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1FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
The following presentation has been developed and approved for use by authorized producers and agents of the insurers of American General LifeCompanies. This presentation must be used with the accompanying
narrative notes which are included in the presentation.
You must take the following steps to access these notes:
1.Save the presentation to your laptop or PC
2.Open the saved presentation; then click the “View” option in your menu bar in the upper left corner of your screen
3.From the “View” drop down, click “Notes Page”
This will open the presentation with the narrative notes at the bottom of each slide. When making the presentation, these notes must be used without modification.
Please contact your American General Life Companiesrepresentative with additional questions.
Important Notice
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2FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
to offer
Generation S clients?
…the clients who
have saved money
and aren’t using it…
NOT FDIC INSURED. MAY LOSE VALUE. NOT A DEPOSIT. NO BANK GUARANTEE. NOT INSURED BY ANY FEDERAL AGENCY.
Do you need something new…
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3FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
Savers, not spenders
Modest but comfortable lifestyle
Pension + savings Other investments Risk averse Family first
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4FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
According to an AARP
study in 2001…
Average Inheritance
actually received was
$49,000
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5FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Is the middle-class
inheritance threatened?
Stock market volatility Low yields Taxes and inflation
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
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6
What can you earn on $50,000
without
stock market risk?
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
1-year CD = 1.02% Bank money market account = 0.817%
5-year CD = 2.27% 10-year Treasury note = 2.61%
Source: Bankrate.com 12/30/2010: average national yields
FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
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7
It might take a while….
0.50% >>> 144 years
1.00% >>> 72 years
2.00% >>> 36 years
2.50% >>> 29 years
3.00% >>> 24 years
Want to double that investment?
Rule of 7272/Interest Rate
=Years to Double
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
6
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8FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Smart. Secure. Simple.
Inheritance Life®
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9FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
SMART.Tax-advantaged means of transferring wealth LEVERAGE:One-time premium produces a larger death benefit
Inheritance Life
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10
Inheritance Life®
Leverage
Immediately increase a legacy
FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
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11FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Inheritance Life provides Leverage
Example assumes Preferred risk class.Rates current as of Jan 11, 2011.
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12FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
SMART.Tax-advantaged means of transferring wealth LEVERAGE: One-time premium produces a larger death benefit Death benefit is guaranteed Earnings grow tax-deferred1
Avoids probate2
Passes to heirs income-tax free1
1Based on current federal income tax laws2Subject to state probate laws
Inheritance Life
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13FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
SECURE.Clients have the security of guarantees Guaranteed Return of Premium Clients can access funds if they need them Partial Withdrawals each year of 10% of accumulated
value (beginning yr 2) Loans available anytime Terminal Illness Rider (not available in NY) Surrender charges waived upon qualifying medical stay
Inheritance Life
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14FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
SIMPLE. Easy transition for annuity agents New product for existing clients Slight modification to talk track New solution that doesn’t take away
from your existing business
Inheritance Life
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15FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
Safety Tax Efficient Yield Liquidity Easy
Create an Inheritance with…
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16FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
SIMPLE.Wealth transfer solution as easy as…
5 questions Signature 10 minutes
No medical exams!
Inheritance Life
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17FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Inheritance Life
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18
Strategies for Generation “S”Wealth transfer solutions for a generation of savers
Birthdays impact
leverage
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19FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Smart. Secure. Simple.
Inheritance Life
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20FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC
Important InformationPolicies issued by:
American General Life Insurance Company
2727-A Allen Parkway, Houston, TX 77019
Inheritance Life Policy Form Number 06440
Terminal Illness Rider Form Number 91401
Waiver of Surrender Charge Rider Form Number 06422
The United States Life Insurance Company in the City of New York
One World Financial Center, 200 Liberty Street, New York, NY 10281
Inheritance Life Policy Form Number 06440N, 06440NU
Waiver of Surrender Charge Rider Form Number 06422N
The underwriting risks, financial and contractual obligations and support functions associated withthe products issued by American General Life Insurance Company, Houston, TX (AGL) and The United States Life Insurance Company in the City of New York, NY, NY (USL) are the issuing insurer’s responsibility. USL isauthorized to conduct insurance business in New York. Policies and riders not available in all states.American General Life Companies, www.americangeneral.com, is the marketing name for the insurancecompanies and affiliates comprising the domestic life operations of American International Group, Inc.,including AGL and USL.
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.
© All rights reserved.
AGLC104701