Double Your Coverage - Marketing Index File

SEEING DOUBLE?Your clients may be able to double their coverage today— with no exams, no labs and reduced paperwork!Policies issued by:American General LifeInsurance CompanyThe United States LifeInsurance Companyin the City of New YorkFOR PRODUCER USE ONLY –NOT FOR DISSEMINATIONTO THE PUBLICThe insurers of American General Life Companies (American General) announceDouble Your Coverage — an outstanding, limited-time opportunity for many of yourin-force American General clients to substantially increase their life insurancecoverage. Double Your Coverage enables select policy owners who purchased AmericanGeneral coverage within the past three years to obtain additional protection withminimal paperwork and no exams or lab work. And you receive full first-yearcompensation on the new coverage added.Up to Double the CoverageEligible policy owners can increase the insured’s life coverage by any amount betweenthe minimum allowable increase of $100,000 and an amount equal to the coverageprovided by their existing policies, subject to the maximum total coverage limits shownon the next page and the insured’s written consent. 1Subject to the limitations outlined in this document, fully underwritten policies issuedstandard or better within the three-year period ending on the date the increaseapplication is signed are eligible for Double Your Coverage. That includes term andpermanent coverage, issued in nontobacco and tobacco classes.Now is a great time to talk to qualifying customers and review additional coverageneeds due to life events — new job, new children, marriage, divorce, change in financialcircumstances, etc. If they do need more protection, taking advantage of AmericanGeneral’s Double Your Coverage opportunity is a streamlined manner in which to buy itfrom a company with whom they are already doing business – and a great way for youto earn additional commissions during the fourth quarter and into 2010.1Insured’s consent required where policy owner and insured are not the same.

Eligible PoliciesDouble Your Coverage is available to in-force, fully underwritten Term and Permanent policies issued by American GeneralLife Insurance Company (AGL) or The United States Life Insurance Company in the City of New York (USL). The application toincrease coverage must be signed within three years of the original policy’s effective date and submitted during the ProgramPeriod. The existing policy must have been issued Standard or better. Both Nontobacco and Tobacco classes are eligible.Existing policies in the following categories are not eligible:u Issued on a simplified or guaranteed issue basis u Policies subject to facultative reinsuranceu Term conversionsu Last Survivor Universal Life policiesu ContinUL, ContinUL Extend and ContinUL Extend Plus u VUL policiespolicies issued by United States Lifeu Whole Life policiesu Issued with substandard table ratings or flat extras u Internal/External replacementsu Insured was declined by any carrier subsequent u Policies in grace or disability modeto issue of existing policyMinimum Face AmountTo be eligible for Double Your Coverage, the face amount of the in-force policymust be $100,000 or greater.Available IncreaseThe minimum increase allowed is $100,000. The increase in coverage cannotexceed the existing policy coverage, and the total of existing and new coveragecannot exceed the total coverage maximum shown below.Maximum Total CoverageThe total coverage amount, after the increase, cannot exceed:u $2,000,000 for insureds whose attained insurance age is 0-55u $1,000,000 for insureds whose attained insurance age is 56-60Maximum total coverage must be within our internal retention.Maximum AgeExisting insureds whose attained insurance age is 60 or younger on the datethe increase in coverage is issued are eligible.Program PeriodDouble Your Coverage business must be submitted between October 1, 2009, andMarch 31, 2010. We cannot accept an application dated more than three years afterthe effective date of the original policy.RequirementsDouble Your Coverage is not a guaranteed issue program. The company will check the MIBand Rx database. An APS or other underwriting requirements may be requested if needed,based on underwriter’s sole discretion. See FAQ for complete case submission requirements.For AGL ContinUL, ContinUL Extend and ContinUL Extend Plus policies, the new coverage willbe issued in the form of a new, separate policy, available with the Death Benefit Option 1(Level Death Benefit) only. For other Universal Life policies, the new coverage will be processedas a face amount increase. New term coverage will be issued as a new, separate policy and mustbe the same product type as qualifying policy. The new term coverage can be any duration —longer, shorter or identical to the existing policy except that 10-year term is only available ifthe original policy is 10-year term.AGL and USL (Insurers) reserve the right to extend or terminate the Double Your Coverage program at their sole discretionwithout prior notice, and all decisions regarding the program will be at the Insurers’ sole discretion, and decisionsshall be final and binding.For more information, contact:Policies issued by:American General Life Insurance Company2727-A Allen Parkway, Houston, TX 77019ContinUL (04337), ContinUL Extend (05337) ContinUL Extend Plus (05337)The United States Life Insurance Company in the City of New York70 Pine Street, New York, NY 10270ContinUL (04337N, 04337NU), ContinUL Extend (05337N) ContinUL Extend Plus (05337N)The underwriting risks, financial and contractual obligations and support functions associated withthe products issued by American General Life Insurance Company (AGL) and The United States LifeInsurance Company in the City of New York (USL) are the issuing insurer’s responsibility. USL isauthorized to conduct insurance business in New York.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 appointedwith 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.©2009. All rights reserved. AGLC103860 REV1009FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Double Your CoverageAmerican General Life Insurance Company (American General Life) announcesthe Double Your Coverage program — an outstanding, limited-time opportunityfor you to increase your life insurance coverage. Double Your Coverageenables select policy owners who purchased coverage from American GeneralLife within the past three years to obtain additional protection withreduced paperwork and no exams or lab work.Have events in your life changed since you purchased your life insurancepolicy? Maybe you have a new job, new children, a new marriage, divorceor other change in yourcircumstances. Now is agreat time to considerthe need for additionalinsurance and perhaps takeadvantage of AmericanGeneral Life’s Double YourCoverage program.Applications under theDouble Your Coverageprogram must be submittedby March 31, 2010, socontact your agent today.For more information, contact:Policies issued by:American General Life Insurance Company2727-A Allen Parkway, Houston, TX 77019The underwriting risks, financial and contractual obligations and support functions associated withthe products issued by American General Life are its responsibility. American General Life doesnot solicit business in the state of New York.American General Life reserves the right to extend or terminate the Double Your Coverageprogram at its sole discretion without prior notice. All decisions regarding the program will be atAmerican General Life’s sole discretion, and decisions shall be final and binding.American General Life Companies, www.americangeneral.com, is the marketing namefor the insurance companies and affiliates comprising the domestic life operations ofAmerican International Group, Inc., including American General Life.©2009. All rights reserved. AGLC103889 REV1009

Double Your CoverageThe United States Life Insurance Company in the City of New York (United StatesLife) announces the Double Your Coverage program — an outstanding,limited-time opportunity for you to increase your life insurance coverage. DoubleYour Coverage enables select policy owners who purchased coverage fromUnited States Life within the past three years to obtain additionalprotection with reduced paperwork and no exams or lab work.Have events in your life changed since you purchased your life insurancepolicy? Maybe you have a new job, new children, a new marriage, divorce orother change in yourcircumstances. Now isa great time to considerthe need for additionalinsurance and perhapstake advantage of UnitedStates Life’s Double YourCoverage program.Applications under theDouble Your Coverageprogram must be submittedby March 31, 2010, socontact your agent today.For more information, contact:Policies issued by:The United States Life Insurance Company in the City of New York70 Pine Street, New York, NY 10270The underwriting risks, financial and contractual obligations and support functions associated withthe products issued by United States Life are its responsibility. United States Life is authorized toconduct insurance business in New York.United States Life reserves the right to extend or terminate the Double Your Coverage program atits sole discretion without prior notice. All decisions regarding the program will be at United StatesLife’s sole discretion, and decisions shall be final and binding.American General Life Companies, www.americangeneral.com, is the marketing name for theinsurance companies and affiliates comprising the domestic life operations ofAmerican International Group, Inc., including United States Life.©2009. All rights reserved. AGLC103890 REV1009

It’s fourth quarter and the clock is ticking…Time to call a winning play into the huddle:10 for $1,000!Gain a First Downand Earn a Grand inAmerican General’s10 for $1,000Sales ContestPolicies issued by:American General LifeInsurance CompanyFOR PRODUCER USE ONLY –NOT FOR DISSEMINATIONTO THE PUBLICThat’s right — writing just 10 life cases with American General LifeInsurance Company between now and year end could earn you a$1,000 reward in the 10 for $1,000 Contest.Ten life policies – any size – FIRST DOWN! And nearly all of the termand permanent life products that make American General a leagueleader qualify for the contest.The 10 for $1,000 Contest rewards players who write business atthe retail level. Any player contracted at the producer level, exceptfor exclusions listed on the next page, is eligible to participate. The$1,000 reward will be paid to qualifying producers in addition tonormal commissions earned on eligible cases. Now that’s a playyou can get behind!Here’s how it works. Submit at least 10 life cases between October 1and December 31, 2009. A minimum of 10 cases must pay by January31, 2010, to earn the reward: a $1,000 American Express gift card!Huddle up with your prospect list and get your game plan together soyou can tackle a big first down — 10 for $1,000 from American GeneralLife Insurance Company.

Eligible ProducersEligibility is limited to individuals contracted at the Producer level and is based solely on the Producer’s personalproduction. The company will issue only one $1,000 gift card per producer based on the producer’s tax ID numberregardless of what source through which the business is submitted.The contest includes only policies issued by American General Life Insurance Company. Policies issued by The UnitedStates Life Insurance Company in the City of New York are not eligible. The contest does not include business writtenin New York.Producers contracted with agencies identified as Direct Marketers will not be included in the 10 for $1,000 Contest.Also ineligible are employees of certain financial institutions that prohibit their representatives from participating inthese types of incentives.Contest PeriodTo qualify for the contest, a minimum of 10 cases must be submitted between October 1, 2009 and December 31,2009, and must be paid by January 31, 2010.Eligible ProductsThe following life insurance products issued by American General Life Insurance Company are all eligible forthe 10 for $1,000 contest:u AG Select-a-Term SM and AG ROP Select-a-Term SM u Elite Index ® and Elite Survivor Index ®u ContinUL Extend Plus SMu Elite Global Plus SM and Elite Global Survivor SMu Elite UL ®u American Elite Whole LifeThe following products are not eligible for contest credit:u Products issued by The United States Lifeu AG Ultra Mortgage Complete TMInsurance Company in the City of New Yorku Annuity productsu All Variable Universal Life productsu Accident & Health productsu Inheritance Life SMAdditional RequirementsQualifying business must remain in force throughout the qualification period. Policies thatlapse during the contest period will not count toward the 10 case requirement. All qualifyingproducers must have an active contract at the end of the contest period to be eligible forthe $1,000 award.The $1,000 value of the gift card will be treated as compensation to the producer andcustomary tax reporting will apply.Credit for split cases will be allocated according to the percentage(s) designated on theapplication at issue. To qualify for the $1,000 gift card, the producer must be creditedwith 10 cases during the contest period.American General Life Companies , LLC, will be the final judge on all issues pertaining to thecontest, including, at its sole discretion, the determination of a producer’s qualification for an award.For more information, contact:Policies issued by:American General Life Insurance Company2727-A Allen Parkway, Houston, TX 77019AG Select-a-Term Policy Form Number 07007, AG ROP Select-a-Term Policy Form Number 06001,ContinUL Extend Plus Policy Form Number 05337, Elite UL Policy Form Number 03325, Elite SurvivorIndex Policy Form Number 08327, Elite Index Policy Form Number 08326, Elite Global Plus Policy FormNumber 08444, Elite Global Survivor Policy Form Number 08414, American Elite Whole Life (MWL02AG), AG Ultra Mortgage Complete Policy Form Numbers 07900 and 07901, Inheritance Life PolicyForm Number 06440The underwriting risks, financial and contractual obligations and support functions associated withproducts issued by American General Life Insurance Company (AGL) are its responsibility. AGL does notsolicit business in the state of 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.IMPORTANT: Prior to soliciting business, be certain that you are appropriately licensed andappointed 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.©2009. All rights reserved. AGLC103864FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

It’s fourth quarter and the clock is ticking…Time to call a winning play into the huddle:10 for $1,000!Gain a First Downand Earn a Grand inUnited States Life’s10 for $1,000Sales ContestPolicies issued by:United States LifeInsurance Company in theCity of New YorkFOR PRODUCER USE ONLY –NOT FOR DISSEMINATIONTO THE PUBLICThat’s right — writing just 10 life cases with The United States LifeInsurance Company in the City of New York between now and year endcould earn you up to $1,000 in the 10 for $1,000 Contest.Ten life policies – any size – FIRST DOWN! And nearly all of the termand permanent life products that make United States Life a league leaderqualify for the contest.United States Life will reward producers with gift cards for submittingthe required number of new life cases between October 1 and December31, 2009, and having those cases paid for by January 31, 2010. In total,producers can qualify for up to $1,000 for submitting and paying for 10 lifecases during the contest period. Intermediate awards of $250 each willbe paid according to the following schedule.u $250 for four life casesu $250 for an additional two life casesu $250 for an additional two life casesu $250 for an additional two life cases$1,000 for 10 life casesHuddle up with your prospect list and get your game plan together so youcan tackle a big first down — 10 for $1,000 from United States Life.

Eligible ProducersEligibility is limited to individuals contracted at the Producer level with United States Life and is based solely onthe Producer’s personally produced business. The company will issue only one gift card in the earned amount perproducer based on the producer’s tax ID number regardless of what source the business is submitted through. All giftcards will be issued following completion of the program on January 31, 2010.The contest includes only policies issued in New York by United States Life. Policies issued in all other states by USLaffiliate American General Life Insurance Company are not eligible.Producers contracted with agencies identified as Direct Marketers will not be included in the 10 for $1,000 Contest.Employees of certain financial institutions which prohibit their representatives from participating in these types ofincentives are also not eligible to participate.Contest PeriodTo qualify, cases must be submitted between October 1, 2009 and December 31, 2009, andmust be paid by January 31, 2010Eligible ProductsThe following life insurance products issued by United States Life are all eligible for the 10 for $1,000 contest:u AG Select-a-Term SM and AG ROP Select-a-Term SM u Elite Index ® and Elite Survivor Index ®u ContinUL Extend Plus SMu Elite Global Plus SM and Elite Global Survivor SMu Elite UL ®u American Elite Whole LifeThe following products are not eligible for contest credit:u Products issued by American General Lifeu AG Ultra Mortgage Complete TMInsurance Companyu Annuity productsu All Variable Universal Life productsu Accident & Health productsu Inheritance Life SMAdditional RequirementsQualifying business must remain in force throughout the qualification period. Policies that lapseduring the contest period will not count toward the respective case requirement. All qualifyingproducers must have an active contract at the end of the contract period to be eligiblefor awards.The value of the gift card will be treated as compensation to the producer and customary taxreporting will apply.Credit for split cases will be allocated according to the percentage(s) designated on theapplication at issue. To qualify for the gift card, the producer must be credited withthe required number of cases during the contest period.United States Life will be the final judge on all issues pertaining to the contest, including,at its sole discretion, the determination of a producer’s qualification for an award.For more information, contact:Policies issued by:The United States Life Insurance Company in the City of New York70 Pine Street, New York, NY 10270AG Select-a-Term Policy Form Number 09007N, AG ROP Select-a-Term Policy Form Number 08701N,American Elite Whole Life Policy Form Number 06006N, ContinUL Extend Plus Policy Form Number05337N, Elite UL Policy Form Number 03325N, Elite Survivor Index Policy Form Number 08327N, EliteIndex Policy Form Number 08326N, Elite Global Plus Policy Form Number 08444N, Elite Global SurvivorPolicy Form Number 08414N, AG Ultra Mortgage Complete Policy Form Numbers 03900N, InheritanceLife Policy Form Number 06440N, 06440NUThe underwriting risks, financial and contractual obligations and support functions associated withthe products issued by The United States Life Insurance Company in the City of New York (USL) are itsresponsibility. USL is authorized to conduct insurance business in the state of New York.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 USL.IMPORTANT: Prior to soliciting business, be certain that you are appropriately licensed and appointedwith 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.©2009. All rights reserved. AGLC103869FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Vol. 2, Issue 32, September 2009For more information, contact:MAKERSOne Plan Meets Two NeedsThe notion of buying individual level term coverage to retirement is taking hold and the flexibility and reach ofAG Select-a-Term SM makes it the perfect term product for the Term to Retirement sale. But the life insuranceneed doesn’t completely end at retirement for everyone. Many term buyers are realizing they have an ongoingneed for life insurance, a lower amount maybe, but still a need. This is one reason why “final expense” lifeinsurance is such a significant market. Those who rely solely on group and individual term insurance oftenbecome buyers of final expense life insurance in their post-retirement years.How about a product that does both — covers the income replacement need until retirement and thenguarantees final expense coverage after retirement if the insured survives and maintains the policy? AG ROPSelect-a-Term SM also provides term coverage to retirement plus the return of all base premiums paid if theinsured survives and maintains the policy to the end of the term period. 1One way to utilize that return of premium benefit is to take advantage of the reduced paid-up option (RPU).At any point where the policy has cash value, the RPU option allows the owner to take a reduced paid-updeath benefit to age 95 in lieu of the cash value. Granted, this provides less coverage than the original policy,but is often sufficient for final expense needs. The reduced paid amount appears on all AG ROP Select-a-Termsoftware illustrations at all policy durations. The optimum time to elect the RPU option is at the end of the levelpremium period when the cash value reaches its peak value.The client who buys AG ROP Select-a-Term coverage to retirement and survives until retirement, can do oneof four things:1. Drop the policy and take the return of premium benefit in cash, income tax-free 2 under current law, to use inretirement;2. Take the return of premium benefit in cash and keep the full death benefit in force at ART rates;3. If age 70 or less, take the return of premium benefit in cash and convert the policy to an allowablepermanent plan (return of premium benefit can help pay the first premium if desired);4. Exercise the RPU option, using the return of premium cash value to buy a reduced amount of paid-up deathprotection to age 95.1 AG ROP Select-a-Term accumulates a cash value that starts no later than the fifth policy year. At the end of the level term period, the cash value of thein force policy provides an endowment benefit equal to the total of all cumulative premiums paid, less any charges for substandard ratings, riders andany outstanding loan balance. If needs change and your client surrenders the policy, or converts it to our permanent insurance, the client will receivethe cash value that has built up in relation to the age of the policy, minus any outstanding loan balance.2 The cash value benefit received is a tax-free return of basis under current tax law. Please consult a qualified tax advisor with questions.continued on next pageFOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

MAKERSEXAMPLEA male age 32, preferred plus, wants to buy $300,000 of term insurance to his planned retirement at 67. Heopts for AG ROP Select-a-Term at an annual premium of $705 3 because it offers the flexibility of several optionsat retirement. The policy will provide a return of premium benefit of $24,675 if he survives and maintains thepolicy to retirement at age 67.DEATH BENEFITExample: Male, Age 32, Preferred PlusANNUAL PREMIUMYEAR 35 CASHVALUEYEAR 35 RPUAMOUNT$300,000 $705 $24,675 $51,816This plan provides a $300,000 term death benefit to retirement at age 67, protection when the client needs itmost. Furthermore, it provides over $51,000 of guaranteed paid-up coverage to age 95 if the client survivesand maintains the policy for 35 years. Enough to meet final expenses and some other cash needs at death.And, if the client changes his mind at retirement, he can take the return of premium cash benefit in lieu of theongoing final expense coverage or select one of the other options.The bottom line is your client can buy one plan guaranteed to meet two needs — family protection untilretirement with the option for final expense coverage into retirement. If you are not selling both plans youare “short-selling” AG ROP Select-a-Term. Increase your sales by selling the whole package. NOTE: If theRPU option is elected, the clients will NOT receive funds at the end of the level term premium period, ANDthe life insurance coverage will terminate at age 95. In New York, the endowment at the end of the level termperiod is reduced. See policy for details. Client and his/her independent life insurance advisor should carefullyconsider the consequences of electing this option.3 Premium rates current as of March 9, 2009; rates may vary by state. Premiums available for other rate classes, ages and payment plans. Premiumcharges depend on evidence of insurability. Premiums increase at the end of the guaranteed term if policy is renewed. Death benefit remains level.Issued by:American General Life Insurance Company2727-A Allen Parkway, Houston, Texas 77019Policy form numbers 07007, 06001The United States Life Insurance Companyin the City of New York70 Pine Street, New York, New York 10270Policy form numbers 09007N, 08701NThe underwriting risks, financial and contractual obligations and support functions associated with the products issued by American General Life Insurance Company (AGL) or The United States LifeInsurance Company in the City of New York (USL) are the issuing insurer’s responsibility. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states.Guarantees are subject to the claims-paying ability of the issuing insurance company.American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American InternationalGroup, 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. Ifuncertain, contact your American General Life Companies representative for assistance.©2009. All rights reserved.FOR PRODUCER USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Your periodic check-up on everything Accident & HealthNew study reveals 60%of bankruptcies due tomedical bills 1 .■■Most of the families filing bankruptcy were well-educated homeownerswith middle-class occupations.■■More than 75% of them had health insurance.Well-educated, middleclasshomeowners ...Does this describe anyof your clients?Could their financial healthbe at risk if they had anaccident or critical illness?■■92% had medical bills over $5,000 or 10% pretax family income.Protect your clients’ financialfuture from coverage gapsin their major medical plansby supplementing with anaccident and/or critical illnessinsurance plan like AccidentExpense Plus SM with a CriticalIllness Rider option orCriticalCare Plus SM insurance.1 Medical Bankruptcy in the U.S, 2007; Resultsof National Study; American Journal ofMedicine, June 2007For a link to this article andthe CBS news video clip, visithttp://delicious.com/aglctakeyourpulse. We willbe aggregating valuable newsand information on the delicioussite, so be sure to bookmark itand keep coming back.Policies issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019. Accident Expense Plus Policy Form Number 07120, Critical Illness Rider Form Number07121, CriticalCare Plus Policy Form Number 05130, Benefit Extension Rider Form Number 05137, Medical Personnel HIV Rider Form Number 05139, Accidental Death & Dismemberment Rider Form Number05138. Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions apply in every state.Please consult the policy form and outline of coverage for details. There may be a charge for each rider selected. See the rider for details regarding the benefit descriptions, limitations and exclusions.Comprehensive medical coverage may be required in some states in order to apply for or maintain the policy. The underwriting risks, financial and contractual obligations and support functions associatedwith products issued by American General Life Insurance Company (AGL) are its responsibility. AGL does not solicit business in the state of New York. Policies and riders not available in all states.American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group,Inc., including AGL. 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 thatstate. If uncertain, contact your American General Life Companies representative for assistance.©2009 All rights reserved. FOR AGENT USE ONLY — NOT FOR DISSEMINATION TO THE PUBLIC

Success During a Financial CrisisWhen financial crisis happens, it’s not easy. My strategy is to go back to the basics, like when I firststarted in the business. I try to be positive myself. Whenever I talk to people, I hope to touch them withmy up-beat spirit. I hope that I bring the sunshine when people see me.Ever since the financial crisis started, I push myself to make more phone calls, set more appointments,and extend better services. I take initiative to visit people, provide them with current market informationand update their policy status. I offer to analyze their current financial situation, and advise how to turndisadvantage into advantage by spending every penny for the best leverage.I show enthusiasm at all events and go the extra mile to observe and be conscious of people around me;such as this experience at a wedding:A couple sat next to me. I told the young lady that she is a lucky lady to have such a gentleman for aboyfriend. The man responded that they have been married for 15 years. I told the woman that I thoughtshe was just a young lady because she is so fit. She said she had three children already. I asked how oldthey were and was told 12, 7 and 5 years. I said she must have had her first child when she was 18. Shelaughed and said she was 40. Her husband said proudly that some people think he’s the father of four.When I asked his age, he said 45.From the rest of our conversation, I could tell they care about their family. And I got all their censusinformation: ages, health status, type of business and where they live. We exchanged business cards, and Iintroduced myself at the right moment. I asked them if they’d mind if I called on them sometime. What doyou think they said?The following Monday I had my assistant prepare the whole family’s data. I called Mr. Wong and toldhim that I was accompanying a client who was taking the physical exam for insurance in theirneighborhood on Wednesday. Would it be alright if I dropped off some information for them to review aswell? Mr. Wong readily agreed.So, I visited Mr. and Mrs. Wong, introduced my services, the importance of insurance and different typesof insurance. Mr. Wong said he was going out of town again and would contact me when he returns. I toldhim that the nurse happens to be in the neighborhood and that he didn’t have to make a final decisiontoday; as long as he signed the application and made the first month’s deposit with the physical exam, hewould be covered so he could travel with peace of mind. When he returned, the insurance company wouldhave the offer ready, and he could then make the final decision.Since then, the Wong family has not only purchased insurance; they have also set up a trust.Everything is possible – as long as we are willing to listen between the lines, ask sound questions, andmost importantly, take timely action, even if it’s not a big sale. We can accumulate small pieces into bigones. The pyramids were not built in one day.Christine K. Young is a 27-year MDRT member with 21 Top of the Table honors. Young’s two books,Ordinary Individual — Extraordinary Accomplishments and Developing Unlimitation within Limitation,are used as sales guidelines in Asia. Young formerly hosted a weekly TV talk show, “Who’s Who onTV,” to interview celebrities, such as the Dalai Lama and the presidents of the United States and China.Million Dollar Round TablePhone: 847.692.6378 | Fax: 847.518.8921 | Web site: www.mdrt.org

American General Life CompaniesNEW BUSINESSUPDATEOctober 30, 2009Introducing...Automated Requirement E-mails!Bulletin 09-171As mentioned in our October 16, 2009 communication (bulletin 09-160), American General Life Companieswill soon be launching one of our newest service enhancements – Automated Requirement E-mails. This newservice will automatically send e-mails to your agency’s case manager of record to let them know when a statuschanges, requirements are posted or receipted, when new correspondence has been posted and when a followup is needed due to no activity on the case. Listed below are some FAQs to assist you in understanding thefeatures of this exciting new service.Automated Requirement E-mails FAQsQ: What will the automated requirement e-mails contain?A: Automated e-mails will contain both receipted and unreceipted requirements as well as any correspondencethat has been posted on the case (such as amendments or health statements).Q: Who will receive the automated e-mails?A: E-mails will be sent to the case manager whose e-mail information appears on the New Business Transmittalor coversheet that comes in with the application. NOTE: It is very important to include the case manager’scontact e-mail information on the transmittal or other coversheet sent with the application.Q: Who will receive the e-mails if there is no case manager listed on the transmittal or cover sheet?A: The e-mails would then go to the e-mail address on record as shown in the agency’s profile on the eStationWeb site. This may be the agent’s upline or the writing agent.Q: Can the agency choose how often they want to receive automated e-mails?A: Yes. By going to the My Account / eMail Options section of the eStation Web site, you will be able to choosefrom the following e-mail frequency selections (See Examples #1 and #2 on page 3):• Upon Status Change• Once Daily• Once Weekly (On Thursdays)• Twice Weekly (On Mondays and Thursdays)Q: Will the agency be able to choose how many cases are contained in each e-mail?A: Yes. By going to the My Account / eMail Options section of the eStation Web site, you will be able to choosefrom the following number of cases contained in each e-mail (See Examples #1 and #2 on page 3):• 1 case• 5 cases• 10 cases• 25 casesContinued on the next pageAmerican 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., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Q: Are there specific situations that trigger these automated e-mails?A: E-mails are triggered by any of the following case events:• Whenever there is a status change• Whenever New Business correspondence is posted• Whenever new requirements are posted or receipted• Follow up e-mails if a case has been pending or in a conditionally issued status for 14 days since the laste-mail was sentQ: What is the best way to communicate back to the company on outstanding requirements?A: The best and fastest way to communicate requirements or other information on your cases is through Webmessaging. Web messaging provides 2-4 hour turnaround time. Click on the “Link to eStation” link that isunder each policy number in the summary section of the e-mail, or click on the policy number in the detailedsection of the e-mails. You will be taken to the eStation Website where you will be able click on the envelopeicon next to the requirement for which you are sending the message. NOTE: Agents should not reply tothe automated e-mails as this e-mail box is not regularly monitored and this will cause delaysin responding (See Example #3 on page 4).Q: Will the agent have to log into eStation when they link to the site?A: Yes, for the security of clients’ private information, the agents will be required to log into our secure Web site.Q: Will the agency see both life and annuity cases in these e-mails?A: Yes, but life and annuity e-mails will be sent separately.Q: When will these e-mails begin?A: The automated e-mails will begin the week of November 9, 2009. The default for all automated e-mails are:• Frequency: Weekly (every Thursday)• Number of policies per e-mail: 10Q: Can an agency opt out of receiving the automated emails?A: This new service was designed to make it simpler and more efficient for you and your case managers tomonitor and manage your pending business with American General. While we encourage you to take advantageof this new service, you may choose to opt out through the My Account / eMail Options section on the Web site(see Example #2 in the attached page).Don’t miss out on these important e-mails!!!Be sure to include the case manager’s e-mail contact information on theNew Business transmittal or coversheet that is sent in with the application.Thank you for your business!Continued on the next pageAmerican 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., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Example #1E-mail preferences can be set in the My Account / eMail Options section of the eStation Web site.Example #2Your agency will be able to choose how often you want to receive your automated e-mails as well as howmany policy numbers will be contained in each e-mail, by clicking on the radio button next to your preference.Note: If you do not wish to receive any emails, please select “Never” in the Frequency Options.Continued on the next pageAmerican 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., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

Example #3To respond to a case you can link to the eStation Web site using the “Link to eStation” link in the summaryportion of the automated e-mail.You may also get to the case on the eStation Web site by clicking on the policy number in the detailed sectionof the Web site.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., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

American General Life CompaniesCOMPLIANCEUPDATEOctober 28, 2009Submission of Complete and Accurate ApplicationsBulletin 09-172Key among your responsibilities as an American General Life Companies (American General) agent is thesubmission of complete and accurate insurance applications. (Please refer to Compliance bulletin 08-123,Reminder of Company Policy: Completion of Documents and Signatures, dated August 25, 2008.) In fact, eachtime you sign the Part A Application as Writing Agent, you are certifying that the information supplied by thePrimary Proposed Insured(s) and/or Owner was truthfully and accurately recorded on the Part A Applicationform. The Company relies on the information you provide to accurately underwrite each case as well as toprotect itself against fraud.American General agents are required to obtain or verify the application information about the Primary ProposedInsured directly with the Primary Proposed Insured. Similarly, information about the Owner must be obtainedfrom, or verified with, the Owner. If information about the Primary Proposed Insured is obtained from someoneother than that person, it is your duty to meet or speak directly with the Primary Proposed Insured to verify thatthe information recorded on the application form is correct and complete. The same duty and protocol apply toinformation about the Owner that is obtained from someone other than the Owner.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., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC

American General Life CompaniesSOFTWAREUPDATEOctober 30, 2009eConnections Desktop Internet Update toCompany Versions 1.0.0.28, 1.0.0.29 and 1.0.0.30Bulletin 09-173Company versions 1.0.0.28 and 1.0.0.29 include:Interest Rate Changes• UL and IUL interest rate changes effective October 7, 2009Company version 1.0.0.30 includes:Updates• ContinUL Extend Plus SM (Policy Form 05337, 05337N): Addition of “backdating” language• All UL products (Sales Tools): Revised bridge file fo Tapestry• AG VisionAdvantage ® 5, 7 and 9 (Contract Form 06401): Adjustment to column headings• AG VisionMaximizer ® (Contract Form 05490): Adjustment to column headingsInterest Rate Changes• SPIA rate changes effective October 20, 2009American 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., includingAmerican General Life Insurance Company and The United States Life Insurance Company in the City of New York.FOR PRODUCER USE ONLY – NOT FOR DISSEMINATION TO THE PUBLIC