Introducing…
Elite Global Plus® II*
Fixed index interest universal life insurance
Presented by…
*Currently not approved in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Agenda:
 Target Market
 Index Strategies
 Product Specifications
 Competition
 Sales Concepts
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Elite Global Plus II:
The next generation IUL, positioned to outperform
the competition. American General Life Companies
pioneered global index universal life. Our innovation in
interest crediting methodologies and diversity of
global indices make Elite Global Plus II a compelling
choice for today’s clients who seek protection and
cash accumulation.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Indexed Universal Life
*From the 2011 Retirement Re-Set Study by American General, as part of
SunAmerica Financial Group, with Harris Interactive and Age Wave.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Target Market
Strongest accumulation potential of our UL
products, perfect for supplemental retirement
funding and other future income stream
needs.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Target Market

Each policy is designed for clients in the 35-to-70
age bracket who want long-term death benefit
protection with the potential for high cash value
accumulation.

Each is applicable in all sales situations where
current values are important, and is best suited for
customers with a death benefit protection need of
20 years or more.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Target Market
 Each life insurance policy was designed to produce
strong accumulation growth when heavily funded.
 As a result, it performs best when heavily funded and
with short-pay scenarios.
 When paying significantly less than the maximum 7pay premium, our other index universal life products
may provide better death benefit protection and cash
value accumulation.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
TOP Reasons…
 Unsurpassed innovation in interest crediting methodology: Two
crediting options plus overweighting 2 of 3 best performing
indices for potentially higher interest crediting rates*.
 More diversity than other carriers: three global indices: S&P 500,
EURO STOXX and Hang Seng*.
 Strongest accumulation potential of UL products, perfect for
supplemental retirement funding and other future income stream
needs.
* Global indices available on 5-year index interest account option only; not
available in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
What’s New?
 Choice Loans option allows improved income stream options
with more flexibility to access cash value. Plus, loan amounts
remain in the accounts eligible for index or declared interest.
 One-year point-to-point fixed index interest account with Index
Cap Rider provides an S&P 500 – only allocation option.
 Higher targets: 24 month rolling targets* materially improved:
between 20% and 60% depending on age.
 Improved cap and participation rates: 5-year* participation rate
65% and 1-year cap rate 10.75%.
* Global indices available on 5-year index interest account option only; not
available in New York.
*Rolling targets not approved in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Interest Crediting Options
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Three Interest Crediting Options
Declared Interest Account
 Current declared rate 3.00%
 2.00% minimum annual guarantee
One-Year Index Account
 1-year point-to-point linked to growth of S&P 500®
 10.75% current cap and .25% minimum annual guarantee
 Current maximum illustration rate: 6.76%
Five-Year Index Account
 5-year point-to-point linked to growth of 3 global indices
 Formula overweights top two performing indices (75/25/0)
 65% current participation rate and 0% minimum annual guarantee
 Current maximum illustration rate: 9.28%
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Index Interest Account with Index Cap
Anniversary-to-anniversary hypothetical growth in the S&P 500 is
18.00 percent, which is greater than the 10.00 percent assumed
cap rate.
 Guaranteed interest credited during the year....................0.25%
 Index interest credited at the end of the year.....................9.75%
Difference between 10.00 percent cap rate and 0.25 percent
guaranteed interest credited during the index account year)
 Total Interest credited during the index account year......10.00%
(less policy charges, loans, withdrawals)
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Index Interest Account with Index Cap
Anniversary-to-anniversary hypothetical growth in the S&P 500 is
9.00 percent, which is less than the 10.00 percent assumed cap
rate. and greater than the guaranteed interest rate
 Guaranteed interest credited during the year................... 0.25%
 Index interest credited at the end of the year.............. .....8.75%
(Difference between 9.00 percent growth and 0.25 percent
guaranteed interest credited during the index account year)
 Total interest credited during the index account year........9.00%
(less policy charges, loans, withdrawals)
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Index Interest Account with Index Cap
Anniversary-to-anniversary hypothetical growth in the S&P 500 is
-5.00 percent, which is less than the guaranteed interest rate.
 Guaranteed interest credited during the year....................0.25%
 No index interest due... ....................................................0.00%
 Total interest credited during the index account year........0.25%
(less policy charges, loans, withdrawals)
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Historical Values 1993–2012 (1-year)
*These hypothetical numbers are intended to demonstrate how interest rates would have been calculated
based upon certain assumptions and historical index returns. They demonstrate how rates could vary
from year to year. Each value presented above is based on the average of the month-end index value for
that year. These figures do not represent actual interest that would have been credited because the cap
rate could have affected actual results.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
5-Year Point-to-Point Multiple
Fixed Index Interest Account*
Assume the Participation Rate is 60%
For this example, assume no loans or withdrawals are taken.
The equivalent of 0% guaranteed annual interest is credited
monthly.
Assume the point-to-point returns are as follows:
S&P 500 = 60%
EURO STOXX = -28%
Hang Seng = 120%
* Global indices available on 5-year index interest account option only; not
available in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
5-Year Point-to-Point Multiple
Fixed Index Interest Account*
Hang Seng
S&P 500
120% x 75% = 90%
60% x 25% = 15%
Adjusted Index Return = 105%
Index return to be credited to the 5-year index account *=
105% x 60% Participation Rate = 57.899%
* Global indices available on 5-year index interest account option only; not
available in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
5-Year Point-to-Point Multiple
Fixed Index Interest Account*
Assume the Participation Rate is 60%
For this example, assume no loans or withdrawals are taken.
The equivalent of 0% guaranteed annual interest is credited
monthly.
Assume the point-to-point returns are as follows:
S&P 500 = -10%
EURO STOXX = -15%
Hang Seng = -75%
* Global indices available on 5-year index interest account option only; not
available in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
5-Year Point-to-Point Multiple
Fixed Index Interest Account*
S&P 500
-10% x 75% = -7.5%
EURO STOXX
-15% x 25% = -3.75%
Adjusted Index Return = -11.25%
Index return to be credited to the 5-year index account*=
0% x 60% Participation Rate = 0%
* Global indices available on 5-year index interest account option only; not
available in New York.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Historical Values 1993–2012 (5-year)
**The level annualized interest rate in column 6 compounded over 5 years,
equals the amount in column 5.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Policy Specifications
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Policy Charges
Percent of Premium Load:
 Current charge of 7.00 percent of all premiums
 Maximum charge of 10.00 percent
Surrender Charges:
 Nine-year surrender charge schedule
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Monthly Deductions
 Current monthly administration fee of $5.00
(maximum charge of $20.00)
 Five-year monthly expense charge per $1,000 of
specified amount of base policy
 Current cost of insurance based on net amount at risk
 Rider charges may also apply
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Death Benefit Options
 Option 1 (Level): The death benefit is the level
specified amount*
 Option 2 (Increasing): The death benefit is the
specified amount plus the accumulation value*
* To the extent that declared and/or excess interest builds more accumulation
value in the policy the beneficiary may receive a higher death benefit upon the
insured’s death.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Monthly Guarantee Premiums
Two Monthly Guarantee Premiums are identified on the
policy Schedule pages for Elite Global Plus II.
 The Monthly Guarantee Premium for First Year
establishes a premium that if paid timely guarantees
the policy will not lapse in the first policy year.
 The Monthly Guarantee Premium for 10 years
establishes a premium that if paid timely guarantees
the policy will not lapse up to 10 years from the issue
date (5 years for issue ages 71 and over).
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Policy Loans
Standard Loan:
 Effective annual loan rate is 4.00 percent (payable in
advance at the rate of 3.85 percent).
 Annual effective rate of 3.00 percent will be credited
to the portion of the accumulation value that equals
the amount of policy loans.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Policy Loans
Preferred Loan:
 Available after 10 policy years.
 Maximum preferred loan amount is the excess of the
cash surrender value at the beginning of the year less
the sum of premiums paid over partial withdrawals.
 Loan rate (not guarantee) currently equals the
credited rate applied to the policy loan.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Policy Loans
Choice Loans:
 Amount of loan is not removed from any account and will be
eligible for index or declared interest and does not impact
interest crediting or deduction/partial allocation methodology.
 Annual effective interest rate is 6.00%
 Because an index account’s actual credited rate could be less
than the annual loan interest rate, there is the risk the policy
could lapse if poor index performance among the indices is
sustained.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Choice Loans
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Changing Policy Loan Types
The policy owner can switch between Standard and
Choice Loans two times during the life of the policy.
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Riders
 Terminal Illness Rider*
 Waiver of Monthly Deductions Rider
 Overloan Protection Rider
 Maturity Extension Option
 Term Life Insurance Benefit Rider*
(Now Available In WinFlex)
*Not approved in New York
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
How Does It Stack Up?
Competitor
Allianz LifePro+
$25k/year for 7 years, Min Non-MEC
Face Value, Male 45 PNT, Distributions
Age 66-85 with best loan option
Max Strategy
Rate
Income
Target
CV @A65
Global 1 Yr
8.84%
80,611
8,621
597,985
S&P 500 1 Yr
8.30%
71,300
9,008
552,827
Global 5 Yr
9.28%
66,640
8,772
524,549
S&P 500 3 Yr
9.01%
66,643
9,238
521,255
Blended 1 Yr
8.30%
60,311
9,549
488,972
S&P 500 2 Yr
7.60%
49,871
9,457
483,087
S&P 1 Yr w Part
7.90%
44,620
9,623
498,615
Global 1 Yr
8.67%
42,646
8,104
485,961
Form P54350
North American Builder IUL
From ICC10LS172
American General
Elite Global Plus II
Form 12967/12967N
Minn Life Eclipse
Form ICC09-700
Nationwide YourLife IUL
Form ICC11-NWLA-453
Aviva Lifetime Builder III
Form 2ECG10
Hartford Frontier IUL 2012*
Form ICC12-1377
Transamerica
Freedom Global IUL*
Form ICC11 IUL05 $25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan option
AXA Athena Index UL*
S&P 500 3Yr
7.64%
40,462
8,802
Form 12-100
Strong Cash Accumulation & Income Potential
at Max Illustrated
* Offers fixed loans only
Illustrations generated 3/19/2013 for the state of Colorado.
Every attempt has been made to verify the accuracy of this information, but
rates are subject to change at any time
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Rates
419,005
How Does It Stack Up?
Competitor
Max Strategy
Rate
Income
Target
CV @A65
American General
Elite Global Plus II
Global 5 Yr
9.28%
66,640
8,772
524,549
S&P 500 1 Yr
7.80%
59,788
9,008
507,050
S&P 1 Yr w Part
7.86%
44,190
9,623
495,296
8,104
485,961
9,238
400,852
North American
Builder IUL
Hartford
Frontier IUL 2012*
Transamerica
Freedom Global
IUL*
Minnesota Life
Eclipse
-16%
-1%
Global 1 Yr
8.67%
42,646
S&P 500 3 Yr
7.38%
38,398
-42%
$25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan option
at 20 yr look back rate for max illustrated strategies
Market Leading Performance
on a level playing field
* Offers fixed loans only
Illustrations generated 3/19/2013 for the state of Colorado.
Every attempt has been made to verify the accuracy of this information, but
rates are subject to change at any time
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
How Does It Stack Up?
Strong Cash &
Income Potential
Hindsight
Crediting
Global
Diversification
Participating/
Capped Loans
Allianz
LifePro+
North American
Builder IUL
American General
Elite Global Plus II
Minnesota Life
Eclipse IUL
Nationwide
YourLife IUL
Aviva
Lifetime Builder III
Hartford
Frontier IUL 2012*
Transamerica
Freedom Global IUL*
AXA
Athena Index UL*
Strong Accumulation with Differentiated Design
* Offers fixed loans only
Illustrations generated 3/19/2013 for the state of Colorado.
Every attempt has been made to verify the accuracy of this information, but
rates are subject to change at any time
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
34
Sales Concepts
Supplemental Retirement Savings
Income for College Funding
Executive Bonus Plan
Premium Financing
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Questions
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC
Important Information
Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019.
Policy form numbers 12967, ICC-12967. The United States Life Insurance Company in the City of New York,
One World Financial Center, 200 Liberty Street, New York, New York, 10281. Elite Global Plus II Policy Form
Number 12967N; Waiver of Monthly Deduction Form Number 82001N; Overloan Protection Rider Form Number
07620N. Elite Global Survivor Policy Form Number 08414N; Four Year Term Rider Form Number 01904N; Overloan
Protection Rider Form Number 07620JTN. The underwriting risks, financial and contractual obligations and support
functions associated with the products issued by American General Life Insurance Company (AGL) and The United
States Life Insurance Company in the City of New York (US Life) are its responsibility. Guarantees are subject to
the claims paying ability of the issuing insurance company. AGL does not solicit business in New York. Policies and
riders not available in all states. American General Life Companies, www.americangerneral.com, is the marketing
name for a group of affiliated domestic life insurers, including AGL and US Life. IMPORTANT: Prior to soliciting
business, be certain that you are appropriately licensed and appointed with the insurer and that the product has
been approved for sale by the insurer in that state. If uncertain, contact your American General Life Companies
representative for assistance. Do not state or imply that the purchase of the Elite Global Plus II is like an investment
or a means of participating in “securities,” “markets,” stocks,” “stock market index,” or “S&P 500.” STANDARD &
POOR’S, S&P and S&P 500 are registered trademarks of Standard & Poor’s Financial Services LLC and have been
licensed for use by American General Life Companies. The Product is not sponsored, endorsed, sold or promoted
by Standard & Poor’s, and Standard & Poor’s makes no representation regarding the advisability of paying
premiums for the Product.
FOR PRODUCER USE ONLY. NOT FOR DISSEMINATION TO THE PUBLIC.
AGLC106841
FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC