August 25,

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1 August 25, QoL Accelerated Death Benefit Riders & Accelerated Access Solution (AAS) Now Available in California The QoL Accelerated Death Benefit Riders (ABRs) are now available on QoL Max Accumulator+ in the state of California. Effective August 29, 2016, QoL Max Accumulator+ policies in California now include the Quality of Life Insurance Chronic, Critical and Terminal Illness Accelerated Death Benefit Riders (ABRs) with no additional premium required now or in the future. Please remember these riders are a California specific version and the new generation of riders the QoL Select Choice II ABRs are not currently available in California. The initiative to include the QoL ABRs to currently pending and inforce policies is still underway, and we anticipate its completion in the coming months. Please refer to this bulletin for more details. Note: See the Product Discontinued note under the Available Resources section at the right of the page. The AAS Chronic Illness Accelerated Death Benefit Rider is now available on QoL Max Accumulator+ in the state of California. Effective August 29, 2016, QoL Max Accumulator+ policies in California now include the AAS rider. AAS accelerates a portion of a policy s death benefit when an insured meets the health impairment criteria set forth in the rider. 1 Control over how money is spent is up to the policy holder; there are no receipts required and no restrictions on what the money is used for once the policy owner has been certified as eligible to receive AAS benefits. Benefits are paid directly to the policyholder for as long as the criteria are met, or until the AAS benefit amount is exhausted, whichever occurs first. Acceleration of death benefits and payments under such an accelerated death benefit will reduce the death benefit of the policy and reduce other policy values as well, potentially to zero. If the entirety of the insurance amount is accelerated, the policy terminates. Additional premium is required for this rider. 1 Insured must be certified as chronically ill by a Licensed Health Care Practitioner and meet all eligibility requirements and the condition need not be permanent. Available Resources Sales & Marketing Materials California Supplement to AAS marketing pieces Visit estation for the latest AAS Materials Product Discontinued Effective August 29, 2016 QoL Index Plus II will no longer be available in CA Training Sessions* Learn more about QoL ABRs & AAS updates. NOTE: All times are all PST August 29 th 1 PM PST August 31 st 8 AM PST September 6 th 9 AM PST September 8 th 1 PM PST Click here for webinar link. Dial: Access Code: # *This training in no way fulfills any training or certification requirements for AIG or the State of California CONTINUED For Policy Form Number Rider Form Numbers , , CA, 82410, 88390, , , 07620, , 15990, AGLA 04CHIR-CA (0514), AGLA 04CRIR, and AGLA 04TIR. 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. 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 Company. AIG All rights reserved. FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION.

2 AAS & QoL ABRs CA Launch Bulletin (Continued 2 of 3) AAS Key benefits Two options for monthly disbursement of benefit payments are available at the time of purchase: 2% of the AAS benefit per month. 4% of the AAS benefit per month. The maximum monthly amount is $10,000 increased annually by 4% until the time of claim. Alternatively, the insured has the option at the time of claim to receive the accelerated benefit in a lump sum payment in lieu of the benefits payable under the original monthly payment option selected. Such lump sum benefit will be subject to an actuarial discount that is determined by the company at the time the insured becomes eligible for benefits under the rider. 2 There are no permanency requirements; a qualifying condition lasting at least 90 consecutive days meets eligibility under the new rider. The lifetime maximum benefit is $3 Million. Waiver of monthly deduction if the insured files an approved chronic illness claim to access benefits via the AAS rider, then they will not be responsible for paying policy deductions while they continue to access those benefits. Care coordination services available variety of optional and free support services available to the insured at time of claim. 2 The Company will determine the actuarial discount applicable to a given lump sum payment using factors including, but not limited to the Company s assessment of the expected future mortality of the Insured and an interest rate determined as described in the rider. Coordination of Benefits If the Accelerated Access Solution (AAS) is selected, these additional coordination of benefits apply: In the event of a qualifying Chronic Illness, the AAS benefit rider pays out prior to QoL Chronic Illness Accelerated Benefit Rider (ABR) Additional qualifying events will be covered under the QoL Chronic Illness ABR May accelerate Chronic Illness benefits from both the AAS and QoL Chronic Illness Rider depending on the elected AAS benefit amount 100% of the death benefit up to $2,000,000 for qualifying critical and terminal Illnesses or conditions from the QoL Critical and Terminal ABRs California AAS Rider Addition Rules The rider can be added to a previously submitted application if received prior to 8/29/2016 and not yet issued, or conditionally issued, and all of the following conditions are met: A completed Chronic Illness Supplemental Application (CA version) is submitted. All applicable disclosures are submitted. Applicant has completed required additional underwriting for AAS rider. A new illustration (dated 8/29 or after) with the new AAS rider is included. For recently issued policies (including conditionally issued), the AAS rider will not be available. FOR AIG PARTNERS GROUP INTERNAL PRODUCER USE ONLY - NOT FOR PUBLIC DISTRIBUTION

3 AAS & QoL ABRs CA Launch Bulletin (Continued 3 of 3) Required training in California reminder Due to the direct nature of the relationship a producer has with a customer, carriers must ensure that producers selling this rider will be able to describe the differences between benefits provided under an accelerated death benefit rider and benefits provided under long-term care insurance. In order to ensure that producers are able to meet these requirements, as a reminder, the Company requires producers to complete the internal CA specific QoL ABR training (the full Certification Training course launched March 11, 2015, or, if previously certified prior to that date, the bridge course entitled ABR CA Chronic Illness Rider Re-Certification launched March 9, 2015) prior to selling QoL ABRs in California. There are no additional training requirements to sell the AAS rider. FOR AIG PARTNERS GROUP INTERNAL PRODUCER USE ONLY - NOT FOR PUBLIC DISTRIBUTION

4 June 3, QoL Max Accumulator+ in California Quality of Life...Insurance products can help enhance and protect the quality of life your clients are living today and the life they dream of for tomorrow. It s insurance that s available when they need it most. Please note that QoL Max Accumulator+ policies in California do not currently include the Quality of Life Insurance Chronic, Critical or Terminal Illness Accelerated Death Benefit Riders (ABRs) due to a policy administrative system delay. There is no additional premium required for these riders now or in the future. We are working diligently to update our system and anticipate its completion in September. FAQs See page 2. Consumer Letter Click here to download a letter for use with current and potential policy owners of QoL Max Accumulator+ in the state of California. Upon system update completion, California consumers who were issued a QoL Max Accumulator+ policy without the QoL ABRs will receive a packet of information in the mail that includes; a letter advising them that the QoL Chronic, Critical and Terminal Illness Accelerated Death Benefit Riders have been added to their policy at no additional charge as of the date they become available, the rider pages and their associated disclaimers. Should a QoL Max Accumulator+ policy owner suffer and submit a claim for a qualifying QoL Chronic, Critical and Terminal condition or illness prior to the system update, American General Life Insurance Company (AGL) will honor the claim. A letter explaining the QoL ABRs and our future intention has been developed for your use with current and potential policy owners of QoL Max Accumulator+ in the state of California. Please use this letter up until the time the QoL ABRs are available on the new system. Click here to download the consumer letter. Training Sessions Webinars will be held on; Friday, June 10, 11:00 AM PST Monday, June 13, 1:00 PM PST Click here for webinar link Access Code: # We will contact you again when the policy administrative system update has been completed. Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 15646, ICC ; Rider Form Numbers 13600, , 15600, ICC ,13601, ICC , 82012, 82410, 88390, 14002, ICC , 14306, 07620, 15997, ICC , 15996, 15994, ICC ,15271, ICC , 15274, ICC , 15272, ICC , 15273, ICC , ICC , 15602, ICC , 15603, ICC , and Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AIG All rights reserved FOR FINANCIAL PROFESSIONAL USE ONLY - NOT FOR PUBLIC DISTRIBUTION. CONTINUED

5 FAQs I recently sold a QoL Max Accumulator+ policy; however I did not notice that the ABRs weren t included. What do I do now? It s always best to be proactive, we recommend you contact your client and share the policy holder letter we have provided. The important information to emphasize with your client is that American General Life Insurance Co. will honor their qualifying chronic, critical and terminal illness or condition claim and that they will receive their QoL Chronic, Critical and Terminal Accelerated Death Benefit Rider documentation in the mail in September. A link to the policy holder letter can be found on page one. What will my client receive in September that confirms the QoL Accelerated Benefit Death Riders have been added to their QoL Max Accumulator+ policy? They will receive a packet of information in the mail that includes; a letter advising them that the QoL Chronic, Critical and Terminal Accelerated Death Benefit Riders have been added to their policy at no additional charge as of the date they become available, the rider pages and their associated disclaimers. We recommend they file the paperwork with their QoL Max Accumulator+ policy. When my client s QoL ABR information arrives in September will the effective date be the same as their QoL Max Accumulator+ policy? No, the effective date will not be retroactive to policy date. The effective date in their packet of information will be the date the QoL ABRs become available. However; AGL will honor their qualifying chronic, critical and terminal illness or condition claim from their QoL Max Accumulator+ policy s effective date. What happens if my client suffers a qualifying chronic, critical and/or terminal illness before he receives his official QoL ABR information in September? Your client should file a claim. AGL will honor their qualifying chronic, critical and terminal illness claim. My client may be wary of purchasing a QoL Max Accumulator+ policy without receiving the Accelerated Benefit Death Riders documentation with his policy. How do I overcome this objection? Please share the policy and potential policy holder letter we have provided with your client that states that AGL will honor their qualifying chronic, critical and terminal illness or condition claim and that they will receive their QoL Chronic, Critical and Terminal Death Benefit Rider documentation in the mail in September. A link to the policy and potential policy holder letter can be found on page one. Who do I contact if I have additional questions? There will be several live webinars held over the next few weeks. See page one for detail. What if I am unable to attend the live webinar? A recorded webinar will be available on Career Campus. When can I expect to receive more detail on the QoL Max Accumulator+ ABRs in CA? We will contact you again when we have more detail to share. FOR INTERNAL PRODUCER USE ONLY - NOT FOR PUBLIC DISTRIBUTION FOR INTERNAL PRODUCER USE ONLY - NOT FOR PUBLIC DISTRIBUTION