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1 INTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONMASTER PLAYBOOKQoL1 PRODUCTBUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG YOUR SUCCESS WITH THESE MUST HAVE TOOLS AND RESOURCESINTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACKMASTER PLAYBOOKQoL2 PRODUCTBUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG QoL Producer WebsiteYour one stop shop for all QoL sales and marketing Training PlaybookRobust product/sales presentations, sales concepts, archived webinars and moreQoL Competitive Comparison PlaybookSee how our products stack up vs. the competitionPower Up with IUL WebsiteCompelling product solutions, bite-sized training modules and effective sales strategiesQoL IUL PlaybookEverything you need to know, including non-medical underwritingQoL Term Conversion PlaybookIdentify opportunities, market to eligible clients, step-by-step conversion process and Premium Approval Limits Easy reference guideQoL Multicultural PLAYBOOK Chinese, Korean.

2 Vietnamese and Spanish materialsINTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACKPRODUCTBUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG MASTER PLAYBOOKQoL3 Life Insurance Awareness Start conversations year round with easy to use infographics, videos and checklists Policy Review PLAYBOOK Your client s life changes, has their life insurance coverage kept up? Beneficiary Review PlaybookTools to potentially identify additional client needs or coverage gaps Generation Matters Website Explore tools & strategies to help connect with clients of any generation and any stage in lifeAdvanced Markets Portal Attract and retain affluent and business-owner clients Foreign Nationals Checklist Make sure you have everything you need to submit a Foreign Nationals case In Good PLAYBOOK Create compelling easy-to understand client concept presentationsQoL Consumer Website A compelling way to introduce Prospects to Life Insurance and the QoL living benefits storyCampaign in a Box Grab and go client prospecting, training.

3 Education and selling strategies ready to Nationals Guidelines Better serve Foreign Nationals as they face unique planning ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACKMASTER PLAYBOOKQoL4 PRODUCTBUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG Rapid Rater Instant quotes on QoL Flex TermQoL Summary Report Recent updates from around the companyAGL Preferred Vendors Preferred Underwriting Requirement VendorsEMSI Online Viewing of APS StatuseStationAccess WinFlex, iGo eApply, L&C, New Business, Inforce and morePolicy Illustration & Quotation RequirementsSpecific documentation required on each product including state variationsPG Webinar Landing PageLive webinars with powerful trainingPG RewardsRewards and bonuses everyone can earnPG Life KitsGet the right kit you need FAST.

4 No password DepotDownload or order business forms, marketing materials and moreQoL Max Accumulator+ Non-medical UW Helpful facts and tips for fast track submission to approvalUnderwriting PlaybookStay informed with the most current underwriting resourcesINTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONBACKMASTER PLAYBOOKQoL5 PRODUCTBUSINESS DEVELOPMENT TOOLS & RESOURCES ABOUT AIG issued by: American General Life Insurance Company (AGL). 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.

5 Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of American General Life Insurance REV0618 2018 AIG. All rights reserved. Financial Strength AIG Through asset sales and other actions by AIG, the Federal Reserve, and Treasury, America recovered its $ billion plus a combined positive return of $ billion One of the greatest comeback stories in business history Ratings for American General Life Insurance Company and The United States Life Insurance Company in the City of New York (as of 06/14/2017)AgencyRatingDescriptorStandar d & PoorsA+ (Strong)2 Companies rated A have strong financial security characteristics, but are somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings.

6 Moody s Investors ServiceA2 (Good) Companies rated A offer good financial security. However, elements may be present that suggest a susceptibility to impairment sometime in the future. Fitch RatingsA+ (Strong)2 Companies rated A have an excellent ability to meet their ongoing financial obligations to policyholders. Best CompanyA (Excellent) Companies rated A have low expectations of default risk. The capacity for payment of financial commitments is considered strong. This capacity may, nevertheless, be more vulnerable to adverse business or economic conditions than is the case for higher ratings. 1. Outlook Stable 2. Outlook Negative AGL and US Life have received strong financial strength ratings from independent ratings agencies, reflecting its financial stability and its ability to meet its obligations to its policy holders and others.

7 For the most current ratings information please visit are current as of 06/14/2017 and subject to change at any time. Standard & Poor s 21 ratings are a measure of claims-paying ability and range from AAA (Extremely Strong) to R (Regulatory Action). Moody s Investors Service s 21 ratings are a measure of financial security and range from AAA (Exceptional) to C (Extremely Poor). Best s 15 ratings are a measure for claims-paying ability and range from A++ (Superior) to F (in Liquidation). Fitch Ratings 21 ratings are a measure of insurer financial strength and range from AAA (Exceptionally Strong) to C (Distressed). Only the fixed account protection features, income payments, and guarantees are backed by the claims-paying ability of the issuing insurance Improved Underwriting Enhanced service and more competitive offers: ~Increased staff ~Better responsiveness ~More underwriter empowerment ~Thorough communications ~Enhanced risk profiles on Coronary Artery Disease and much more Non-med underwriting on QoL Max Accumulator for ages 0-59 with face amounts $50,000-$249,000 Treadmill stress tests eliminated Elimination of resting EKGs on cases through $10,000,000, up to age 70.

8 Financial underwriting flexibility ~No need for both Third Party Financials & tax transcripts when provided with substantive & effective financial justification for face amount ~No tax transcripts required through $5 million face amount MD Exams are eliminated for applicants under insurance age 71 Lab Scoring ~Improved Communication On Adverse Results ~Developing a credit for excellent lab scores Field Underwriting Guide Programs High Retention $ Term, $10m Permanent Expanded Standard Better Choice Preferred Preferred Offsets Healthy Credits Competitive Advantages Foreign Nationals and Foreign Travel, Cigar Smokers, SCUBAM arketing SupportAmerican General Life HIGHLIGHTSINTERNET ACCESS REQUIRED | FOR FINANCIAL PROFESSIONAL USE ONLY | NOT FOR PUBLIC DISTRIBUTIONMASTER PLAYBOOKQoL1 PRODUCTBUSINESS DEVELOPMENT DOING BUSINESS ABOUT AIG YOUR SUCCESS WITH THESE MUST HAVE TOOLS AND go-to QoL resourceQoLFOR FINANCIAL PROFESSIONAL USE ONLY.

9 NOT FOR PUBLIC Power of AIGAIG strength and experience, premier protection and proven solutionsAIG Keeping our Promises Customer service is at the heart of what we doAGL Highlights and AIG Financial Fact Flyer Information and facts for our MGAs and ProducersEarning Your Trust Flyer Build consumer trust and confidence in AIGAIG HistoryBrief highlights of our beginning to AIG today