
– Benefits received are generally income-tax free2
– Remaining death benefit is paid to the beneficiaries income-tax free
1Terminal Illness Rider requires diagnosis of a 24 months or less life
expectancy. Except for the state of Connecticut where it is 12 months or less.
2Based on current federal income tax laws.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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What if the insured gets better?
 We don’t expect anyone to come off of an Accelerated Access Solution
claim since the chronic illness is expected to be permanent in order to
qualify for benefits.
 While on claim, all monthly deductions and charges are waived.
 If a miracle occurs and the insured comes off claim, the monthly
premiums will begin at a new, lower rate that will need to be
recalculated at that time.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
What if the insured gets better?
– No back payments are required for the time period the insured was on claim
– The lower premium rate will be less than the original premium paid prior to
claim due the reduced death benefit and reduced AAS benefit.
– The new premium rate calculation is dependent on how long the policy was in
force prior to the claim, the age of the insured etc.
– Two simple rules of thumb:
• The longer the policy is inforce prior to going on claim, the lower the post recovery
premium will be.
• The more benefits the insured uses while on claim, the lower the post recovery
premium will be.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Accelerated Access Solution
How It Works…
The insured will become eligible for the Accelerated Death
Benefit when each of the following conditions are met…
 American General Life must receive a written request for the
Accelerated Death Benefit
 American General Life must receive Written Certification of
impairment from a Licensed Health Care Practitioner
 American General Life must receive written consent from any
irrevocable beneficiaries or assignee of record named in the policy
 The 90 day Elimination Period has been satisfied; and
 The insured is Chronically Ill at the time a benefit payment is made
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Let's Look at an Example…
 55 Male Preferred Non-Tobacco
 Purchases a $800,000 Value+ IUL
 Elects to add the Accelerated Access Solution
– The client elects to accelerate 50% ($400,000) of the death benefit
if he becomes chronically ill
– He elects the 2% monthly payout option
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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The Result…
If he becomes chronically ill and elects to activate the rider
he would be able to begin accelerating $8,000 per month.
Death Benefit $800,000
Accelerated Access
Solution
Acceleration Amount $400,000
2% Monthly Payout
Option
$8,000 per month
Payout Duration
4 years, 2 months
($400,000 x 2%)
($400,000 ÷ $8,000 = 50 months)
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
How Long Will It Last?
100% Acceleration
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$3,000
50
$6,000
25
$9,900
15
Year 10
$3,000
50
$6,000
25
$12,500
121
Year 20
$3,000
50
$6,000
25
$12,500
121
Year 30
$3,000
50
$6,000
25
$12,500
121
$500,000 DB
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$9,900
50
$9,900
50
$9,900
50
Year 10
$10,000
50
$14,555
34
$14,555
34
Year 20
$10,000
50
$20,000
25
$21,546
23
Year 30
$10,000
50
$20,000
25
$31,893
15
$150,000 DB
*Per
Diem based off of 2015 amount increasing at 4% per year.
Number of months are rounded down to whole numbers.
1Minimum
payout period is 12 months the per diem numbers have
been adjusted to reflect this.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
How Long Will It Last?
100% Acceleration
$1,000,000 DB
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$9,900
101
$9,900
101
$9,900
101
Year 10
$14,555
68
$14,555
68
$14,555
68
Year 20
$20,000
50
$21,546
46
$21,546
46
Year 30
$20,000
50
$31,893
31
$31,893
31
$1,500,000 DB
2% Payout
How Many
Months?
4% Payout
How Many
Months?
Per Diem*
How Many
Months?
Year 1
$9,900
151
$9,900
151
$9,900
151
Year 10
$14,555
103
$14,555
103
$14,555
103
Year 20
$21,546
69
$21,546
69
$21,546
69
Year 30
$30,000
50
$31,893
47
$31,893
47
*Per
Diem based off of 2015 amount increasing at 4% per year.
Number of months are rounded down to whole numbers.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Supplemental Application for Chronic Illness ABR
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Supplemental Application Knock-Out Questions
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Supplemental Application Additional Questions
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Running WinFlex
Illustrations
w/ AAS
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
WinFlex Warning Messages
“The accelerated amount is below the
minimum allowable for the rider, and has
been increased to the minimum amount.”
Example
Amounts
Face Amount
$50,000
Accelerated Percentage
50%
Accelerated Amount
$25,000
Minimum Accelerated Amount
$50,000
Accelerated Percentage Adjusted to 100%
$50,000
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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WinFlex Error Messages
“The face amount exceeds the maximum allowable of
$3,000,000 for the AAS. Please reduce the face amount.”
Example
Amounts
Face Amount
$10,000,000
Selected A.A.S. Benefit (max.)
$1,500,000
Max. A.A.S. Benefit = $1,500,000
DB cannot exceed 2x the A.A.S. benefit (50%)
DB Adjusted to the Maximum
$3,000,000
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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WinFlex Warning Messages
“The accelerated amount exceeds the
maximum allowable for this rider, and has
been reduced to the maximum amount.”
Example
Face Amount
Accelerated Percentage
Amounts
$2,000,000
80%
Accelerated Amount
$1,600,000
Max Accelerated Amount
$1,500,000
New Accelerated Amount
$1,500,000
Adjusted Percentage
75%
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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WinFlex Warning Messages
“The Monthly Benefit selected exceeds the 2015 IRS maximum per-diem
amount prescribed by the IRS. The maximum monthly benefit may not
exceed the per-diem amount in effect at the time you make your claim for
benefits. However, the total aggregate benefit will not be reduced.”
Example
Amounts
Face Amount
$1,000,000
Accelerated Percentage
50%
Monthly Benefit Payout Percentage
4%
Monthly Benefit
$20,000
(1M x 50% x 4% = 20K)
IRS Per Diem 2015
$9,900
Monthly Benefit Adjusted to
$9,900
Total Benefit Payable = $500,000
Not an actual case, and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Sales Ideas
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Problem: Chronic Illness Hits Close to Home
 Lisa is a 50 year old recently divorced mother of 2 children (ages 15 and 14),
whose mother recently passed away.*
 Due to Lisa’s mother’s advanced Alzheimer’s, Lisa spent a lot of time caring
for her mother due to insufficient funds for a nursing facility.
 Lisa is concerned about what would happen if she were to contract some type
of chronic illness or much worse if she were to pass away unexpectedly.
 She doesn’t want to rely upon her children to care for her or leave them
without the necessary funds to continue on after her passing.
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life insurance you don’t have to die to use
 Lisa meets with her financial professional, Greg, to discuss options to help
protect her and her family in the event of an untimely death or a chronic
condition.
 Greg explains that there are now life insurance products with optional chronic
illness riders that can protect her from both sets of risks.
 Greg presents two options:
 1) a guaranteed universal life (GUL) policy (AG Secure Lifetime GUL® II) and
2) an index universal life (IUL) policy (Value+ IUL).
 Both options have the same chronic illness rider, the Accelerated Access
Solution.
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life insurance you don’t have to die to use
 Comparing the two options for a $500,000 life insurance policy, Greg explains that not
only does the Value+ IUL offer strong guaranteed protection to age 81 it requires a
lower premium which would save Lisa $42 a year over the GUL option.
 The Value+ IUL also offers unique liquidity options coupled with the Accelerated
Access Solution making it a very unique and valuable product solution.
 Greg then goes on to explain the liquidity options as outlined next.
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Life insurance you don’t have to die to use
 With Optionality® built into the policy
Lisa has the following choices in regard
to the chronic illness rider:
 Choose an Accelerated Access
Solution total benefit amount anywhere
between $250,000 and $500,000.
 Three monthly benefit payment options
as shown in the chart to the right.
 Lisa chose the 100% total benefit
option giving her a $500,000
Accelerated Access Solution benefit.
 She also chose the per diem benefit
payment option at the time of
purchase.
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Fast Forward
 Lisa decides to purchase the $500,000 Value+ IUL life insurance policy with
an initial per diem AAS benefit of $9,900.
 Not only does it offer her chronic illness protection but also provides a
premium savings and unique liquidity options that the GUL does not.
 Twenty years goes by and Lisa suffers a stroke but has the ability to access
her death benefit while she is alive to pay for the cost of the care needed and
thus does not have to place the burden of that expense on her children who
are just starting out in their careers and do not have any large savings to pull
from.
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Additional Benefits of Value+ IUL
1 Under current federal tax law, partial withdrawals are reportable to the policy owner and may be taxable. Limitations apply.
2 Option election date is at the end of the 20th policy year (for issue ages 0-64) and the later of age 85 or the end of the 5th policy year
(for all issue ages).
3 The Benchmark Premium is a level annual premium which is intended to carry your policy to or close to maturity on a current (nonguaranteed) assumption basis assuming 1) a 6% illustrated
rate and 2) that premiums have been paid on time at the beginning of each policy year.
4 Option election date is at the end of the 20th policy year for issue ages 0-64 or the later of age 85 or the end of the 5th policy year for
issue ages 65-85
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Problem:
Concerns that the rising cost of healthcare
will outpace his chronic illness protection
 Jonathan is a 40 year old husband with three children1. He is concerned
about protecting his family from an untimely death but is also aware of the
impact that a major chronic illness could have on his finances and family’s
well-being.
 One of his close friends was recently in a car accident that left him
permanently unable to perform two of the six activities of daily living and
Jonathan has seen first hand how expensive care can be.
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Upside potential with downside protection
coupled with a chronic illness rider
 Jonathan meets with his financial professional, Morgan, to discuss some
ways to protect his family.
 Morgan presents Jonathan with a proposal for a life insurance policy
coupled with a chronic illness rider.
 He explains how an index universal life (IUL) policy could provide some
unique options compared to other life insurance contracts.
 The main benefit of IUL is it provides the opportunity for the cash value to
grow based in part on some outside index.
 This could be beneficial for Jonathan because, over time, if the cash value
grows high enough, it could increase the death benefit amount.
 That could increase the payout Jonathan would receive under the chronic
illness rider (up to a maximum $1.5M).
Not an actual case and is a hypothetical representation for illustrative purposes only.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Solution:
Upside potential with downside protection
coupled with a chronic illness rider
 The product Morgan presents is the Value+ IUL coupled with the Accelerated Access Solution
chronic illness rider.
 He explains to Jonathan that this IUL also offers a unique index strategy called the ML Strategic
Balanced IndexTM which could help decrease the volatility in the contract and help to potentially
increase the cash value
 Morgan describes the IRS per diem payout option on the chronic illness rider which increases
along with the IRS per diem that can act as a natural hedge against the future rising cost of
healthcare.
1 Not an actual case and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Fast Forward
 Jonathan decides to purchase the Value+ IUL with the Accelerated Access
Solution.
 Owning the policy gives him peace of mind that if he were to pass away
unexpectedly, his family would be protected.
 Luckily that didn’t happen.
 But at age 80, Jonathan suffers a severe stroke leaving him unable to perform
 two of the six activities of daily living on a permanent basis. He elects to activate the
Accelerated Access Solution and accelerate the maximum monthly amount of
$47,530.1
 And since this is an indemnification chronic illness rider (no receipts required)
Jonathan can use the funds for anything he wants, even those items unrelated to
the illness.
1 Non-gauranteed projection shows IRS Per Diem increasing at an annual rate of 4% with a monthly payout being paid
out over a minimum 12 month calendar period.
Not an actual case and is a hypothetical representation for illustrative purposes only.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
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Care Coordination Program
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Care Coordination Program
AGL offers services to help the insured locate and choose a provider
through its “Care Coordination Program”.
American General Life has partnered with the nation’s largest
administrator of long-term care insurance (Long-Term Care Group, Inc.
or LTCG™), to arrange the long-term care services at no cost to
policyholders.
This free benefit, called the “Care Coordination
Program”, is completely optional and available on all policies with the
Accelerated Access Solution chronic illness rider.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Care Coordination Program
This program offers access to Care Management professionals that can
provide information to support a search for a caregiver or facility that is right for
each family’s situation as well as assistance to:
 locate a qualified caregiver, long term care facility or home-delivered meals provider
 develop a plan of care to ensure all your needs are met
 direct you to organizations with expertise in your disabling condition
 set up your first home care visit
 understand the steps involved in moving into a long term care facility
 help you understand the cost of long term care and how you will be billed for the
services you receive
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Questions?
For additional information, please contact your American General Life Companies
representative or visit our producer web site at http://eStation.americangeneral.com
National Sales Desk can be reached at 1-800-677-3311
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Important Information
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performance. Index annuities and stocks have different tobjectives and time horizons and are subject to different tax treatments.
Stocks are subject to risk, including the possible loss of principal. Stock gains may be subject to ordinary income or capital gains
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(“SPDJI”), and has been licensed for use by American General Life Insurance Company and affiliates. Standard & Poor’s,®
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Important Information
Information about the ML Strategic Balanced IndexSM The ML Strategic Balanced IndexSM provides systematic, rulesbased access to the blended performance of two underlying indices—the S&P 500 (without dividends), which serves to represent
equity performance, and the Merrill Lynch 10-year U.S. Treasury Futures Total Return Index, which serves to represent fixed
income performance. To help manage overall return volatility, the Index may also systematically utilize Cash performance in
addition to the performance of the two underlying indices. Important Note: The ML Strategic Balanced Index embeds an annual
index cost in the calculations of the change in Index Value over the Index Term. This “embedded index cost” will reduce any
change in Index Value over the Index Term that would otherwise have been used in the calculation of index interest, and it funds
certain operational and licensing costs for the index. It is not a fee paid by you or received by the Company. The Company’s
licensing relationship with Merrill Lynch, Pierce, Fenner & Smith Incorporated for use of the ML Strategic Balanced Index and for
use of certain service marks includes the Company’s purchase of financial instruments for purposes of meeting its interest
crediting obligations. Some portion of those instruments will, or may be, purchased from Merrill Lynch, Pierce, Fenner & Smith
Incorporated or its Affiliates. Merrill Lynch, Pierce, Fenner & Smith Incorporated and its affiliates (“BofA Merrill Lynch”) indices
and related information, the name “BofA Merrill Lynch”, and related trademarks, are intellectual property licensed from BofA
Merrill Lynch, and may not be copied, used, or distributed without BofA Merrill Lynch’s prior written approval. The products of
licensee American General Life Insurance Company] have not been passed on as to their legality or suitability, and are not
regulated, issued, endorsed, sold, guaranteed, or promoted by BofA Merrill Lynch. BOFA MERRILL LYNCH MAKES NO
WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY INDEX, RELATED INFORMATION, ITS TRADEMARKS,
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Incorporated, which has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) to calculate and maintain
the Index. The Index is not sponsored by S&P Dow Jones Indices or its affiliates or its third party licensors (collectively, “S&P
Dow Jones Indices”). S&P Dow Jones Indices will not be liable for any errors or omissions in calculating the Index. “Calculated
by S&P Dow Jones Indices” and the related stylized mark(s) are service marks of S&P Dow Jones Indices and have been
licensed for use by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
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FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Important Information
Policies issued by: American General Life Insurance Company (AGL), Form Numbers 13460, ICC13-13460, ICC14-14779,
14779; Rider Form Numbers 13600, ICC13-13600, 13601, 13972, 82001, CA WMDR 82001-5 Rev0914. 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 the issuing insurance company. 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.
American General Life Insurance Company and their distributors and representatives may not give tax, accounting or legal
advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties.
Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are
subject to legislative modification, and while many such modifications will have only a prospective application, it is important to
recognize that a change could have retroactive effect as well. Individuals should seek the advice of an independent tax advisor or
attorney for more complete information concerning their particular circumstances and any tax statements made in this material.
AGLC108525REV0715
© 2015. All rights reserved.
49
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries.. AIG companies serve commercial, institutional, and individual
customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the
United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange.
Additional information about AIG can be found at www.aig.com | YouTube: www.youtube.com/aig | Twitter: @AIG_LatestNews | LinkedIn: http://www.linkedin.com/company/aig
AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our
website at www.aig.com. All products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Products or services may not be available in all countries, and
coverage is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines
insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.