for producer use only – not for dissemination to the public supplemental retirement savings for...

FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Supplemental Retirement

Savings for High Earner


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.

Elite Global Plus II:


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.

TOP Reasons…

* Global indices available on 5-year index interest account option only; not available in New York.


Who is successful and looking for tax-

advantaged ways to save additional

money beyond qualified plans to

supplement his future retirement income.

He knows he also needs additional life

insurance to provide for his family in

case of his premature death. What can

he do?

I’ve Got A Client…SM


Max (45) and Emily (40) are in good health, and earn a significant

six-figure income.

Max is a successful attorney and Emily works as an office

administrator.

They have substantial retirement savings but no pensions, are

contributing the maximum to their 401(k) plans, and have fully

funded future college educations for their children.

We’ve Got A Solution


They have two goals: saving more for retirement to help maintain

their lifestyle, and protecting Emily and the children if something

happens to Max.

After meeting with their financial advisor, they realize that given

their high income, fully funding their retirement plans is not

enough to build the retirement income they’ll need.

Their financial professional recommends an index universal life

insurance policy to meet their needs.

We’ve Got A Solution


Max (45) Preferred Non-Tobacco and Emily (40) purchase an

Elite Global Plus II® index universal life insurance policy on Max’s

life.

Minimum Non-MEC Death Benefit (increasing for 7 years, level

thereafter)

Premiums: $175,000 for 7 years to age 52

Distributions: Max begins taking Choice Loans to supplement his

post-retirement needs when he retires at 65

Solution Details


The life insurance policy provides immediate and permanent income-tax-

free death protection on Max’s life.

Cash values within the policy grow on a tax-deferred basis, and are

distributed tax free.

Cash accumulation upside potential is provided by exposure to the world’s

major economies.

Choice Loans from the policy may provide an annual income potential of

$61,296 from age 65 to 85.

Premiums are structured to last 7 years, during Max’s peak career

earnings years.

Benefits of the Solution


How Does It Stack Up? $25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan option

Strong Cash Accumulation & Income Potentialat Max Illustrated Rates * 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

Competitor Max Strategy Rate Income Target CV @A65

Allianz LifePro+Form P54350

Global 1 Yr 8.84% 80,611 8,621 597,985

North American Builder IULFrom ICC10LS172

S&P 500 1 Yr 8.30% 71,300 9,008 552,827

American GeneralElite Global Plus IIForm 12967/12967N

Global 5 Yr 9.28% 66,640 8,772 524,549

Minn Life EclipseForm ICC09-700

S&P 500 3 Yr 9.01% 66,643 9,238 521,255

Nationwide YourLife IULForm ICC11-NWLA-453

Blended 1 Yr 8.30% 60,311 9,549 488,972

Aviva Lifetime Builder IIIForm 2ECG10

S&P 500 2 Yr 7.60% 49,871 9,457 483,087

Hartford Frontier IUL 2012*Form ICC12-1377

S&P 1 Yr w Part 7.90% 44,620 9,623 498,615

TransamericaFreedom Global IUL*Form ICC11 IUL05

Global 1 Yr 8.67% 42,646 8,104 485,961

AXA Athena Index UL*Form 12-100

S&P 500 3Yr 7.64% 40,462 8,802 419,005


How Does It Stack Up?

Market Leading Performanceon a level playing field

* Offers fixed loans onlyIllustrations 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

$25k/year for 7 years, Min Non-MEC Face Value, Male 45 PNT, Distributions Age 66-85 with best loan optionat 20 yr look back rate for max illustrated strategies

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

North AmericanBuilder IUL

S&P 500 1 Yr 7.80% 59,788 9,008 507,050

HartfordFrontier IUL 2012*

S&P 1 Yr w Part 7.86% 44,190 9,623 495,296

TransamericaFreedom Global IUL*

Global 1 Yr 8.67% 42,646 8,104 485,961

Minnesota LifeEclipse

S&P 500 3 Yr 7.38% 38,398 9,238 400,852

-16%

-1%

-42%


Max and his agent can design a plan that meets his

family’s protection needs and have the potential to

supplement future income needs.

See how your American General representative can help

you plan a secure future for yourself and your family.

The Solution

FOR BGA USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Questions12

FOR BGA USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

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

Important Information

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