AMERICAN GENERAL
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The New American General Life Insurance
Company
American General Assurance Co.
(Illinois)
American General Life & Accident Insurance Co.
(Tennessee)
American General Life Insurance Company of
Delaware
SunAmerica Annuity and Life Assurance Company
(SAAL)
(Arizona)
American General Life
Insurance Company
(Texas)
SunAmerica Life Insurance Company
(Arizona)
Western National Life Insurance Company (WNL)
(Texas)
 Creates one of the largest, strongest and most diversified life insurance companies in the industry
 Balanced and extremely diversified book of business – life insurance, A&H, variable annuities, indexed annuities,

fixed annuities, immediate income annuities, group benefits, structured settlement annuities and other institutional
products
Makes it easier to do business with us – financial advisors only need to be appointed with American General Life
to sell our broad portfolio of products
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Financial Strength
Earning your trust
13 million
$38 billion
$91 billion
$917 billion
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Lives protected1
Claims paid over
past 5 years2
In total AUM3
Standard & Poor’sa A+
Strong
Moody's Investorsb A2
Service*
Good
Fitch Ratingsc
A+
Strong
A.M. Best
Companyd
A
Excellent
Life Insurance
in Force4
Source: Statutory Annual Statements as of December 31, 2012, for American
General Life Insurance Company (AGL) and The United States Life Insurance
Company in the City of New York (USL) for all lines of business including life,
annuities, accident & health, ordinary and group
2 Source: Statutory Annual Statements for AGL and USL 2008-2012
3 As of 12/31/2012; Source: AIG 4Q2012 Quarterly Financial Supplement
4Source: Statutory Annual Statements as of December 31, 2012, for AGL and USL
a Stable outlook
c Stable outlook
b. Stable outlook
d. Stable outlook
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AIG Represents a Significant Portion of the U.S.
Insurance Index
Market Capitalization of U.S. Insurance Companies Over $5 billion
$56
$42
$32
$27
$24
$23
$23
$15
$12
AIG
MET
TRV
PRU
AFL
ALL
CB
PGR
HIG
$10
PFG
$9
LNC
$9
$8
$7
CNA CINF UNM
$7
Y
$6
$6
WRB TMK
Source: Bloomberg as of 3/25/13. Excludes insurance brokers MMC and AJG.
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Leader in Product Innovation
GUL Innovation
Term Innovation
AG Secure Lifetime
GUL® & AG Secure
Survivor GUL
AG Select-a-Term® & AG
ROP Select-a-Term
Value-Packed GUL
with optionality
17 Durations to meet
client’s individual needs
IUL Innovation
Elite Index®
& Elite Survivor
Index®
AG Choice Index
GULSM
Classic Indexed UL
for Middle Income
Clients
Hybrid IUL/GUL
for Mass Affluent
Elite Global Plus II®
& Elite Global
Survivor®
First-to-Market
Global IUL for
Maximum Cash Value
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Guaranteed Universal Life
Protection with “Optionality”
AG Secure Lifetime GUL approved in all states
AG Secure Survivor GUL approved in all states except NY
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AG Secure Lifetime GUL/AG Secure Survivor GUL: The Basics
 Individual & Survivor GUL: competitive price with unmatched
flexibility
 Substantial Guaranteed Cash Value for future flexibility
 Guaranteed Access to cash without losing guarantee as needs
change
 Two-year rolling Targets on all UL products (except NY)
 Two Standard Classes on AG Secure Lifetime GUL
–
Standard Plus NT: may create a discount of nearly 15% for some
clients
–
Standard NT & T: includes up thru table 2 for issue ages thru 70
–
AG Secure Survivor GUL – traditional Standard classes; no Standard
Plus
 Markets
–
–
–
–
–
Lifetime Family Needs
Estate Planning/Liquidity
Wealth Transfer
Leverage Lifetime Gifts
Business Succession
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AG Secure Lifetime GUL “Optionality”
Also Available on AG Secure Survivor GUL
Unique Partial Withdrawal Capability
Access Cash and Preserve Death Benefit Guarantee
Male, age 65, PNT, guaranteed to 121
Face
$1M, gtd. to 121
Annual Premium
20,999
Guaranteed Cash at 85
$154,415
Face
$500K, gtd. to 121
50% Withdrawal at 85
$77,207
Annual Premium
$10,560
Guaranteed Cash
$77,207
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Lifestyle Income SolutionSM
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Case Study
 Paul age 55, plans to retire in about ten
years. His 401(k) is expected to generate
$2,000 per month for life. Paul estimates
he will receive $1,500 per month in Social
Security benefits, and he also has
$300,000 in a savings account.
 He plans to withdraw about $1,500 a
month from his savings account which,
when combined with social security and
his 401(k), should generate an income
stream of $5,000 per month.
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Guaranteed Withdrawal Benefits begin at age 85
$400,000
$490,000 Life Insurance Coverage
Reduction of Death Benefit as Guaranteed
Withdrawal Benefits are paid as income
$300,000
Remaining Death
Benefit $309,425
$200,000
$180,575 paid under
Lifestyle
Income Solution
$100,000
Income
Death at
age 95
$0
Age 65
Age 85
Age 95
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AG Secure Survivor GUL
®
 Survivor version of AG Secure Lifetime GUL
 Creates valuable long-term options for the policy
owner
1. Guaranteed Death Benefit
2. Guaranteed Cash Value
3. Guaranteed Access
 New 15 year ROP benefit
 High Rolling Targets
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AG Secure Survivor GUL: Return of Premium
Enhanced Surrender Value Rider (included at no charge)8
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•
Condition 1: Generally, policy has guaranteed period of age 100 or more
Condition 2: Surrender policy within 60 days after the end of the 15th year
Age 121
End of15th Year
Current Age
Guaranteed
Death Benefit
Guaranteed Premium
Return of ALL Premiums Paid
The Result

Policy owner will receive a FULL REFUND of ALL premiums paid
• Amount of refund is NOT contingent upon insurability of either insured
• If one insured has already passed, the remaining insured can still receive
full return of premiums paid
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Protection Guarantees with OptionalitySM
Adjust Death Benefit to Changing Needs
Adapt to changing circumstances — with the return of premium feature
AG Secure Survivor GUL®
John
(age 55)
Jennifer
(age 53)
 John owns a business. He and his wife, Jennifer, have 3 children.
 Their estate (business and home) is worth $6 million and estimated to be
valued at $10.8 million when John is 70, with estimated taxes of $4.7 million
under a standard credit shelter trust.
 At age 62, John plans to sell the business within 5 years, thereby becoming
liquid for the estate tax bill.
1. For the State of Texas as of December 10, 2012. Not an actual case, presented for illustrative purposes only. Guarantees are subject to the claims paying ability of the
issuing insurance company.
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FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC
Concerns…
 What if both John and Jennifer die?
 Their children will not have the liquidity to pay the
estate tax bill.
 They may be forced to sell the business or the home
in a rush.
 How can they cover their current and future liquidity
needs if John dies before the business is sold?
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FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC
Protection Guarantees with OptionalitySM
Solution Details
John and Jennifer
buy a $5 million AG
Secure Survivor GUL
policy for $48,129 per year for 20
years to cover current and
future liquidity needs, and to
guarantee coverage until John is
age 1211.
13 years
later …
AG Secure
Survivor
GUL
Preferred NonTobacco
Under the policy's no-cost Enhanced
Surrender Value Rider, if their business
sells, they can surrender the policy and
receive back all premiums ($721,935) at
the end of the policy’s 15th year.
John, now 68, sold his business 5 years ago to a competitor
who paid in 5-year installments. John received the final balloon
payment and the estate has the liquidity they need. John and
Jennifer pay their premiums for two more years and,
surrendering the policy at year 15, receive $721,935—a return
of all premiums paid.
1. For the State of Texas as of December 10, 2012. Not an actual case, presented for illustrative purposes only. Guarantees are subject to the claims paying ability of the
issuing insurance company.
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FOR PRODUCER USE ONLY-NOT FOR DISSEMINATION TO THE PUBLIC
Prudently Aggressive Underwriting
Focused underwriting teams provide one single point of
management for all of your cases: large or small, simple or complex
Competitive Offers
Multiple Improved
Offer Programs
High Retention
Limits
Foreign National /
Foreign Travel
Liberalized Standard
Plus
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Two Standard Classes
Standard Plus
Standard NonTobacco
Includes Table B or $5.00 flat
• Ages 18-70
• All Permanent Plans
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What does Standard Plus look like?
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Programs to Improve Underwriting Offers
Help your clients
get an upgrade
on their rating
Healthy
Credits
Preferred
Offsets
Better Choice
Preferred
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Better Choice Preferred
Many impairments can still get BEST CLASS
 Asthma
 Anxiety
 Depression
 Sleep Apnea
 Arrhythmia
 Epilepsy
 Crohn’s
 Liver Enzymes
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Preferred Offsets
 Offsets for:
• Build
• Family History
• Cholesterol
• Example:
10 - 12 pounds over can get BEST CLASS
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Healthy Credits
 1 Table or 1 Preferred Class upgrade
 4 out of 16 Healthy Credits can improve a case
 All Products
 Ages 41 – 70
 Face Amounts Through $60 million
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Case Study
Roger
Age:
60
Needs: $10 million AG Secure Lifetime GUL
History: Family History and Sleep Apnea
1) Better Choice Preferred  Move to Standard Plus
2) Preferred Offsets
 Move to Preferred NT
3) Healthy Credits
 Move to Preferred Plus
Standard Rate:
$201,397
Preferred Plus Rate:
$130,616
Savings:
$ 70,781
35% Savings
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Other Niches and Improvements
Ignore All Family History over age 65
Ignore Gender-Specific Cancer Family History
Example: Male client / Mother died from Uterine Cancer
Elevated Hemoglobin A1C  Possible Standard on A1C < 6.4
Treated Cholesterol can get Best Class
• Cholesterol up to 280 can still qualify for Preferred
Use Telephone Interviews to reduce APS orders
• Asthma, Sleep Apnea, Rx Clarify, Colitis, Drug & Alcohol, Seizure History
SCUBA: Up to 100 feet can get Best Class
• Up to 10 dives per year
• Certified or with a Dive Master
Cigar Use: One per week can get Best Class
• Negative Urine within the last 12 months
• Not a former cigarette smoker
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Foreign Travel
 Best Class for up to 8 weeks of travel to more than 200
countries around the
globe.
 Includes destinations in Asia, Africa, Central and South
America, and the Middle East.
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Foreign Nationals
 50 Approved Countries
 Foreign Nationals and Visa Holders
 Examples: Argentina, Brazil, Colombia, China, Hong Kong,
Japan, Mexico and Venezuela
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Foreign Nationals
Approved Countries*
Argentina
Costa Rica
Japan
Spain
Australia
Ecuador
Panama
Switzerland
Belgium
France
Peru
Taiwan
Brazil
Germany
Poland
UAE
Canada
Hong Kong
Singapore
United Kingdom
Chile
Italy
South Korea
Uruguay
Bahamas
India
Malaysia
Russia
China
Israel
Mexico
South Africa
Dom Republic
Jamaica
Philippines
Turkey
C
Honduras
Saudi Arabia
Venezuela
Vietnam
D
Colombia
A
B
* See Foreign National Guidelines for a complete listing
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Foreign Nationals
Rate Class & Coverage Amounts
Country
Code
Coverage Amount*
Rate Class
Term
Permanent
$3,500,000
$10,000,000
A
Best Class
B
Standard Plus
Not Available
$10,000,000
C
Std Plus and $2/1000
Not Available
$3,500,000
D
Std Plus and $3/1000
Not Available
$2,000,000
* Additional coverage may be available through reinsurance
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Master Playbooks
Marketing
www.americangeneral.com/masterplaybook
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Time Saving Portfolio
of Technology Solutions
Our eServices are designed
to make submitting, tracking
and delivering policies faster
and easier than ever:
•
•
•
•
Desktop
Web
Tablet
Mobile
AG Quick TicketSM is a simple
online process to submit cases
– on a computer or tablet –
at NO COST to you!
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Questions or Comments
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