for agent use only. not for dissemination to the public. doubling is available through the lifetime...

For agent use only. Not for dissemination to the public.

Doubling is available through the Lifetime Income Plus optional guaranteed living benefit rider for an additional fee. Restrictions and limitations apply. Guarantees are backed by the claims-paying ability of American General Life Insurance Company.

Americans Today Are LIVING LONGER


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• • 10,000 baby boomers turning 65 every day1

• • Retirement for a 65-year-old couple may last 30 years or more

Source: Society of Actuaries, Annuity 2000 Mortality Table. Assumes a couple, both age 65.1 Source: Pew Research Center, December 29, 2010.

Boomers Want MORE RETIREMENT INCOME to Outpace Low Interest Rates and Rising Costs2


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Today’s Yields AreLess Than 3%

Healthcare Expenses Continue to Increase

Rates as of 7/29/133

CDs 0.60%

Treasuries 2.60%

A 65-year-old couple may need up to $387,000 to cover medical expenses

in retirement4

2 Source: America Speaks Out on Retirement Income, an online survey sponsored by SunAmerica and conducted by Harris Interactive between June 21-25, 2012 among 1,199 U.S. adults aged 45 and older.

3 Source: Bloomberg. Data is based on 1-year CD rates and yields of 10-year Treasury bonds as of 7/29/13. CDs offer a fixed rate of return and Federal Deposit Insurance Corporation (FDIC) insurance. CD income is taxed as ordinary income in the year that it is received. Treasury securities are guaranteed by the U.S. government as to the timely payment of principal and interest, and if held to maturity, offer a fixed rate of return and fixed principal value. Bond income may be taxed as ordinary income or capital gains. Past performance is not a guarantee of future results.

4 “Savings Needed for Health Expenses for People Eligible for Medicare: Some Rare Good News,” Employee Benefit Research Institute (EBRI) Notes, Vol. 33, No. 10, October 2012.

Offer Clients MORE INCOME For Life with the Power Index PlusSM Annuity


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• • Clients can benefit from: • Growth potential from index interest crediting strategies5

• Principal protection against market losses6

• Tax deferral

• Beneficiary protection

• • PLUS, they can elect Lifetime Income PlusSM:

• An optional guaranteed living benefit rider that can help clients DOUBLE their retirement income potential in 10 contract years, when no withdrawals are taken

5 Power Index Plus uses an index to calculate the interest earned in the index interest accounts. Clients do not invest in any index, stock, mutual fund or other security.

6 Principal may be reduced due to withdrawals and/or fees.

CHOOSE from 2 Index Interest Crediting Strategies

• • Annual Point-to-Point

• Interest earned is based on the annual change in the S&P 500®

(excluding dividends) from one contract anniversary to the next, subject to the annual index rate cap.

• • Monthly Point-to-Point

• Interest earned is based on the sum of 12 monthly point-to-point percentage changes in the S&P 500® (excluding dividends), subject to the monthly index rate cap.


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Year S&P 500® Index Value S&P 500® Annual Change Annual Interest Earned Contract Value

2002 879.82 $100,000

2003 1,111.92 26.38% 4.50% $104,500

2004 1,211.92 8.99% 4.50% $109,203

2005 1,248.29 3.00% 3.00% $112,479

2006 1,418.30 13.62% 4.50% $117,540

2007 1,468.36 3.53% 3.53% $121,689

2008 903.25 -38.49% 0.00% $121,689

2009 1,115.10 23.45% 4.50% $127,165

2010 1,257.64 12.78% 4.50% $132,888

2011 1,257.60 0.00% 0.00% $132,888

2012 1,426.19 13.41% 4.50% $138,868

Hypothetical example assumptions: $100,000 premium, 4.50% annual cap and S&P 500® performance from 12/31/02 to 12/31/12

The illustrative example above is hypothetical and intended to show how the Annual Point-to-Point Index Interest Account would perform based on the above scenario. Guarantees are backed by the claims-paying ability of the issuing insurance company.

Understanding the ANNUAL POINT-TO-POINT Index Interest Account


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Year S&P 500® Index Value S&P 500® Annual Change Annual Interest Earned Contract Value

2002 879.82 $100,000

2003 1,111.92 26.38% 8.46% $108,460

2004 1,211.92 8.99% 5.78% $114,729

2005 1,248.29 3.00% 0.00% $114,729

2006 1,418.30 13.62% 10.72% $127,028

2007 1,468.36 3.53% 0.00% $127,028

2008 903.25 -38.49% 0.00% $127,028

2009 1,115.10 23.45% 0.00% $127,028

2010 1,257.64 12.78% 0.00% $127,028

2011 1,257.60 0.00% 0.00% $127,028

2012 1,426.19 13.41% 5.23% $133,671

Hypothetical example assumptions: $100,000 premium, 2.00% monthly cap and S&P 500® performance from 12/31/02 to 12/31/12

The illustrative example above is hypothetical and intended to show how the Annual Point-to-Point Index Interest Account would perform based on the above scenario. Guarantees are backed by the claims-paying ability of the issuing insurance company.

Understanding the MONTHLY POINT-TO-POINT ADDITIVE Index Interest Account


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MonthS&P 500® Index

ValueS&P 500® Monthly

Point-to-Point ChangeMonthly Point-to-Point

Change

Dec 1,248.29

Jan 1,280.08 2.55% 2.00%

Feb 1,280.66 0.05% 0.05%

Mar 1,294.87 1.11% 1.11%

Apr 1,310.61 1.22% 1.22%

May 1,270.09 -3.09% -3.09%

Jun 1,270.20 0.01% 0.01%

Jul 1,276.66 0.51% 0.51%

Aug 1,303.82 2.13% 2.00%

Sept 1,335.85 2.46% 2.00%

Oct 1,377.94 3.15% 2.00%

Nov 1,400.63 1.65% 1.65%

Dec 1,418.30 1.26% 1.26%

Sum of 12 Monthly Changes 10.72%

Annual Interest Earned +10.72%


Understanding the MONTHLY POINT-TO-POINT ADDITIVE Index Interest Account Potential performance in up markets

The illustrative example above is hypothetical and intended to show how the Monthly Point-to-Point Additive Index Interest Account would perform based on the above scenario. Guarantees are backed by the claims-paying ability of the issuing insurance company.


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MonthS&P 500® Index

ValueS&P 500® Monthly

Point-to-Point ChangeMonthly Point-to-Point

Index Change

Dec 1,468.36

Jan 1,378.55 -6.12% -6.12%

Feb 1,330.63 -3.48% -3.48%

Mar 1,322.70 -0.60% -0.60%

Apr 1,385.59 4.75% 2.00%

May 1,400.38 1.07% 1.07%

Jun 1,280.00 -8.60% -8.60%

Jul 1,267.38 -0.99% -0.99%

Aug 1,282.83 1.22% 1.22%

Sept 1,166.36 -9.08% -9.08%

Oct 968.75 -16.94% -16.94%

Nov 896.24 -7.48% -7.48%

Dec 903.25 0.78% 0.78%

Sum of 12 Monthly Changes -48.22%

Annual Interest Earned +0.00%


The illustrative example above is hypothetical and intended to show how the Monthly Point-to-Point Additive Index Interest Account would perform based on the above scenario. Guarantees are backed by the claims-paying ability of the issuing insurance company.


Understanding the MONTHLY POINT-TO-POINT ADDITIVE Index Interest Account Potential performance in down markets

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Power Index PlusSM AnnuityOTHER KEY FEATURES

• • 1-year Fixed Interest Account

• Rate is set at contract issue, guaranteed for one year and subject to change annually

• • Beneficiary Protection

• Beneficiary receives the greater of the annuity’s contract value or the Minimum Withdrawal Value (87.5% of premiums growing at 1% compounded annually)

• • Free Withdrawals

• 10% of the contract value (as of the previous contract anniversary) after the first contract year

• No Free Withdrawals in the first contract year


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• • Access to Money in Times of Need or Illness7

• Terminal illness rider• Extended care rider• Activities of daily living rider

• • Withdrawal Charge

• Applies to amounts that exceed the 10% Free Withdrawal amount and declines over 7 years, as follows: 8-7-6-5-4-3-2-0%


7 Not available in all states.

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• • Premium Requirements• $25,000 initial minimum (qualified and non-qualified); no premiums

permitted after the contract’s first 30 days

• Total premiums exceeding $1 million require prior company approval

• • Issue Age

• 0-80 for both owner and annuitant (may vary by firm)

• 50-80 if Lifetime Income Plus is elected


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For agent use only. Not for dissemination

to the public.

3 Ways LIFETIME INCOME PLUSSM May Help Secure More Retirement Income


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1. Guarantee a client’s Income Base will DOUBLE to 200% of eligible premiums, when no withdrawals are taken before the 10th contract anniversary.8

2. Guarantee a 7% roll-up (income credit) on the Income Base every year that withdrawals are not taken in the contract’s first 10 years.

3. Guarantee lifetime withdrawals of up to 6% per year, as long as withdrawals are taken within the terms of the rider.9

8 Guarantees are backed by the claims-paying ability of the issuing insurer. The Income Base is the amount on which lifetime withdrawals under the rider are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. Eligible premiums are premiums paid in the first 30 days of the contract and do not include income credits.

9 Withdrawals range from 3.25% to 6.00% of the Income Base, depending on whether one or two people are covered and their age at the time of the first withdrawal.

DOUBLE Your Client’s Retirement Income Potential


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Hypothetical example assumptions: Power Index Plus Annuity with Lifetime Income Plus, issue age 55 (single life) and 5% withdrawals beginning at age 65

$100,000Initial Income Base (Eligible Premium)

$200,000Income Base

After 10 Years

$10,000Guaranteed

Income For Life

That’s the equivalent of a 10% withdrawal from the $100,000 premium!

Note: This hypothetical example is provided for illustrative purposes only, is not an actual case and assumes no withdrawals before the 10th contract anniversary. The chart is intended solely to depict how Lifetime Income Plus might work and does not reflect the performance of any specific contract.

GUARANTEE a 7% Annual Roll-Up


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Note: This hypothetical example is provided for illustrative purposes only, is not an actual case and assumes that no withdrawals are taken until year 6. The chart is intended solely to depict how Lifetime Income Plus might work and does not reflect the performance of any specific contract.

Hypothetical example assumptions: Power Index Plus Annuity with Lifetime Income Plus, issue age 60 (single life) and 5% withdrawals begin at age 65

COMBINE the 7% Roll-Up with the Minimum Income Base

For agent use only. Not for disseminiation to the public.

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Age Contract Anniversary 7% Income Credit Income Base

55 0 N/A $100,000

56 1 $7,000 $107,000

57 2 $7,000 $114,000

58 3 $7,000 $121,000

59 4 $7,000 $128,000

60 5 $7,000 $135,000

61 6 $7,000 $142,000

62 7 $7,000 $149,000

63 8 $7,000 $156,000

64 9 $7,000 $163,000

65 10 $7,000

Hypothetical example assumptions: Power Index Plus Annuity with Lifetime Income Plus, issue age 55 (single life), $100,000 premium, 0% interest crediting and no withdrawals taken in the first 10 years

$200,000

$10,000 Maximum Annual

Withdrawal Amount for Life

The illustrative example above is hypothetical and intended to show how the Lifetime Income Plus rider could perform based on the above assumptions. Guarantees are backed by the claims-paying ability of the issuing insurance company.

FLEXIBILITY to Start and Stop Withdrawals at Any Time


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Withdrawals in One Year Will Not Impact the 7% Roll-up In Future Years

Note: This hypothetical example is intended solely to depict how Lifetime Income Plus might work and does not reflect the performance of any specific contract.

Withdrawal Taken

Contract Value

Income BaseIncome Credit

BaseIncome Credit

Maximum Annual Withdrawal Amount

Issue Date – $100,000 $100,000 $100,000 – $5,000

Anniversary 1 – $100,000 $107,000 $100,000 $7,000 $5,350

Anniversary 2 $5,350 $94,650 $107,000 $100,000 $0 $5,350

Anniversary 3 – $94,650 $114,000 $100,000 $7,000 $5,700

This illustration example is hypothetical and intended to show how the Lifetime Income Plus optional guaranteed living benefit rider would perform based on the assumptions above. Guarantees are backed by the claims-paying ability of the issuing insurance company.

Hypothetical START & STOP Withdrawal Example

Hypothetical example assumptions: Power Index Plus Annuity with Lifetime Income Plus, issue age 65 (single life), $100,000 premium, 0% growth net of fees, 5% withdrawals at age 67 and no withdrawals taken in the other years

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Guarantee MORE INCOME FOR LIFE


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Withdraw Up to 6% Per Year For LifeMaximum Annual Withdrawal Amount (as a percentage of the Income Base)

Note: Withdrawals under this optional guaranteed living benefit are not allowed prior to age 60. If the contract value is completely depleted due to withdrawals taken under the terms of the rider, and/or due to fees associated with the rider, clients will receive the Protected Income Payment for life. The Protected Income Payment percentages are the same as the Maximum Annual Withdrawal Amount percentages under this rider.

Age of Covered Person(s) at First Withdrawal

One Covered Person Two Covered Persons

75 and older 6.00% 5.00%

70 to 74 5.50% 4.50%

65 to 69 5.00% 4.00%

60 to 64 4.25% 3.25%

Help Provide MORE INCOME for Your Client’s Retirement


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Power Index PlusSM with Lifetime Income PlusSM offers clients the opportunity to:

• • DOUBLE their retirement income potential

• • SECURE a 7% annual roll-up for up to 10 contract years, when no withdrawals are taken

• • GUARANTEE withdrawals of up to 6% per year for life

For agent use only. Not for dissemination to the public. 22

ADDITIONAL INFORMATION


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Index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the claims-paying ability of the issuing insurance company. They provide the potential for interest to be credited based in part on the performance of the specified index, without the risk of loss of premium due to market downturns or fluctuations. Index annuities may not be suitable or appropriate for all clients.

Withdrawals may be subject to federal and/or state income taxes. An additional 10% federal tax may apply if clients make withdrawals or surrender their annuity before age 59-1/2. Beginning January 1, 2013, annuity income will be subject to an additional tax of 3.8% under specific factual situations. Clients should consult their tax advisor regarding their specific situation.

Lifetime Income Plus is optional and available at contract issue in the Power Index Plus Annuity for an annual fee of 0.95% of the Income Base. Restrictions and limitations apply. Contract and optional living benefit guarantees are backed by the claims-paying ability of American General Life Insurance Company.

The Income Base is the amount on which lifetime withdrawals are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The Income Base is initially equal to the first eligible premium; it is adjusted for excess withdrawals and is increased each time an eligible premium is made. On each contract anniversary for up to 10 years, the Income Base is guaranteed to grow by a 7% income credit, as long as no withdrawals have been taken for that year. On the 10th contract anniversary, the Income Base may be increased to the Minimum Income Base (200% of eligible premiums) if no withdrawals have been taken from the contract.

The S&P 500® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by American General Life Insurance Company and affiliates. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American General Life Insurance Company and affiliates. American General Life Insurance Company and affiliates’ products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.


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ADDITIONAL INFORMATION

This material was prepared to support the marketing of the Power Index Plus Annuity. Please keep in mind that American General Life Insurance Company and its distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company’s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have retroactive effect as well. Clients should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material.

Annuities are issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Power Index Plus Modified Single Premium Deferred Fixed Index Annuity, Contract Number AG-800 (12/12); Market Value Adjustment Rider, Form Number AGE-8000 (12/12); Lifetime Income Plus Guaranteed Living Benefit Rider, Form Number AGE-8002 (12/12); Annual Point-to-Point Index Interest Account Rider, Form Number AGE-8003 (12/12); Monthly Point-to-Point Additive Index Interest Account Rider, Form Number AGE-8005 (12/12); Terminal Illness Rider, Form Number AGE-8007 (12/12); Extended Care Rider, Form Number AGE-8008 (12/12); and Activities of Daily Living, Form Number AGE-8009 (12/12).

American General Life Companies, www.americangeneral.com, is the marketing name for a group of affiliated domestic life insurers, including American General Life Insurance Company (AGL). The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by AGL are its responsibility. AGL does not solicit business in the state of New York. Annuities and riders may vary by state and are not available in all states.

Not FDIC or NCUA/NCUSIF Insured

May Lose Value • No Bank or Credit Union GuaranteeNot a Deposit • Not Insured by any Federal Government Agency

© American International Group, Inc. All rights reserved.I5319PP1 (7/13)

for agent use only. not for dissemination to the public. doubling is available through the lifetime...

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