Accelerated Access Solution. Chronic Illness Living Benefit (California Only) Access your death benefits while living.

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Silvester Maxwell
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1 Chroic Illess Livig Beefit (Califoria Oly) Access your death beefits while livig. Accelerated Access Solutio Chroic Illess Accelerated Death Beefit Rider (optioal) for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued by America Geeral Life Isurace Compay, AIG member compay. PAGE 1OF

Put your life isurace to work What are the odds of actually havig a chroic illess? 91 % About 91% of older adults have at least oe chroic coditio, ad 73% have at least two.

2 Put your life isurace to work What are the odds of actually havig a chroic illess? 91 % About 91% of older adults have at least oe chroic coditio, ad 73% have at least two. 2 Do t most people have health isurace or Medicare to pay for somethig like this by the time it happes? Idividuals may eed log-term support ad services at ANY age, ad Medicare ad most health isurace plas will NOT pay for them. 3 Ask yourself Do I eed life isurace to protect myself ad my family? Would I prefer those life isurace beefits available i life or death, istead of the additioal cost of a use it or lose it log-term care policy? After seeig a fried or family member suffer a health care evet, am I prepared for how expesive it ca be? If you became chroically ill which kid of treatmet would you wat: the cheapest available or the highest quality possible will you have the fiacial freedom to make the choice? $ 220 K OUT-OF-POCKET The average 65-year old couple retirig i 2014 ca expect $220,000 i out-of-pocket medical expeses through the duratio of their retiremet. 4 Am I i geerally good health, but wat possibilities for future care as I age ad my health deteriorates? If I am certified as chroically ill, would I like to tap ito my life isurace beefits for ecessary treatmet? PAGE 2 OF

3 Chroic Illess Rider Thik life isurace oly pays out to your loved oes whe you die? Not aymore. Access your ow life isurace beefits while livig. By addig the Accelerated Access Solutio (AAS) chroic illess rider to a select life isurace policy, you ca potetially access your icome tax-free life isurace beefits, if certified as havig a chroic illess. 1 Should a eligible chroic illess occur, you ca be paid mothly beefits util that illess improves or your AAS beefit is exhausted whichever happes first. See full rider for details 1 It s a good optio for cosumers who uderstad the value of combiig death beefit ad chroic illess protectio ito oe. AAS Helps Provide Freedom of Choice Ulike may log-term care reimbursemet policies, it ca be used to pay for virtually ay expese eve those urelated to the illess: Adult daycare Assisted livig or ursig home Massage therapy Prescriptio drugs Home maiteace (law, hadyma, etc.) Home improvemets (ew furiture, upgraded shower, ramp istallatio, etc.) Gas for trasportatio to ad from treatmets Cash i the pocket of a fried or loved oe takig time off work to assist i your care PAGE 3 OF

How it works Usig your beefit Multiple beefit paymet optios two optios for mothly disbursemet: 2% of AAS beefit, or the applicable maximum mothly amout if less 4% of AAS beefit, or the applicable

4 How it works Usig your beefit Multiple beefit paymet optios two optios for mothly disbursemet: 2% of AAS beefit, or the applicable maximum mothly amout if less 4% of AAS beefit, or the applicable maximum mothly amout if less The maximum mothly amout is $10,000 icreased aually by 4% util the time of claim. You will also have the optio at the time of claim to receive the accelerated beefit i a lump sum paymet istead of the mothly paymet optio you selected at the time of purchase. Such lump sum beefit will be subject to a actuarial discout that is determied by the compay at the time you become eligible for beefits uder the rider. 5 Waiver of mothly deductio if you file a approved chroic illess claim to access your moey via your AAS rider, the you will ot be resposible for payig policy deductios while you cotiue to access those beefits Flexible optios with total beefit amout select ay amout betwee 50%-100% of the base policy life isurace beefit amout 6 Care coordiatio services available variety of optioal ad free support services available to you at time of claim Cotrol how your ow claim moey is spet moey goes directly ito your pocket, ot the health provider or care facility Not a typical use it or lose it log-term care policy beefits due are paid o matter what either to the isured if they become chroically ill, or to your beeficiaries at the time of your death. 7 No receipts required you do t eed to show or tell us how you sped your moey No waitig period chroic illess beefits are available for activatio as soo as the policy is issued, subject to 90 day eligibility period Becomig eligible To activate the rider, a isured perso must be certified by a licesed health care practitioer to be cosidered a chroically ill perso. Oe of the followig health impairmet criteria must be met for a period of at least 90 cosecutive days: 1. The isured is uable to perform, without substatial assistace from aother perso, at least two of the Activities of Daily Livig (ADLs): Bathig Eatig Cotiece Toiletig Dressig Trasferrig Oce all criteria are met, mothly beefits may begi The isured requires substatial supervisio from threats to health ad safety due to a severe cogitive impairmet (similar to Alzheimer s ad other forms of irreversible demetia) that is measured by cliical evidece ad stadardized tests measurig: Short-term or log-term memory Orietatio as to people, places or time, ad Deductive or abstract reasoig Oce all criteria are met, mothly beefits may begi. 8 Chroic coditios do ot eed to be cosidered life-log or permaet i order to be eligible. PAGE 4 OF

5 Gettig paid Oce the isured meets the health impairmet criteria ad beefits have bee approved for paymet, you will select your disbursemet. There is a maximum beefit payable uder the mothly disbursemet optio that we ll otify you of at your time of claim. You ca also select a smaller amout tha the maximum mothly beefit if you like. You ll be give a lump sum optio as well; which ca be substituted for mothly beefits. Remember: AAS must be selected at the time of purchase. 10 The mothly cost of the rider will vary based o the AAS beefit amout selected, issue age, geder ad uderwritig class. Before you buy Pick your payout With AAS you have two choices for mothly beefit payouts, but you must select which mothly disbursemet optio you prefer at the time of purchase: 2% of your AAS beefit 11 4% of your AAS beefit 11 For either chroic illess beefit sceario, ay life isurace beefit amouts uused/upaid to you after your chroic illess claim will be available to be paid to your beeficiary at the time of your death. 12 Oce you decide o how you wat to receive your beefit, the followig will occur: 1. Paymet of Accelerated Access Solutio beefits, which are desiged to be received icome-tax-free 8 will begi. 2. Mothly deductios will be waived for as log as the policy ower meets the chroic illess requiremets. 3. The life isurace beefit will be reduced by each Accelerated Access Solutio beefit amout paid to the policy ower. 4. At death, ay remaiig life isurace beefit will be paid to your policy beeficiary icome-tax-free. 9 Hypothetical AAS Beefits for a $250,000 policy A $250,000 Secure Lifetime GUL 3 policy is purchased with a (100%) $250,000 Accelerated Access Solutio beefit. The premiums paid were structured to guaratee death beefits util reachig age 100. Example of Payout Payout Optio Rate 11 Type Mothly Payout Maximum Full $250,000 Beefit Realized 2% Fixed $5,000 4 years, 2 moths 4% Fixed $10,000 2 years, 1 moth Speed of Total Payout 2% 4% Year 1 Year 1 Year 2 Year 2 Year 3 Year 4 MAX BENEFIT REACHED MAX BENEFIT REACHED PAGE 5 OF

6 Life isurace you do t have to die to use Protect your loved oes, ad yourself. Add the optioal Accelerated Access Solutio to your Secure Lifetime GUL 3, Value+ Protector or Max Accumulator+ life isurace policy ad get potetially icome tax free 13 access to your death beefits while livig. If certified with a chroic illess; remaiig life isurace policy beefits cotiue to pay beeficiaries, as plaed, after you die. 13 Two forms of protectio i oe powerful policy. Importat Notice Regardig the Chroic Illess Accelerated Death Beefit Rider There are o restrictios or limitatios o the use of the accelerated death beefit proceeds uder the Chroic Illess Accelerated Death Beefit Rider. The accelerated beefits payable uder this rider are geerally iteded for favorable tax treatmet uder Sectio 101(g) of the Iteral Reveue Code. There may be tax cosequeces i some situatio i acceptig a accelerated beefit paymet amout, such as where paymets exceed the per diem limitatio uder the Iteral Reveue Code. You should cosult your persoal tax advisor to assess the impact of this Beefit prior to acceptig the Beefit. However, it is importat to ote the followig: This is a life isurace beefit that also gives you the optio to accelerate some or all of the death beefit i the evet that you meet the criteria for a qualifyig evet described i the policy. This policy or certificate does ot provide log-term care isurace subject to Califoria log-term care isurace law. This policy or certificate is ot a Califoria Partership for Log- Term Care program policy. This policy or certificate is ot a Medicare supplemet policy. A accelerated death beefit such as the Chroic Illess Accelerated Beefit Rider ad log-term care isurace provide very differet kids of beefits: Geerally, a accelerated death beefit is a rider to or other provisio i a life isurace policy that permits the policy ower to accelerate some or potetially all of the death beefit of a life isurace policy if the isured meets the defiitio of havig a chroic illess as defied i the rider or policy provisio. Acceleratio of death beefits ad paymets uder such a accelerated death beefit will reduce the death beefit of the policy ad reduce other policy values as well, potetially to zero. If the etirety of the isurace amout is accelerated, the policy termiates. A Log Term Care isurace policy is ay isurace policy, certificate, or rider providig coverage for diagostic, prevetive, therapeutic, rehabilitative, maiteace, or persoal care services that are provided i a settig other tha a acute care uit of a hospital. Log-term care isurace icludes all products cotaiig ay of the followig beefit types: coverage for istitutioal care icludig care i a ursig home, covalescet facility, exteded care facility, custodial care facility, skilled ursig facility, or persoal care home; home care coverage icludig home health care, persoal care, homemaker services, hospice, or respite care; or commuity-based coverage icludig adult day care, hospice, or respite care. Log-term care isurace icludes disability based log-term care policies but does ot iclude isurace desiged primarily to provide Medicare supplemet or major medical expese coverage. If you are iterested i log-term care, ursig home or home care isurace, you should cosult with a isurace aget licesed to sell that isurace, iquire with the isurace compay offerig the accelerated death beefits, or visit the Califoria Departmet of Isurace Iteret Web site (www. isurace.ca.gov) sectio regardig log-term care isurace. If you choose to accelerate a portio of your death beefit, doig so will reduce the amout that your beeficiary will receive upo your death. Receipt of accelerated death beefits may affect eligibility for public assistace programs, such as Medi-Cal or Medicaid. Prior to electig to receive the accelerated death beefit, you should cosult with the appropriate social services agecy cocerig how receipt of accelerated death beefits may affect that eligibility. If the policy termiates, the Chroic Illess Accelerated Death Beefit Rider will termiate also. 1 If the aual amout received by the policy ower for chroic illess beefits from all applicable sources exceeds the actual cost of care i a year or exceeds the IRS per diem exclusio limit aggregated for the portio of the year durig which the Isured Perso was certified as beig chroically ill, some of the beefits may be taxable. Policy owers should cosult their ow tax advisors regardig how receipt of the beefit will apply to their ow tax situatio. 2 Natioal Coucil o Agig: Source: Medicare & You 2015, U.S. Departmet of Health ad Huma Services 4 Source: Fidelity Beefits Cosultig Study, The Compay will determie the actuarial discout applicable to a give lump sum paymet usig factors icludig, but ot limited to the Compay s assessmet of the expected future mortality of the Isured ad a iterest rate determied as described i the rider. 6 Isured must be certified as chroically ill by a licesed health care practitioer ad meet all eligibility requiremets. 7 Assumes all remaiig premiums are paid o time ad i full. 8 Isured must be certified as chroically ill by a licesed health care practitioer ad meet all eligibility requiremets. 9 Based o curret federal icome tax laws, policy owers should cosult a qualified tax advisor. 10 The free Termial Illess Rider must be added to the policy i additio to the Accelerated Access Solutio rider. 11 Assumes all remaiig premiums are paid o time ad i full. 12 The maximum mothly amout is $10,000 icreased aually by 4% util the time of claim. 13 Assumes all remaiig premiums are paid o time ad i full. For this brochure to be complete for Califoria residets, they must be provided the Califoria Residet Supplemetal Iformatio flyer o the Accelerated Access Solutio (AGLC108547). NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE NO BANK OR CREDIT UNION GUARANTEE NOT FDIC/NCUA/NCUSIF INSURED Policies issued by: America Geeral Life Isurace Compay (AGL); Rider Form Numbers , ICC , Issuig compay AGL is resposible for fiacial obligatios of isurace products ad is a member of America Iteratioal Group, Ic. (AIG). AGL does ot solicit busiess i the state of New York. Products may ot be available i all states ad product features may vary by state. Guaratees are backed by the claims-payig ability of the issuig isurace compay. This iformatio is geeral i ature, may be subject to chage, ad does ot costitute legal, tax or accoutig advice from ay compay, its employees, fiacial professioals or other represetatives. Applicable laws ad regulatios are complex ad subject to chage. Ay tax statemets i this material are ot iteded to suggest the avoidace of U.S. federal, state or local tax pealties. For advice cocerig your idividual circumstaces, cosult a professioal attorey, tax advisor or accoutat. AIG All rights reserved PAGE 6 OF

Accelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living.

Accelerated Access Solution. Chronic Illness Protection Rider. Access your death benefits while living. Chroic Illess Protectio Rider Access your death beefits while livig. Accelerated Access Solutio Optioal Livig Beefit Rider for Secure Lifetime GUL 3; Value+ Protector ; Max Accumulator+ Policies issued